Premier Bank Mortgage Lending & HMDA Data, 2019
In 2019, Premier Bank of Youngstown, OH reported 4,693 mortgage applications totaling $723.9 million, down 8% from 2018. The average application was for $154,252, and applicants reported an average income of $91,792. 73% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Toledo, OH (946), Lima, OH (285) and Fort Wayne, IN (228) (applications in parentheses).
| Mortgage Company & Address | Premier Bank 601 Clinton Street Youngstown, OH 44503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,693 |
| Total Mortgage Loan Application Amount | $723,905,000 |
| Average Mortgage Loan Application Amount | $154,252 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $91,792 |
| Highest Applicant Income | $4,257,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Premier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,569 | $ 325,665,000 | $ 126,767 | $ 87,651 |
| Toledo, OH | 946 | $ 165,660,000 | $ 175,116 | $ 103,000 |
| Lima, OH | 285 | $ 32,965,000 | $ 115,666 | $ 97,000 |
| Fort Wayne, IN | 228 | $ 57,270,000 | $ 251,184 | $ 108,000 |
| Columbus, OH | 131 | $ 66,235,000 | $ 505,610 | $ 197,000 |
| Monroe, MI | 17 | $ 2,635,000 | $ 155,000 | $ 101,000 |
| Ann Arbor, MI | 15 | $ 2,855,000 | $ 190,333 | $ 124,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 11,810,000 | $ 1,181,000 | $ 243,000 |
| Jackson, MI | 9 | $ 1,085,000 | $ 120,555 | $ 74,000 |
| Dayton-Springfield-Kettering, OH | 7 | $ 1,265,000 | $ 180,714 | $ 107,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,540,000 | $ 256,666 | $ 166,000 |
| Cincinnati, OH-KY-IN | 6 | $ 970,000 | $ 161,666 | $ 317,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,515,000 | $ 303,000 | $ 118,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 780,000 | $ 195,000 | $ 119,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,290,000 | $ 322,500 | $ 377,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,110,000 | $ 277,500 | $ 117,000 |
| Chicago-Naperville, IL | 3 | $ 575,000 | $ 191,666 | $ 114,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,305,000 | $ 435,000 | $ 204,666 |
| Bend-Redmond, OR | 2 | $ 610,000 | $ 305,000 | $ 28,000 |
| Bloomington, IN | 2 | $ 1,380,000 | $ 690,000 | $ 583,000 |
| Elkhart-Goshen, IN | 2 | $ 190,000 | $ 95,000 | $ 35,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 530,000 | $ 265,000 | $ 45,000 |
| Kalamazoo-Portage, MI | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Knoxville, TN | 2 | $ 350,000 | $ 175,000 | $ 93,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 520,000 | $ 260,000 | $ 96,000 |
| Mansfield, OH | 2 | $ 130,000 | $ 65,000 | $ 30,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 220,000 | $ 110,000 | $ 37,000 |
| Springfield, OH | 2 | $ 330,000 | $ 165,000 | $ 48,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 1,580,000 | $ 790,000 | $ 47,000 |
| Akron, OH | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 295,000 | $ 295,000 | $ 168,000 |
| Austin-Round Rock, TX | 1 | $ 335,000 | $ 335,000 | $ 167,000 |
| Battle Creek, MI | 1 | $ 115,000 | $ 115,000 | $ 133,000 |
| Cleveland-Elyria, OH | 1 | $ 35,000 | $ 35,000 | $ 160,000 |
| El Paso, TX | 1 | $ 345,000 | $ 345,000 | $ 212,000 |
| Fayetteville, NC | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Gary, IN | 1 | $ 295,000 | $ 295,000 | $ 205,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 375,000 | $ 375,000 | $ 65,000 |
| Homosassa Springs, FL | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Lakeland-Winter Haven, FL | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Lansing-East Lansing, MI | 1 | $ 425,000 | $ 425,000 | $ 229,000 |
