Park National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Park National Bank 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Park National Bank 801 N Clark Chicago, IL 60610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,801 |
| Total Mortgage Loan Application Amount | $583,519,000 |
| Average Mortgage Loan Application Amount | $273,666 |
| Highest Mortgage Loan Application Amount | $65,801,000 |
| Average Applicant Income | $67,333 |
| Highest Applicant Income | $4,643,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Park National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Park National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Park National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Park National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Park National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Park National Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 731 | $ 142,321,000 | $ 194,000 | $ 77,000 |
| Will County Illinois | 150 | $ 30,148,000 | $ 200,000 | $ 94,000 |
| DuPage County Illinois | 119 | $ 28,760,000 | $ 241,000 | $ 112,000 |
| Kane County Illinois | 91 | $ 17,123,000 | $ 188,000 | $ 88,000 |
| Los Angeles County California | 55 | $ 28,009,000 | $ 509,000 | $ 0 |
| Lake County Indiana | 45 | $ 5,558,000 | $ 123,000 | $ 42,000 |
| Kings County New York | 37 | $ 16,677,000 | $ 450,000 | $ 0 |
| Kendall County Illinois | 22 | $ 4,322,000 | $ 196,000 | $ 73,000 |
| Providence County Rhode Island | 22 | $ 8,159,000 | $ 370,000 | $ 0 |
| McHenry County Illinois | 19 | $ 5,519,000 | $ 290,000 | $ 100,000 |
| San Diego County California | 13 | $ 6,402,000 | $ 492,000 | $ 0 |
| Lake County Illinois | 12 | $ 4,304,000 | $ 358,000 | $ 63,000 |
| Hudson County New Jersey | 11 | $ 3,751,000 | $ 341,000 | $ 0 |
| Queens County New York | 11 | $ 5,827,000 | $ 529,000 | $ 0 |
| Alameda County California | 10 | $ 6,671,000 | $ 667,000 | $ 0 |
| Bristol County Massachusetts | 7 | $ 1,484,000 | $ 212,000 | $ 0 |
| Essex County Massachusetts | 7 | $ 2,032,000 | $ 290,000 | $ 0 |
| Philadelphia County Pennsylvania | 7 | $ 1,457,000 | $ 208,000 | $ 0 |
| Miami-Dade County Florida | 6 | $ 2,872,000 | $ 478,000 | $ 0 |
| Clark County Nevada | 6 | $ 3,868,000 | $ 644,000 | $ 207,000 |
| Fresno County California | 5 | $ 1,959,000 | $ 391,000 | $ 0 |
| Hartford County Connecticut | 5 | $ 1,132,000 | $ 226,000 | $ 0 |
| Middlesex County Connecticut | 5 | $ 3,182,000 | $ 636,000 | $ 0 |
| New Haven County Connecticut | 5 | $ 1,407,000 | $ 281,000 | $ 0 |
| DeKalb County Illinois | 5 | $ 2,736,000 | $ 547,000 | $ 72,000 |
| Worcester County Massachusetts | 5 | $ 1,473,000 | $ 294,000 | $ 0 |
| New York County New York | 5 | $ 5,582,000 | $ 1,116,000 | $ 0 |
| Westchester County New York | 5 | $ 2,879,000 | $ 575,000 | $ 0 |
| District of Columbia County District Of Columbia | 4 | $ 2,088,000 | $ 522,000 | $ 0 |
| Essex County New Jersey | 4 | $ 2,030,000 | $ 507,000 | $ 0 |
| Cuyahoga County Ohio | 4 | $ 1,986,000 | $ 496,000 | $ 0 |
| Harris County Texas | 4 | $ 1,564,000 | $ 391,000 | $ 0 |
| Hidalgo County Texas | 4 | $ 3,275,000 | $ 818,000 | $ 0 |
| Sacramento County California | 3 | $ 1,126,000 | $ 375,000 | $ 0 |
| San Bernardino County California | 3 | $ 945,000 | $ 315,000 | $ 0 |
| San Francisco County California | 3 | $ 1,837,000 | $ 612,000 | $ 0 |
| Fairfield County Connecticut | 3 | $ 1,719,000 | $ 573,000 | $ 0 |
| Lake County Florida | 3 | $ 2,108,000 | $ 702,000 | $ 100,000 |
| Polk County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 0 |
| Boone County Illinois | 3 | $ 3,083,000 | $ 1,027,000 | $ 41,000 |
| Grundy County Illinois | 3 | $ 333,000 | $ 111,000 | $ 85,000 |
| Kankakee County Illinois | 3 | $ 340,000 | $ 113,000 | $ 69,000 |
| Vermilion County Illinois | 3 | $ 275,000 | $ 91,000 | $ 104,000 |
| Porter County Indiana | 3 | $ 407,000 | $ 135,000 | $ 73,000 |
| York County Maine | 3 | $ 1,008,000 | $ 336,000 | $ 0 |
| Baltimore City County Maryland | 3 | $ 611,000 | $ 203,000 | $ 0 |
| Grafton County New Hampshire | 3 | $ 581,000 | $ 193,000 | $ 0 |
| Hillsborough County New Hampshire | 3 | $ 1,386,000 | $ 462,000 | $ 0 |
| Albany County New York | 3 | $ 379,000 | $ 126,000 | $ 0 |
| Bronx County New York | 3 | $ 1,335,000 | $ 445,000 | $ 0 |
| Broome County New York | 3 | $ 309,000 | $ 103,000 | $ 0 |
| Onondaga County New York | 3 | $ 3,769,000 | $ 1,256,000 | $ 0 |
