The Park National Bank Mortgage Lending & HMDA Data, 2025

In 2025, The Park National Bank of Newark, OH reported 5,346 mortgage applications totaling $978.7 million, about the same as 2024. The average application was for $183,078, and applicants reported an average income of $111,593. 69% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Columbus, OH (1,713), Cincinnati, OH-KY-IN (392) and Mansfield, OH (373) (applications in parentheses).

Mortgage Company & Address The Park National Bank
50 N Third Street
Newark, OH 43055
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,346
Total Mortgage Loan Application Amount $978,740,000
Average Mortgage Loan Application Amount $183,078
Highest Mortgage Loan Application Amount $9,505,000
Average Applicant Income $111,593
Highest Applicant Income $5,526,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Park National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for The Park National Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Franklin, Ohio 553 $ 138,625,000 $ 250,678 $ 102,000
Licking, Ohio 531 $ 79,005,000 $ 148,785 $ 112,000
Muskingum, Ohio 458 $ 58,180,000 $ 127,030 $ 103,000
Knox, Ohio 402 $ 62,620,000 $ 155,771 $ 111,000
Richland, Ohio 373 $ 38,325,000 $ 102,747 $ 82,000
Fairfield, Ohio 302 $ 41,520,000 $ 137,483 $ 100,000
Clark, Ohio 185 $ 23,895,000 $ 129,162 $ 78,000
Clermont, Ohio 155 $ 27,395,000 $ 176,741 $ 127,000
Hamilton, Ohio 149 $ 43,245,000 $ 290,234 $ 103,000
Ashland, Ohio 133 $ 16,385,000 $ 123,195 $ 88,000
Coshocton, Ohio 128 $ 13,550,000 $ 105,859 $ 94,000
Anderson, South Carolina 128 $ 34,980,000 $ 273,281 $ 117,000
Darke, Ohio 116 $ 11,720,000 $ 101,034 $ 85,000
Miami, Ohio 109 $ 13,515,000 $ 123,990 $ 93,000
Morrow, Ohio 102 $ 13,260,000 $ 130,000 $ 97,000
Spartanburg, South Carolina 102 $ 26,660,000 $ 261,372 $ 155,000
Crawford, Ohio 101 $ 10,325,000 $ 102,227 $ 85,000
Perry, Ohio 91 $ 11,805,000 $ 129,725 $ 86,000
Buncombe, North Carolina 65 $ 35,465,000 $ 545,615 $ 305,000
Holmes, Ohio 59 $ 6,895,000 $ 116,864 $ 83,000
Hocking, Ohio 58 $ 6,040,000 $ 104,137 $ 94,000
Pickens, South Carolina 58 $ 17,550,000 $ 302,586 $ 171,000
Greenville, South Carolina 55 $ 18,085,000 $ 328,818 $ 127,000
Jefferson, Kentucky 48 $ 10,360,000 $ 215,833 $ 77,000
Delaware, Ohio 48 $ 13,800,000 $ 287,500 $ 178,000
Champaign, Ohio 46 $ 4,800,000 $ 104,347 $ 74,000
Marion, Ohio 45 $ 6,415,000 $ 142,555 $ 80,000
Montgomery, Ohio 43 $ 13,895,000 $ 323,139 $ 76,000
Guernsey, Ohio 38 $ 3,980,000 $ 104,736 $ 108,000
Mecklenburg, North Carolina 37 $ 12,525,000 $ 338,513 $ 240,000
Greene, Ohio 36 $ 5,130,000 $ 142,500 $ 64,000
Wayne, Ohio 36 $ 5,830,000 $ 161,944 $ 96,000
Tuscarawas, Ohio 35 $ 4,765,000 $ 136,142 $ 84,000
Brown, Ohio 26 $ 7,770,000 $ 298,846 $ 115,000
Henderson, North Carolina 23 $ 9,115,000 $ 396,304 $ 189,000
Butler, Ohio 22 $ 5,950,000 $ 270,454 $ 93,000
Mercer, Ohio 22 $ 2,540,000 $ 115,454 $ 114,000
Warren, Ohio 16 $ 2,890,000 $ 180,625 $ 239,000
Athens, Ohio 15 $ 1,035,000 $ 69,000 $ 102,000
Shelby, Ohio 15 $ 1,635,000 $ 109,000 $ 80,000
Kenton, Kentucky 13 $ 8,675,000 $ 667,307 $ 156,000
Oconee, South Carolina 13 $ 4,785,000 $ 368,076 $ 176,000
