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Premier Bank

Bank•Youngstown, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Premier Bank — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 15 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Premier Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+37.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,230
Mix94.9%
Spread
+0.379%Above
Fees
$1,090Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume50
Mix3.9%
Spread
+0.506%Above
Fees
$1,197Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume10
Mix0.8%
Spread
-0.189%Below
Fees
$752Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,138
Mix87.8%
Spread
+0.358%Above
Fees
$1,132Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume158
Mix12.2%
Spread
+0.488%Above
Fees
$876Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,296
Applications
1,660
Volume
$309 million
Pricing & Closing
Avg Rate Spread
+0.378%
vs. market APOR
Avg Net Fees
$1,093
Origination − Credits
Pullthrough Rate
78.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$239,136
Avg Borrower Income
$117,596
Avg Property Value
$315,185

Geographic Coverage

Geographic Performance

Metro Areas
15
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest3
INMIOH
South5
FLKYNCSCWV

Top Metro Areas by Place Specialization Score

1© Chris Rycroft from Madison, Wisconsin, United States · CC BY 2.0
Toledo, OHMetro
Volume 161Mix 12.42% of portfolio
85/100
Exceptional
2© Dblcut3 · CC BY-SA 4.0
Youngstown, OHMetro
Volume 114Mix 8.80% of portfolio
77/100
Strong
3© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 138Mix 10.65% of portfolio
72/100
Strong
4© w_lemay · CC BY-SA 2.0
Ann Arbor, MIMetro
Volume 47Mix 3.63% of portfolio
71/100
Strong
5© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 57Mix 4.40% of portfolio
67/100
Strong
6© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 59Mix 4.55% of portfolio
63/100
Strong
7© Nyttend · Public domain
Lima, OHMetro
Volume 27Mix 2.08% of portfolio
60/100
Sound
8© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 46Mix 3.55% of portfolio
58/100
Sound
9© WeaponizingArchitecture · CC BY-SA 4.0
Canton, OHMetro
Volume 27Mix 2.08% of portfolio
56/100
Sound
10© formulanone · CC BY-SA 2.0
Monroe, MIMetro
Volume 20Mix 1.54% of portfolio
55/100
Sound
Showing 10 of 15 metro areas

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 1,037Mix 80.02% of portfolio
86/100
Exceptional
Michigan
Michigan
2
MichiganState
Volume 132Mix 10.19% of portfolio
64/100
Strong
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 67Mix 5.17% of portfolio
56/100
Sound
Indiana
Indiana
4
IndianaState
Volume 35Mix 2.70% of portfolio
49/100
Sound
West Virginia
West Virginia
5
West VirginiaState
Volume 11Mix 0.85% of portfolio
41/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.