Premier Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2003
In 2003, Premier Bank & Trust, N.A. of North Canton, OH reported 210 mortgage applications totaling $25.6 million. The average application was for $121,966, and applicants reported an average income of $66,690. 87% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Canton-Massillon, OH (47), Akron, OH (5) and Cleveland-Lorain-Elyria, OH (1) (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 | 210 |
| Total Mortgage Loan Application Amount | $25,613,000 |
| Average Mortgage Loan Application Amount | $121,966 |
| Highest Mortgage Loan Application Amount | $1,025,000 |
| Average Applicant Income | $66,690 |
| Highest Applicant Income | $960,000 |
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records Premier Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 (home purchase or home improvement, one-to-four family) | 118 | $13,290,000 | $146,500 | $400,000 | $52,500 | $960,000 |
| Home Purchase (one-to-four family) | 79 | $9,784,000 | $123,000 | $677,000 | $91,000 | $608,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $2,179,000 | $311,000 | $1,025,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 6 | $360,000 | $60,000 | $281,000 | $56,000 | $170,000 |
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 | 185 | $21,802,000 | $149,500 | $480,000 | $62,500 | $960,000 |
| Not applicable | 23 | $3,641,000 | $158,000 | $1,025,000 | $0 | $0 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $15,000 | $15,000 |
| Information not provided by applicant in mail or telephone application | 1 | $90,000 | $90,000 | $90,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 210 | $25,613,000 | $151,500 | $1,025,000 | $56,000 | $960,000 |
| 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 | 183 | $21,497,000 | $149,000 | $677,000 | $63,000 | $960,000 |
| Application Denied By Financial Institution | 14 | $2,749,000 | $196,000 | $1,025,000 | $44,000 | $99,000 |
| Application Withdrawn By Applicant | 11 | $1,188,000 | $108,000 | $196,000 | $52,000 | $111,000 |
| File Closed For Incompleteness | 1 | $51,000 | $51,000 | $51,000 | $19,000 | $19,000 |
| Application Approved But Not Accepted | 1 | $128,000 | $128,000 | $128,000 | $20,000 | $20,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $824,000 | $103,000 | $200,000 | $48,000 | $99,000 |
| Debt-To-Income Ratio | 3 | $735,000 | $245,000 | $480,000 | $41,000 | $83,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $46,000 | $46,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $76,000 | $76,000 |
| Other | 1 | $1,025,000 | $1,025,000 | $1,025,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank & Trust, N.A.'s 2003 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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