Union, Ohio 11 $ 4,045,000 $ 367,727 $ 157,000
Huron, Ohio 10 $ 990,000 $ 99,000 $ 84,000
Stark, Ohio 10 $ 1,910,000 $ 191,000 $ 66,000
Medina, Ohio 9 $ 2,895,000 $ 321,666 $ 157,000
Pickaway, Ohio 9 $ 1,545,000 $ 171,666 $ 284,000
Summit, Ohio 9 $ 1,875,000 $ 208,333 $ 95,000
Campbell, Kentucky 8 $ 3,640,000 $ 455,000 $ 104,000
Madison, Ohio 8 $ 1,040,000 $ 130,000 $ 60,000
Lincoln, North Carolina 7 $ 3,475,000 $ 496,428 $ 664,000
Noble, Ohio 7 $ 965,000 $ 137,857 $ 143,000
Durham, North Carolina 6 $ 950,000 $ 158,333 $ 84,000
Carroll, Ohio 6 $ 1,070,000 $ 178,333 $ 134,000
Morgan, Ohio 6 $ 480,000 $ 80,000 $ 111,000
Laurens, South Carolina 6 $ 930,000 $ 155,000 $ 113,000
Jay, Indiana 5 $ 725,000 $ 145,000 $ 51,000
Auglaize, Ohio 5 $ 445,000 $ 89,000 $ 151,000
Clinton, Ohio 5 $ 1,445,000 $ 289,000 $ 55,000
Highland, Ohio 5 $ 615,000 $ 123,000 $ 81,000
Charleston, South Carolina 5 $ 3,385,000 $ 677,000 $ 386,000
Manatee, Florida 4 $ 1,890,000 $ 472,500 $ 702,000
Bullitt, Kentucky 4 $ 970,000 $ 242,500 $ 72,000
Gaston, North Carolina 4 $ 1,530,000 $ 382,500 $ 257,000
Iredell, North Carolina 4 $ 2,060,000 $ 515,000 $ 204,000
Madison, North Carolina 4 $ 1,140,000 $ 285,000 $ 139,000
Transylvania, North Carolina 4 $ 2,630,000 $ 657,500 $ 209,000
Hancock, Ohio 4 $ 630,000 $ 157,500 $ 82,000
Wyandot, Ohio 4 $ 320,000 $ 80,000 $ 89,000
Beaufort, South Carolina 4 $ 1,200,000 $ 300,000 $ 124,000
Horry, South Carolina 4 $ 1,110,000 $ 277,500 $ 200,000
York, South Carolina 4 $ 1,420,000 $ 355,000 $ 211,000
Lee, Florida 3 $ 1,865,000 $ 621,666 $ 430,000
Sumter, Florida 3 $ 425,000 $ 141,666 $ 91,000
Cobb, Georgia 3 $ 1,365,000 $ 455,000 $ 467,000
Hardin, Kentucky 3 $ 1,115,000 $ 371,666 $ 112,000
Cabarrus, North Carolina 3 $ 1,225,000 $ 408,333 $ 534,000
Haywood, North Carolina 3 $ 1,095,000 $ 365,000 $ 136,000
Union, North Carolina 3 $ 775,000 $ 258,333 $ 64,000
Allen, Ohio 3 $ 255,000 $ 85,000 $ 62,000
Cuyahoga, Ohio 3 $ 605,000 $ 201,666 $ 83,000
Erie, Ohio 3 $ 1,035,000 $ 345,000 $ 260,000
Ross, Ohio 3 $ 355,000 $ 118,333 $ 93,000
Trumbull, Ohio 3 $ 215,000 $ 71,666 $ 61,000
Cherokee, South Carolina 3 $ 605,000 $ 201,666 $ 67,000
Martin, Florida 2 $ 1,180,000 $ 590,000 $ 198,000
Pinellas, Florida 2 $ 410,000 $ 205,000 $ 172,000
Hamilton, Indiana 2 $ 750,000 $ 375,000 $ 189,000
Madison, Indiana 2 $ 290,000 $ 145,000 $ 95,000
Randolph, Indiana 2 $ 840,000 $ 420,000 $ 83,000
Russell, Kentucky 2 $ 120,000 $ 60,000 $ 60,000
Warren, Kentucky 2 $ 1,980,000 $ 990,000 $ 67,000
Catawba, North Carolina 2 $ 150,000 $ 75,000 $ 148,000
Davidson, North Carolina 2 $ 510,000 $ 255,000 $ 0
Stanly, North Carolina 2 $ 1,170,000 $ 585,000 $ 236,000
Fayette, Ohio 2 $ 50,000 $ 25,000 $ 35,000
Hardin, Ohio 2 $ 140,000 $ 70,000 $ 69,000
Harrison, Ohio 2 $ 380,000 $ 190,000 $ 92,000
Jefferson, Ohio 2 $ 360,000 $ 180,000 $ 58,000
Mahoning, Ohio 2 $ 880,000 $ 440,000 $ 112,000
Ottawa, Ohio 2 $ 520,000 $ 260,000 $ 385,000
Portage, Ohio 2 $ 370,000 $ 185,000 $ 0
Seneca, Ohio 2 $ 230,000 $ 115,000 $ 41,000
Berks, Pennsylvania 2 $ 360,000 $ 180,000 $ 41,000
Roane, Tennessee 2 $ 890,000 $ 445,000 $ 183,000
Baldwin, Alabama 1 $ 815,000 $ 815,000 $ 242,000
