Premier Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2012
In 2012, Premier Bank & Trust, N.A. of North Canton, OH reported 114 mortgage applications totaling $21.5 million, up 28% from 2011. The average application was for $188,885, and applicants reported an average income of $104,184. 85% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Canton-Massillon, OH (62), Akron, OH (15) and Wheeling, WV-OH (13) (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 | 114 |
| Total Mortgage Loan Application Amount | $21,533,000 |
| Average Mortgage Loan Application Amount | $188,885 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $104,184 |
| Highest Applicant Income | $1,153,000 |
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records Premier Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Canton-Massillon, OH | 62 | $ 12,283,000 | $ 198,112 | $ 112,000 |
| Akron, OH | 15 | $ 4,561,000 | $ 304,066 | $ 131,000 |
| Wheeling, WV-OH | 13 | $ 1,273,000 | $ 97,923 | $ 58,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 1,791,000 | $ 298,500 | $ 158,000 |
| Steubenville-Weirton, OH-WV | 4 | $ 268,000 | $ 67,000 | $ 37,000 |
| Columbus, OH | 2 | $ 114,000 | $ 57,000 | $ 78,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 170,000 | $ 170,000 | $ 108,000 |
| Pittsburgh, PA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Toledo, OH | 1 | $ 150,000 | $ 150,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Premier Bank & Trust, N.A. in 2012
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 | 75 | $13,016,000 | $173,000 | $804,000 | $119,000 | $1,153,000 |
| Refinancing | 36 | $7,947,000 | $220,000 | $1,500,000 | $82,000 | $512,000 |
| Home Improvement | 3 | $570,000 | $190,000 | $368,000 | $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 | 102 | $19,412,000 | $190,000 | $1,500,000 | $115,000 | $1,153,000 |
| Not applicable | 9 | $1,781,000 | $197,000 | $650,000 | $0 | $0 |
| Black or African American | 2 | $166,000 | $83,000 | $140,000 | $0 | $0 |
| Hispanic | 1 | $174,000 | $174,000 | $174,000 | $72,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 114 | $21,533,000 | $188,000 | $1,500,000 | $104,000 | $1,153,000 |
| 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 | 97 | $18,604,000 | $191,000 | $1,500,000 | $102,000 | $1,153,000 |
| Application Denied By Financial Institution | 9 | $1,170,000 | $130,000 | $342,000 | $108,000 | $226,000 |
| Application Withdrawn By Applicant | 6 | $1,192,000 | $198,000 | $396,000 | $117,000 | $226,000 |
| Application Approved But Not Accepted | 2 | $567,000 | $283,000 | $417,000 | $132,000 | $143,000 |
| 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 | 6 | $969,000 | $161,000 | $342,000 | $141,000 | $226,000 |
| Credit History | 3 | $201,000 | $67,000 | $92,000 | $43,000 | $52,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 2012 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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