| Mecklenburg County North Carolina | 3 | $ 858,000 | $ 286,000 | $ 0 |
| Hamilton County Ohio | 3 | $ 1,153,000 | $ 384,000 | $ 0 |
| Multnomah County Oregon | 3 | $ 1,761,000 | $ 587,000 | $ 0 |
| Berks County Pennsylvania | 3 | $ 461,000 | $ 153,000 | $ 0 |
| Dallas County Texas | 3 | $ 1,631,000 | $ 543,000 | $ 0 |
| Vilas County Wisconsin | 3 | $ 830,000 | $ 276,000 | $ 191,000 |
| Jefferson County Alabama | 2 | $ 478,000 | $ 239,000 | $ 0 |
| Imperial County California | 2 | $ 1,016,000 | $ 508,000 | $ 0 |
| Kern County California | 2 | $ 852,000 | $ 426,000 | $ 0 |
| Orange County California | 2 | $ 2,392,000 | $ 1,196,000 | $ 0 |
| Collier County Florida | 2 | $ 557,000 | $ 278,000 | $ 217,000 |
| Lee County Florida | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| Palm Beach County Florida | 2 | $ 1,461,000 | $ 730,000 | $ 0 |
| Volusia County Florida | 2 | $ 3,425,000 | $ 1,712,000 | $ 0 |
| LaSalle County Illinois | 2 | $ 575,000 | $ 287,000 | $ 230,000 |
| McLean County Illinois | 2 | $ 353,000 | $ 176,000 | $ 144,000 |
| Cumberland County Maine | 2 | $ 2,785,000 | $ 1,392,000 | $ 0 |
| Berkshire County Massachusetts | 2 | $ 897,000 | $ 448,000 | $ 0 |
| Hampden County Massachusetts | 2 | $ 618,000 | $ 309,000 | $ 0 |
| Middlesex County Massachusetts | 2 | $ 708,000 | $ 354,000 | $ 0 |
| Plymouth County Massachusetts | 2 | $ 464,000 | $ 232,000 | $ 0 |
| Suffolk County Massachusetts | 2 | $ 686,000 | $ 343,000 | $ 0 |
| Berrien County Michigan | 2 | $ 387,000 | $ 193,000 | $ 117,000 |
| Wayne County Michigan | 2 | $ 915,000 | $ 457,000 | $ 0 |
| Jackson County Missouri | 2 | $ 1,067,000 | $ 533,000 | $ 0 |
| Bergen County New Jersey | 2 | $ 703,000 | $ 351,000 | $ 39,000 |
| Erie County New York | 2 | $ 203,000 | $ 101,000 | $ 0 |
| Ulster County New York | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Cumberland County North Carolina | 2 | $ 22,518,000 | $ 11,259,000 | $ 0 |
| Oklahoma County Oklahoma | 2 | $ 1,754,000 | $ 877,000 | $ 0 |
| Marion County Oregon | 2 | $ 507,000 | $ 253,000 | $ 0 |
| Allegheny County Pennsylvania | 2 | $ 331,000 | $ 165,000 | $ 0 |
| Luzerne County Pennsylvania | 2 | $ 264,000 | $ 132,000 | $ 0 |
| Cameron County Texas | 2 | $ 959,000 | $ 479,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 66,081,000 | $ 33,040,000 | $ 0 |
| Tom Green County Texas | 2 | $ 585,000 | $ 292,000 | $ 0 |
| King County Washington | 2 | $ 2,787,000 | $ 1,393,000 | $ 0 |
| Dane County Wisconsin | 2 | $ 647,000 | $ 323,000 | $ 90,000 |
| Pima County Arizona | 1 | $ 946,000 | $ 946,000 | $ 0 |
| Yuma County Arizona | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Contra Costa County California | 1 | $ 375,000 | $ 375,000 | $ 0 |
| El Dorado County California | 1 | $ 793,000 | $ 793,000 | $ 0 |
| Lassen County California | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Merced County California | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Monterey County California | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Napa County California | 1 | $ 519,000 | $ 519,000 | $ 1,340,000 |
| Ventura County California | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 346,000 | $ 346,000 | $ 0 |
| Denver County Colorado | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 146,000 | $ 146,000 | $ 4,643,000 |
| New London County Connecticut | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Windham County Connecticut | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Broward County Florida | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Osceola County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bibb County Georgia | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Clayton County Georgia | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Fulton County Georgia | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Greene County Georgia | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Coles County Illinois | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Jackson County Illinois | 1 | $ 1,084,000 | $ 1,084,000 | $ 0 |
| Jo Daviess County Illinois | 1 | $ 252,000 | $ 252,000 | $ 219,000 |
| Knox County Illinois | 1 | $ 277,000 | $ 277,000 | $ 277,000 |
| Marshall County Illinois | 1 | $ 67,000 | $ 67,000 | $ 97,000 |
| Rock Island County Illinois | 1 | $ 136,000 | $ 136,000 | $ 62,000 |
| Williamson County Illinois | 1 | $ 57,000 | $ 57,000 | $ 40,000 |
| Winnebago County Illinois | 1 | $ 73,000 | $ 73,000 | $ 113,000 |