Maricopa, Arizona 1 $ 205,000 $ 205,000 $ 239,000
Charlotte, Florida 1 $ 605,000 $ 605,000 $ 240,000
Collier, Florida 1 $ 2,805,000 $ 2,805,000 $ 5,526,000
Indian River, Florida 1 $ 315,000 $ 315,000 $ 127,000
Marion, Florida 1 $ 55,000 $ 55,000 $ 40,000
Miami-Dade, Florida 1 $ 2,705,000 $ 2,705,000 $ 1,735,000
DeKalb, Georgia 1 $ 205,000 $ 205,000 $ 188,000
Cook, Illinois 1 $ 285,000 $ 285,000 $ 95,000
Adams, Indiana 1 $ 135,000 $ 135,000 $ 150,000
Clark, Indiana 1 $ 5,000 $ 5,000 $ 0
Dearborn, Indiana 1 $ 375,000 $ 375,000 $ 223,000
Delaware, Indiana 1 $ 165,000 $ 165,000 $ 104,000
Vanderburgh, Indiana 1 $ 125,000 $ 125,000 $ 142,000
Wayne, Indiana 1 $ 185,000 $ 185,000 $ 92,000
Boone, Kentucky 1 $ 85,000 $ 85,000 $ 86,000
Bracken, Kentucky 1 $ 155,000 $ 155,000 $ 0
Calloway, Kentucky 1 $ 305,000 $ 305,000 $ 853,000
Estill, Kentucky 1 $ 695,000 $ 695,000 $ 0
Fayette, Kentucky 1 $ 605,000 $ 605,000 $ 0
Madison, Kentucky 1 $ 35,000 $ 35,000 $ 20,000
Scott, Kentucky 1 $ 205,000 $ 205,000 $ 66,000
Spencer, Kentucky 1 $ 315,000 $ 315,000 $ 84,000
Ascension, Louisiana 1 $ 35,000 $ 35,000 $ 115,000
Queen Anne's, Maryland 1 $ 465,000 $ 465,000 $ 100,000
Washington, Maryland 1 $ 175,000 $ 175,000 $ 168,000
Yellowstone, Montana 1 $ 105,000 $ 105,000 $ 88,000
Burlington, New Jersey 1 $ 45,000 $ 45,000 $ 56,000
Onondaga, New York 1 $ 175,000 $ 175,000 $ 76,000
Anson, North Carolina 1 $ 175,000 $ 175,000 $ 56,000
Brunswick, North Carolina 1 $ 55,000 $ 55,000 $ 107,000
Cumberland, North Carolina 1 $ 155,000 $ 155,000 $ 27,000
Polk, North Carolina 1 $ 565,000 $ 565,000 $ 107,000
Rowan, North Carolina 1 $ 285,000 $ 285,000 $ 82,000
Watauga, North Carolina 1 $ 805,000 $ 805,000 $ 0
Yancey, North Carolina 1 $ 235,000 $ 235,000 $ 88,000
Belmont, Ohio 1 $ 165,000 $ 165,000 $ 98,000
Columbiana, Ohio 1 $ 145,000 $ 145,000 $ 72,000
Gallia, Ohio 1 $ 55,000 $ 55,000 $ 36,000
Jackson, Ohio 1 $ 35,000 $ 35,000 $ 91,000
Lake, Ohio 1 $ 45,000 $ 45,000 $ 20,000
Lawrence, Ohio 1 $ 65,000 $ 65,000 $ 90,000
Logan, Ohio 1 $ 185,000 $ 185,000 $ 87,000
Lorain, Ohio 1 $ 355,000 $ 355,000 $ 187,000
Preble, Ohio 1 $ 235,000 $ 235,000 $ 94,000
Putnam, Ohio 1 $ 605,000 $ 605,000 $ 0
Sandusky, Ohio 1 $ 45,000 $ 45,000 $ 39,000
Scioto, Ohio 1 $ 25,000 $ 25,000 $ 120,000
Vinton, Ohio 1 $ 135,000 $ 135,000 $ 62,000
Washington, Ohio 1 $ 905,000 $ 905,000 $ 0
Northampton, Pennsylvania 1 $ 315,000 $ 315,000 $ 94,000
Somerset, Pennsylvania 1 $ 225,000 $ 225,000 $ 217,000
Aiken, South Carolina 1 $ 835,000 $ 835,000 $ 92,000
Greenwood, South Carolina 1 $ 195,000 $ 195,000 $ 54,000
Lancaster, South Carolina 1 $ 205,000 $ 205,000 $ 56,000
Richland, South Carolina 1 $ 205,000 $ 205,000 $ 0
Union, South Carolina 1 $ 255,000 $ 255,000 $ 77,000
Anderson, Tennessee 1 $ 405,000 $ 405,000 $ 81,000
Campbell, Tennessee 1 $ 305,000 $ 305,000 $ 228,000
Franklin, Tennessee 1 $ 365,000 $ 365,000 $ 74,000
Washington, Tennessee 1 $ 495,000 $ 495,000 $ 208,000
Harris, Texas 1 $ 285,000 $ 285,000 $ 219,000
Calhoun, West Virginia 1 $ 405,000 $ 405,000 $ 236,000
Putnam, West Virginia 1 $ 115,000 $ 115,000 $ 82,000
Webster, West Virginia 1 $ 85,000 $ 85,000 $ 120,000