| Michigan City-La Porte, IN | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Newark, NJ-PA | 1 | $ 405,000 | $ 405,000 | $ 207,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Port St. Lucie, FL | 1 | $ 485,000 | $ 485,000 | $ 2,400,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| The Villages, FL | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Tuscaloosa, AL | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Premier Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,361 | $399,815,000 | $169,000 | $16,005,000 | $78,000 | $1,176,000 |
| Refinancing | 1,025 | $190,925,000 | $186,000 | $11,815,000 | $113,000 | $4,257,000 |
| Other Purpose | 528 | $34,260,000 | $64,000 | $555,000 | $109,000 | $2,400,000 |
| Cash-out Refinancing | 521 | $78,545,000 | $150,000 | $485,000 | $98,000 | $1,504,000 |
| Home Improvement | 258 | $20,360,000 | $78,000 | $6,505,000 | $86,000 | $328,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,104 | $514,360,000 | $125,000 | $895,000 | $93,000 | $4,257,000 |
| Black or African American | 174 | $16,700,000 | $95,000 | $485,000 | $58,000 | $507,000 |
| Not applicable | 172 | $162,290,000 | $943,000 | $16,005,000 | $0 | $0 |
| Hispanic | 139 | $14,625,000 | $105,000 | $485,000 | $66,000 | $438,000 |
| Not Provided | 56 | $8,830,000 | $157,000 | $675,000 | $93,000 | $708,000 |
| Asian | 34 | $5,190,000 | $152,000 | $415,000 | $143,000 | $1,176,000 |
| American Indian or Alaskan Native | 11 | $1,275,000 | $115,000 | $225,000 | $77,000 | $218,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $610,000 | $305,000 | $485,000 | $642,000 | $642,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,464 | $701,030,000 | $157,000 | $16,005,000 | $94,000 | $4,257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 182 | $17,410,000 | $95,000 | $195,000 | $43,000 | $99,000 |
| FHA-insured (Federal Housing Administration) | 46 | $5,280,000 | $114,000 | $265,000 | $76,000 | $1,176,000 |
| VA-guaranteed (Veterans Administration) | 1 | $185,000 | $185,000 | $185,000 | $156,000 | $156,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,441 | $537,275,000 | $156,000 | $14,555,000 | $100,000 | $4,257,000 |
| Application Denied By Financial Institution | 360 | $37,950,000 | $105,000 | $2,905,000 | $66,000 | $1,176,000 |
| Application Withdrawn By Applicant | 360 | $98,170,000 | $272,000 | $16,005,000 | $103,000 | $2,400,000 |
| Preapproval Denied by Financial Institution | 281 | $24,485,000 | $87,000 | $205,000 | $36,000 | $104,000 |
| Preapproval Approved but not Accepted | 115 | $11,085,000 | $96,000 | $195,000 | $37,000 | $80,000 |
| Application Approved But Not Accepted | 77 | $7,755,000 | $100,000 | $405,000 | $101,000 | $718,000 |
| File Closed For Incompleteness | 59 | $7,185,000 | $121,000 | $445,000 | $78,000 | $295,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 4,052 | $661,470,000 | $163,000 | $16,005,000 | $98,000 | $4,257,000 |
| Credit History | 340 | $28,190,000 | $82,000 | $415,000 | $48,000 | $720,000 |
| Debt-To-Income Ratio | 195 | $19,545,000 | $100,000 | $485,000 | $42,000 | $552,000 |
| Collateral | 58 | $6,060,000 | $104,000 | $405,000 | $87,000 | $360,000 |
| Other | 32 | $7,090,000 | $221,000 | $2,905,000 | $126,000 | $1,176,000 |
| Employment History | 8 | $640,000 | $80,000 | $105,000 | $25,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $480,000 | $120,000 | $195,000 | $67,000 | $89,000 |
| Unverifiable Information | 4 | $430,000 | $107,000 | $195,000 | $45,000 | $129,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Premier Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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