| Elkhart County Indiana | 1 | $ 167,000 | $ 167,000 | $ 48,000 |
| St. Joseph County Indiana | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Fayette County Kentucky | 1 | $ 193,000 | $ 193,000 | $ 78,000 |
| Jefferson County Kentucky | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Rowan County Kentucky | 1 | $ 4,700,000 | $ 4,700,000 | $ 0 |
| Scott County Kentucky | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Calcasieu County Louisiana | 1 | $ 772,000 | $ 772,000 | $ 0 |
| Jefferson County Louisiana | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Kennebec County Maine | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Penobscot County Maine | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Carroll County Maryland | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Worcester County Maryland | 1 | $ 939,000 | $ 939,000 | $ 0 |
| Eaton County Michigan | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Macomb County Michigan | 1 | $ 563,000 | $ 563,000 | $ 0 |
| Muskegon County Michigan | 1 | $ 133,000 | $ 133,000 | $ 64,000 |
| Ottawa County Michigan | 1 | $ 376,000 | $ 376,000 | $ 464,000 |
| St. Joseph County Michigan | 1 | $ 197,000 | $ 197,000 | $ 260,000 |
| Hennepin County Minnesota | 1 | $ 616,000 | $ 616,000 | $ 0 |
| St. Louis County Minnesota | 1 | $ 487,000 | $ 487,000 | $ 0 |
| St. Louis City County Missouri | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Belknap County New Hampshire | 1 | $ 309,000 | $ 309,000 | $ 0 |
| Sullivan County New Hampshire | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Morris County New Jersey | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Passaic County New Jersey | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Lea County New Mexico | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Cayuga County New York | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Clinton County New York | 1 | $ 633,000 | $ 633,000 | $ 0 |
| Greene County New York | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Niagara County New York | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Orange County New York | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Rensselaer County New York | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Richmond County New York | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Schenectady County New York | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Suffolk County New York | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Warren County New York | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Washington County New York | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 200,000 |
| Iredell County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Rowan County North Carolina | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Union County North Carolina | 1 | $ 1,203,000 | $ 1,203,000 | $ 0 |
| Ashtabula County Ohio | 1 | $ 516,000 | $ 516,000 | $ 0 |
| Crawford County Ohio | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 3,173,000 | $ 3,173,000 | $ 0 |
| Franklin County Ohio | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 747,000 | $ 747,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 2,189,000 | $ 2,189,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 943,000 | $ 943,000 | $ 0 |
| Tillamook County Oregon | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Lackawanna County Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Monroe County Pennsylvania | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Wayne County Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 0 |
| York County Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 55,000 |
| Kent County Rhode Island | 1 | $ 362,000 | $ 362,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 1,715,000 | $ 1,715,000 | $ 0 |
| Austin County Texas | 1 | $ 292,000 | $ 292,000 | $ 0 |
| El Paso County Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Galveston County Texas | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Maverick County Texas | 1 | $ 386,000 | $ 386,000 | $ 0 |
| McLennan County Texas | 1 | $ 957,000 | $ 957,000 | $ 0 |
| Tarrant County Texas | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Travis County Texas | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Val Verde County Texas | 1 | $ 662,000 | $ 662,000 | $ 0 |
| Wood County Texas | 1 | $ 335,000 | $ 335,000 | $ 171,000 |
