PREMIER BANK
YOUNGSTOWN, OH
PREMIER BANK processed 4,031 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,769 loans with a 22.4% denial rate. Home Purchase was the primary loan purpose. Based in YOUNGSTOWN, OH. The approval rate of 68.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. PREMIER BANK processed 4,031 HMDA-reported mortgage applications in 2024, originating 2,769 loans and denying 905 for a denial rate of 22.4% (applicants themselves withdrew 315 files before a decision). The average loan amount was $178,252 at a 7.585% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300LNUJ0IPK43UX33 from YOUNGSTOWN, OH.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. PREMIER BANK's 68.7% origination rate tells you how often an application turned into funded money; the 22.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (3,927 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 3,927 | 2,704 | 878 | $177,559 |
| FHA | 84 | 52 | 22 | $186,310 |
| VA | 14 | 10 | 3 | $317,857 |
| USDA | 6 | 3 | 2 | $193,333 |
Top loan types — PREMIER BANK
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for PREMIER BANK (LEI: 549300LNUJ0IPK43UX33) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 1,662 | 1,313 | $299,807 |
| Home Improvement | 1,310 | 790 | $74,527 |
| Refinancing | 724 | 503 | $125,663 |
| Other | 232 | 107 | $62,543 |
| Cash-out Refinancing | 103 | 56 | $166,359 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 3,535 | 69.7% | 21.9% |
| Black or African American | 175 | 60.0% | 29.7% |
| Joint | 46 | 60.9% | 34.8% |
| Asian | 37 | 81.1% | 8.1% |
| American Indian or Alaska Native | 11 | 27.3% | 45.5% |
| 2 or more minority races | 4 | 75.0% | 25.0% |
| Native Hawaiian or Other Pacific Islander | 2 | 100.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 3,486 | 69.8% | 22.1% |
| Hispanic or Latino | 172 | 61.0% | 29.1% |
| Joint | 62 | 72.6% | 21.0% |
Nearby Lenders in OH
Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.
US BANK, N.A.
CINCINNATI, OH
CROSSCOUNTRY MORTGAGE, LLC
Cleveland, OH
JPMorgan Chase Bank, NA
Columbus, OH
Huntington National Bank
Columbus, OH
Fifth Third Bank, National Association
Cincinnati, OH
Mortgage Lending Guides
Frequently Asked Questions
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How does PREMIER BANK compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.