Premier Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2013
In 2013, Premier Bank & Trust, N.A. of North Canton, OH reported 173 mortgage applications totaling $32.0 million, up 52% from 2012. The average application was for $184,942, and applicants reported an average income of $117,832. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Canton-Massillon, OH (84), Akron, OH (40) and Wheeling, WV-OH (21) (applications in parentheses).
| Mortgage Company & Address | Premier Bank & Trust, N.A. 600 South Main Street North Canton, OH 44720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 173 |
| Total Mortgage Loan Application Amount | $31,995,000 |
| Average Mortgage Loan Application Amount | $184,942 |
| Highest Mortgage Loan Application Amount | $957,000 |
| Average Applicant Income | $117,832 |
| Highest Applicant Income | $875,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Premier Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Premier Bank & Trust, N.A. in 2013
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 | 121 | $22,026,000 | $182,000 | $808,000 | $112,000 | $612,000 |
| Refinancing | 51 | $9,939,000 | $194,000 | $957,000 | $133,000 | $875,000 |
| Home Improvement | 1 | $30,000 | $30,000 | $30,000 | $50,000 | $50,000 |
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 | 162 | $29,519,000 | $182,000 | $957,000 | $123,000 | $875,000 |
| Not applicable | 5 | $1,512,000 | $302,000 | $645,000 | $0 | $0 |
| Asian | 4 | $784,000 | $196,000 | $409,000 | $93,000 | $148,000 |
| Black or African American | 1 | $100,000 | $100,000 | $100,000 | $28,000 | $28,000 |
| Not Provided | 1 | $80,000 | $80,000 | $80,000 | $83,000 | $83,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 173 | $31,995,000 | $184,000 | $957,000 | $118,000 | $875,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 137 | $24,556,000 | $179,000 | $808,000 | $117,000 | $875,000 |
| Application Withdrawn By Applicant | 21 | $4,045,000 | $192,000 | $409,000 | $127,000 | $339,000 |
| Application Denied By Financial Institution | 13 | $2,992,000 | $230,000 | $957,000 | $120,000 | $501,000 |
| Application Approved But Not Accepted | 2 | $402,000 | $201,000 | $264,000 | $73,000 | $93,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $1,010,000 | $202,000 | $322,000 | $43,000 | $79,000 |
| Collateral | 4 | $1,624,000 | $406,000 | $957,000 | $288,000 | $501,000 |
| Credit History | 3 | $258,000 | $86,000 | $104,000 | $54,000 | $83,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank & Trust, N.A.'s 2013 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 & Trust, N.A.'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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