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Premier Bank in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI 549300LNUJ0IPK43UX33
Reporting agency Office of the Comptroller of the Currency
State Ohio

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Premier Bank's 2024 HMDA record for Ohio covers 3,412 applications, 2,326 of them originated, worth $379m.

Its denial rate in the state was 24.9%, close to the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 24.4%.

The median rate spread on its Ohio originations was 0.6 percentage points (state median 0.5).

Applications in the state were down 7% on 2023.

3,412applications in OH, 202484.6% of the lender's total
2,326loans originated$379m
24.9%denial rateOH all lenders 23.5%
0.6 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersPremier Bank, all statesUnited States
Denial rate24.9%23.5%24.4%24.3%
Median rate spread, pp0.60.50.60.3
Originations with spread of 1.5 pp or more8.9%17.7%8.8%15.6%
Average originated loan$163k$218k$193k$329k
Home purchase share44.9%51.7%47.4%57.0%
FHA-insured share1.9%12.3%1.9%13.4%
VA-guaranteed share0.2%5.9%0.4%7.9%

Trend by year

ApplicationsOriginations

02927.55,8552022: 5,855 Applications2023: 3,683 Applications2024: 3,412 Applications2022: 4,429 Originations2023: 2,601 Originations2024: 2,326 Originations202220232024
Premier Bank in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%12.4%24.9%2022: 15.7% This lender in state2023: 21.2% This lender in state2024: 24.9% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 45% (1,045)Home improvement 30% (703)Refinancing 19% (447)Cash-out refinancing 2% (45)Other purpose 4% (86)

By type

Conventional 98% (2,274)FHA 2% (45)VA 0% (5)USDA 0% (2)

Denial reasons as coded

Credit history50.1%
Debt-to-income ratio27.6%
Collateral9.5%
Other8.7%
Credit application incomplete3.1%
Employment history0.6%
Unverifiable information0.4%
Insufficient cash (downpayment, closing costs)0.1%
Mortgage insurance denied0%

Share of 783 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Mahoning County482301$40m32.7%
Hancock County223180$48m14.3%
Williams County230168$17m20.1%
Lucas County210150$24m21.6%
Columbiana County196135$12m28.0%
Defiance County172117$13m24.2%
Cuyahoga County146105$29m16.7%
Wood County153104$17m24.5%
Marion County12795$12m19.5%
Henry County11077$7.1m22.0%
Trumbull County10269$6.6m29.6%
Fulton County9868$9.2m23.7%
Summit County8063$15m14.9%
Huron County8462$7.0m22.5%
Allen County10457$7.2m34.4%
Wyandot County7852$4.7m24.6%
Stark County7240$12m34.4%
Seneca County6340$4.4m25.5%
Putnam County5538$5.1m17.4%
Portage County6137$7.6m32.1%
Lorain County5837$8.5m27.5%
Paulding County5436$2.8m26.5%
Erie County3825$5.2m31.6%
Lake County3423$4.1m28.1%
Franklin County3322$10.0m18.5%
Sandusky County3620$2.2m33.3%
Ottawa County3520$2.5m36.4%
Van Wert County2811$1.0m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Premier Bank originate in Ohio in 2024?

2,326 loans totalling $379m, from 3,412 applications reported for properties in Ohio.

What is Premier Bank's denial rate in Ohio?

24.9% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 24.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Ohio counties does Premier Bank lend in most?

By originations: Mahoning County (301), Hancock County (180), Williams County (168), Lucas County (150), Columbiana County (135).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.