Looking for a different lender?
P
Premier Bank
Bank|Youngstown, OH|Multi-Region
Loans Originated
1,296
Applications
1,660
Volume
$309 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.378%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,093
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
Premier Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 16 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$239,136
Average Borrower Income
$117,596
Average Property Value
$315,185
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,230 | 94.9% | +0.379% | $1,090 |
FHA Loans | Sound | Sound | Strong | Sound | 50 | 3.9% | +0.506% | $1,197 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 10 | 0.8% | -0.189% | $752 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 1,138 | 87.8% | +0.358% | $1,132 |
Refinance | Sound | Strong | Acceptable | Strong | 158 | 12.2% | +0.488% | $876 |
Geographic Coverage
Metro Areas
15
States Served
9
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
FLINKYMINCOHPASCWV
Top Metro Areas by Place Specialization Score
1
Toledo, OH, OHMSA
Volume: 161Mix: 12.42%
Place Specialization
Exceptional
2
Youngstown, OHMSA
Volume: 114Mix: 8.80%
Place Specialization
Strong
3
Cleveland, OH, OHMSA
Volume: 138Mix: 10.65%
Place Specialization
Strong
4
Ann Arbor, MI, MIMSA
Volume: 47Mix: 3.63%
Place Specialization
Strong
5
Akron, OH, OHMSA
Volume: 57Mix: 4.40%
Place Specialization
Strong
6
Pittsburgh, PA, PAMSA
Volume: 59Mix: 4.55%
Place Specialization
Strong
7
Lima, OH, OHMSA
Volume: 27Mix: 2.08%
Place Specialization
Sound
8
Columbus, OH, OHMSA
Volume: 46Mix: 3.55%
Place Specialization
Sound
9
Canton, OHMSA
Volume: 27Mix: 2.08%
Place Specialization
Sound
10
Monroe, MI, MIMSA
Volume: 20Mix: 1.54%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 1,037Mix: 80.02%
Place Specialization
Exceptional
2
MIState
Volume: 132Mix: 10.19%
Place Specialization
Strong
3
PAState
Volume: 67Mix: 5.17%
Place Specialization
Sound
4
INState
Volume: 35Mix: 2.70%
Place Specialization
Sound
5
WVState
Volume: 11Mix: 0.85%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare Premier Bank with other lenders or get personalized recommendations.