Premier Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2011
In 2011, Premier Bank & Trust, N.A. of North Canton, OH reported 89 mortgage applications totaling $13.9 million, up 147% from 2010. The average application was for $156,146, and applicants reported an average income of $124,674. 78% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Canton-Massillon, OH (54), Steubenville-Weirton, OH-WV (6) and Akron, OH (5) (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 | 89 |
| Total Mortgage Loan Application Amount | $13,897,000 |
| Average Mortgage Loan Application Amount | $156,146 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $124,674 |
| Highest Applicant Income | $709,000 |
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records Premier Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 47 | $7,540,000 | $160,000 | $519,000 | $114,000 | $460,000 |
| Home Purchase | 38 | $6,304,000 | $165,000 | $1,400,000 | $147,000 | $709,000 |
| Home Improvement | 4 | $53,000 | $13,000 | $17,000 | $38,000 | $71,000 |
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 | 85 | $13,364,000 | $157,000 | $1,400,000 | $130,000 | $709,000 |
| Not applicable | 3 | $518,000 | $172,000 | $365,000 | $0 | $0 |
| Black or African American | 1 | $15,000 | $15,000 | $15,000 | $59,000 | $59,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 88 | $13,798,000 | $156,000 | $1,400,000 | $126,000 | $709,000 |
| FHA-insured (Federal Housing Administration) | 1 | $99,000 | $99,000 | $99,000 | $35,000 | $35,000 |
| 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 | 69 | $10,722,000 | $155,000 | $1,400,000 | $130,000 | $709,000 |
| Application Denied By Financial Institution | 15 | $2,582,000 | $172,000 | $365,000 | $75,000 | $243,000 |
| Application Withdrawn By Applicant | 3 | $384,000 | $128,000 | $169,000 | $283,000 | $709,000 |
| Application Approved But Not Accepted | 2 | $209,000 | $104,000 | $192,000 | $95,000 | $120,000 |
| 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 | 7 | $924,000 | $132,000 | $195,000 | $82,000 | $243,000 |
| Debt-To-Income Ratio | 5 | $1,262,000 | $252,000 | $365,000 | $58,000 | $130,000 |
| Credit History | 2 | $284,000 | $142,000 | $159,000 | $63,000 | $76,000 |
| Mortgage Insurance Denied | 1 | $112,000 | $112,000 | $112,000 | $135,000 | $135,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank & Trust, N.A.'s 2011 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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