Mortgage Loan Application Detail Totals for The Park National Bank in 2025

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
Home Purchase 2,338 $615,890,000 $263,000 $9,505,000 $111,000 $3,272,000
Home Improvement 1,236 $99,450,000 $80,000 $1,505,000 $107,000 $1,439,000
Refinancing 955 $167,965,000 $175,000 $4,175,000 $128,000 $5,526,000
Other Purpose 593 $56,555,000 $95,000 $2,705,000 $106,000 $1,735,000
Cash-out Refinancing 224 $38,880,000 $173,000 $805,000 $88,000 $678,000
Not Applicable 0 $0 $0 $0 $0 $0

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 4,326 $690,050,000 $159,000 $4,005,000 $114,000 $5,526,000
Black or African American 328 $58,390,000 $178,000 $865,000 $80,000 $460,000
Not applicable 311 $159,575,000 $513,000 $9,505,000 $0 $0
Not Provided 210 $38,250,000 $182,000 $1,355,000 $112,000 $721,000
Hispanic 103 $19,955,000 $193,000 $705,000 $105,000 $2,350,000
Asian 50 $10,150,000 $203,000 $845,000 $121,000 $446,000
American Indian or Alaskan Native 17 $2,335,000 $137,000 $575,000 $84,000 $237,000
Native Hawaiian or Other Pacific Islander 1 $35,000 $35,000 $35,000 $48,000 $48,000

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) 5,268 $957,860,000 $181,000 $9,505,000 $112,000 $5,526,000
FHA-insured (Federal Housing Administration) 51 $12,675,000 $248,000 $485,000 $81,000 $157,000
VA-guaranteed (Veterans Administration) 22 $7,100,000 $322,000 $805,000 $120,000 $237,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $1,105,000 $221,000 $275,000 $112,000 $136,000

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 3,709 $701,905,000 $189,000 $9,505,000 $118,000 $5,526,000
Application Denied By Financial Institution 886 $119,980,000 $135,000 $1,795,000 $86,000 $1,501,000
Application Withdrawn By Applicant 665 $136,555,000 $205,000 $4,805,000 $109,000 $3,272,000
Application Approved But Not Accepted 63 $14,565,000 $231,000 $2,555,000 $134,000 $882,000
Preapproval Approved but not Accepted 20 $5,080,000 $254,000 $765,000 $91,000 $168,000
Preapproval Denied by Financial Institution 2 $530,000 $265,000 $345,000 $56,000 $100,000
Loan Purchased By The Institution 1 $125,000 $125,000 $125,000 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0

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
Not applicable 4,458 $858,230,000 $192,000 $9,505,000 $117,000 $5,526,000
Debt-To-Income Ratio 451 $75,365,000 $167,000 $1,795,000 $72,000 $580,000
Credit History 223 $16,635,000 $74,000 $485,000 $87,000 $800,000
Credit Application Incomplete 76 $10,300,000 $135,000 $995,000 $111,000 $493,000
Collateral 63 $9,775,000 $155,000 $725,000 $123,000 $682,000
Other 58 $6,980,000 $120,000 $1,605,000 $121,000 $1,501,000
Employment History 14 $1,150,000 $82,000 $205,000 $58,000 $168,000
Insufficient Cash (Downpayment, Closing Cost) 3 $305,000 $101,000 $115,000 $41,000 $48,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park National Bank's 2025 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 The 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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