Premier Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Premier Bank & Trust, N.A. of North Canton, OH reported 36 mortgage applications totaling $7.2 million, up 350% from 2009. The average application was for $200,888, and applicants reported an average income of $114,666. 69% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Canton-Massillon, OH (12), Akron, OH (3) and Pittsburgh, PA (3) (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 | 36 |
| Total Mortgage Loan Application Amount | $7,232,000 |
| Average Mortgage Loan Application Amount | $200,888 |
| Highest Mortgage Loan Application Amount | $747,000 |
| Average Applicant Income | $114,666 |
| Highest Applicant Income | $412,000 |
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records Premier Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Stark, Ohio | 12 | $ 3,377,000 | $ 281,416 | $ 128,000 |
| Wayne, Ohio | 12 | $ 1,455,000 | $ 121,250 | $ 69,000 |
| Summit, Ohio | 3 | $ 655,000 | $ 218,333 | $ 40,000 |
| Ashland, Ohio | 2 | $ 262,000 | $ 131,000 | $ 65,000 |
| Beaver, Pennsylvania | 2 | $ 574,000 | $ 287,000 | $ 344,000 |
| Cattaraugus, New York | 1 | $ 112,000 | $ 112,000 | $ 147,000 |
| Erie, Ohio | 1 | $ 141,000 | $ 141,000 | $ 240,000 |
| Jefferson, Ohio | 1 | $ 109,000 | $ 109,000 | $ 73,000 |
| Allegheny, Pennsylvania | 1 | $ 281,000 | $ 281,000 | $ 236,000 |
| Beaufort, South Carolina | 1 | $ 266,000 | $ 266,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Premier Bank & Trust, N.A. in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 20 | $3,440,000 | $172,000 | $428,000 | $112,000 | $412,000 |
| Home Purchase | 16 | $3,792,000 | $237,000 | $747,000 | $118,000 | $344,000 |
| Home Improvement | 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 | 33 | $6,258,000 | $189,000 | $502,000 | $125,000 | $412,000 |
| Not applicable | 3 | $974,000 | $324,000 | $747,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 36 | $7,232,000 | $200,000 | $747,000 | $114,000 | $412,000 |
| 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 | 25 | $5,661,000 | $226,000 | $747,000 | $129,000 | $412,000 |
| Application Denied By Financial Institution | 8 | $1,260,000 | $157,000 | $417,000 | $86,000 | $240,000 |
| Application Withdrawn By Applicant | 2 | $160,000 | $80,000 | $150,000 | $47,000 | $94,000 |
| Application Approved But Not Accepted | 1 | $151,000 | $151,000 | $151,000 | $107,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $950,000 | $190,000 | $417,000 | $126,000 | $240,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $0 | $0 |
| Credit History | 1 | $100,000 | $100,000 | $100,000 | $38,000 | $38,000 |
| Debt-To-Income Ratio | 1 | $150,000 | $150,000 | $150,000 | $20,000 | $20,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank & Trust, N.A.'s 2010 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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