# Premier Bank

> **Canonical URL:** https://saferate.com/lenders/premier-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Premier Bank is a bank, headquartered in Youngstown, OH, serving borrowers across 9 states, with 1,296 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LNUJ0IPK43UX33
- **Headquarters:** Youngstown, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** FL, IN, KY, MI, NC, OH, PA, SC, WV
- **Markets (MSAs):** 16
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.378%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,093
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,296
- **Dollar Volume:** $310 million
- **Applications Received:** 1,660
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $239,136
- **Average Borrower Income:** $117,596
- **Average Property Value:** $315,185

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 1,230 | +0.379% | $1,090 | Strong 😀 |
| FHA | 58/100 | 50 | +0.506% | $1,197 | Sound ☺️ |
| VA | 37/100 | 10 | -0.189% | $752 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,076 loans, Score: 74/100 (Strong)
- Refinance: 154 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 47 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 1,138 | $284M | +0.358% | Strong 😀 |
| Refinance | 67/100 | 158 | $25M | +0.488% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 1,037 | 0.77% | 86/100 |
| MI | 132 | 0.12% | 64/100 |
| PA | 67 | 0.06% | 56/100 |
| IN | 35 | 0.04% | 49/100 |
| WV | 11 | 0.07% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 481 | 73/100 |
| Toledo, OH | OH | 161 | 85/100 |
| Cleveland, OH | OH | 138 | 72/100 |
| Youngstown | OH | 114 | 77/100 |
| Pittsburgh, PA | PA | 59 | 63/100 |
| Akron, OH | OH | 57 | 67/100 |
| Ann Arbor, MI | MI | 47 | 71/100 |
| Columbus, OH | OH | 46 | 58/100 |
| Canton | OH | 27 | 56/100 |
| Lima, OH | OH | 27 | 60/100 |
| Fort Wayne, IN | IN | 22 | 50/100 |
| Monroe, MI | MI | 20 | 55/100 |
| Sandusky, OH | OH | 16 | 49/100 |
| Warren | MI | 13 | 42/100 |
| Detroit | MI | 10 | 40/100 |

## Where This Lender Ranks

Premier Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Toledo, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Youngstown Banks
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/banks)
- 🏆 **#5** in Youngstown for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Monroe, MI Banks
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/banks)
- 🏆 **#6** in Lima, OH Banks
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks)
- 🏆 **#7** in Toledo, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Lima, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Toledo, OH Banks
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks)
- 🏆 **#8** in Youngstown
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders)
- 🏆 **#8** in Jackson, MI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-mi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Lima, OH
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders)
- 🏆 **#9** in Monroe, MI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Sandusky, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Youngstown for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Ann Arbor, MI Banks
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/banks)
- 🏆 **#11** in Toledo, OH
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders)
- 🏆 **#11** in Toledo, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Akron, OH Banks
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/banks)
- 🏆 **#11** in Ann Arbor, MI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Canton Banks
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Premier Bank offer?

Premier Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Premier Bank offer mortgages?

Premier Bank offers mortgages in 9 states: FL, IN, KY, MI, NC, OH, PA, SC, WV.

### How competitive are Premier Bank's mortgage rates?

Premier Bank has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.378% above market average.

### What type of lender is Premier Bank?

Premier Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Youngstown, OH.

### What is Premier Bank's loan approval success rate?

Premier Bank has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/premier-bank

### How to Cite

> "Premier Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/premier-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/premier-bank)**