| Utah County Utah | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Windham County Vermont | 1 | $ 693,000 | $ 693,000 | $ 0 |
| Windsor County Vermont | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Buckingham County Virginia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Campbell County Virginia | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Clark County Washington | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Cowlitz County Washington | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Franklin County Washington | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Mason County Washington | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Pierce County Washington | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Snohomish County Washington | 1 | $ 740,000 | $ 740,000 | $ 0 |
| Spokane County Washington | 1 | $ 421,000 | $ 421,000 | $ 0 |
| Cabell County West Virginia | 1 | $ 2,250,000 | $ 2,250,000 | $ 0 |
| Crawford County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 44,000 |
| Door County Wisconsin | 1 | $ 208,000 | $ 208,000 | $ 150,000 |
| Green Lake County Wisconsin | 1 | $ 390,000 | $ 390,000 | $ 323,000 |
| Milwaukee County Wisconsin | 1 | $ 2,775,000 | $ 2,775,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 250,000 |
| Waukesha County Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Park National Bank in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 930 | $273,987,000 | $294,000 | $4,700,000 | $64,000 | $4,643,000 |
| Home Purchase | 714 | $290,500,000 | $406,000 | $65,801,000 | $68,000 | $1,670,000 |
| Home Improvement | 157 | $19,032,000 | $121,000 | $1,190,000 | $70,000 | $323,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 605 | $137,099,000 | $226,000 | $2,318,000 | $119,000 | $4,643,000 |
| Not applicable | 491 | $332,661,000 | $677,000 | $65,801,000 | $0 | $0 |
| Black or African American | 286 | $37,388,000 | $130,000 | $1,500,000 | $59,000 | $438,000 |
| Hispanic | 279 | $43,027,000 | $154,000 | $804,000 | $55,000 | $226,000 |
| Not Provided | 118 | $27,850,000 | $236,000 | $1,500,000 | $111,000 | $747,000 |
| Asian | 19 | $4,573,000 | $240,000 | $581,000 | $110,000 | $290,000 |
| American Indian or Alaskan Native | 3 | $921,000 | $307,000 | $550,000 | $17,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,647 | $554,709,000 | $336,000 | $65,801,000 | $67,000 | $4,643,000 |
| FHA-insured (Federal Housing Administration) | 148 | $27,591,000 | $186,000 | $463,000 | $61,000 | $171,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,219,000 | $203,000 | $347,000 | $56,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 762 | $154,524,000 | $202,000 | $2,318,000 | $98,000 | $4,643,000 |
| Loan Purchased By The Institution | 469 | $315,368,000 | $672,000 | $65,801,000 | $0 | $0 |
| Application Denied By Financial Institution | 188 | $35,804,000 | $190,000 | $2,660,000 | $59,000 | $469,000 |
| Application Approved But Not Accepted | 102 | $22,113,000 | $216,000 | $919,000 | $95,000 | $432,000 |
| Application Withdrawn By Applicant | 97 | $20,224,000 | $208,000 | $1,500,000 | $91,000 | $469,000 |
| File Closed For Incompleteness | 82 | $15,850,000 | $193,000 | $1,170,000 | $94,000 | $851,000 |
| Preapproval Approved but not Accepted | 74 | $15,132,000 | $204,000 | $1,000,000 | $77,000 | $490,000 |
| Preapproval Denied by Financial Institution | 27 | $4,504,000 | $166,000 | $333,000 | $53,000 | $122,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 91 | $17,594,000 | $193,000 | $1,500,000 | $43,000 | $174,000 |
| Credit History | 56 | $7,112,000 | $127,000 | $392,000 | $62,000 | $208,000 |
| Collateral | 41 | $10,016,000 | $244,000 | $2,660,000 | $62,000 | $250,000 |
| Other | 18 | $4,359,000 | $242,000 | $550,000 | $106,000 | $469,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $707,000 | $235,000 | $320,000 | $83,000 | $122,000 |
| Mortgage Insurance Denied | 2 | $251,000 | $125,000 | $130,000 | $31,000 | $62,000 |
| Employment History | 2 | $175,000 | $87,000 | $150,000 | $68,000 | $77,000 |
| Credit Application Incomplete | 1 | $16,000 | $16,000 | $16,000 | $129,000 | $129,000 |
| Unverifiable Information | 1 | $78,000 | $78,000 | $78,000 | $26,000 | $26,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Park National Bank's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Park National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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