Premier Bank mortgage approval rate & lending review
Premier Bank decided 4,159 mortgage applications and funded 3,266 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Premier Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Premier Bank at a glance
Approval is 1.8 points above the 77.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 1,844 / 2,020 | 99% | $185K | 1,830 |
| Home improvement loans | 65% | 798 / 1,234 | 97% | $55K | 776 |
| Cash-out refinance | 61% | 43 / 70 | 100% | $135K | 43 |
| Refinance | 75% | 503 / 667 | 98% | $65K | 492 |
| Investment property purchase | 86% | 107 / 124 | 99% | $125K | 106 |
Premier Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 78% | $175K | 3,386 | 2,590 |
| Michigan | 92% | $305K | 304 | 280 |
| Pennsylvania | 85% | $355K | 208 | 177 |
| Indiana | 82% | $145K | 112 | 90 |
| West Virginia | 91% | $235K | 89 | 79 |
| Florida | 90% | $455K | 21 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Premier Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mahoning County, OH | Home improvement loans | 62% | 381 | 230 |
| Cuyahoga County, OH | Mortgage lenders | 92% | 246 | 225 |
| Lucas County, OH | Mortgage lenders | 92% | 225 | 206 |
| Mahoning County, OH | Refinance | 75% | 243 | 180 |
| Mahoning County, OH | Mortgage lenders | 89% | 192 | 168 |
| Columbiana County, OH | Home improvement loans | 65% | 175 | 111 |
| Washtenaw County, MI | Mortgage lenders | 99% | 107 | 106 |
| Summit County, OH | Mortgage lenders | 91% | 111 | 101 |
| Columbiana County, OH | Refinance | 82% | 113 | 92 |
| Lorain County, OH | Mortgage lenders | 87% | 93 | 77 |
| Wood County, OH | Mortgage lenders | 95% | 79 | 74 |
| Wood County, OH | Home improvement loans | 68% | 106 | 70 |
The county markets where Premier Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Premier Bank
What is Premier Bank's mortgage approval rate?
Premier Bank approved 79.7% of the 4,159 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.8 points above the 77.8% national rate for the same mix of loan types.
How often do borrowers take the loan Premier Bank offers?
Borrowers accepted 99% of the loans Premier Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Premier Bank make?
The typical home purchase mortgage loan Premier Bank made was $185K; across all loan types its typical loan ran from $55K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Premier Bank lend?
Premier Bank decided applications in 15 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Pennsylvania.
Can I apply to Premier Bank directly?
Yes. Premier Bank is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Premier Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Premier Bank treats applications, then get a rate quote from the lender.