The Park National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The Park National Bank 2003 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 | The Park National Bank 50 N Third Street Newark, OH 43055 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 4,696 |
| Total Mortgage Loan Application Amount | $519,027,000 |
| Average Mortgage Loan Application Amount | $233,230 |
| Highest Mortgage Loan Application Amount | $1,340,000 |
| Average Applicant Income | $162,653 |
| Highest Applicant Income | $3,038,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The 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 The Park National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The 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 The Park National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The 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 The Park National Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Licking County Ohio | 2,689 | $ 278,254,000 | $ 103,000 | $ 79,000 |
| Fairfield County Ohio | 912 | $ 89,782,000 | $ 98,000 | $ 63,000 |
| Franklin County Ohio | 457 | $ 66,167,000 | $ 144,000 | $ 110,000 |
| Delaware County Ohio | 107 | $ 20,802,000 | $ 194,000 | $ 203,000 |
| Perry County Ohio | 104 | $ 13,250,000 | $ 127,000 | $ 70,000 |
| Knox County Ohio | 85 | $ 8,090,000 | $ 95,000 | $ 51,000 |
| Muskingum County Ohio | 58 | $ 5,216,000 | $ 89,000 | $ 46,000 |
| Hocking County Ohio | 49 | $ 4,395,000 | $ 89,000 | $ 50,000 |
| Montgomery County Ohio | 31 | $ 3,666,000 | $ 118,000 | $ 75,000 |
| Pickaway County Ohio | 15 | $ 1,631,000 | $ 108,000 | $ 66,000 |
| Hamilton County Ohio | 9 | $ 1,669,000 | $ 185,000 | $ 194,000 |
| Coshocton County Ohio | 8 | $ 847,000 | $ 105,000 | $ 60,000 |
| Greene County Ohio | 7 | $ 1,324,000 | $ 189,000 | $ 106,000 |
| Warren County Ohio | 7 | $ 1,574,000 | $ 224,000 | $ 138,000 |
| Madison County Ohio | 6 | $ 1,273,000 | $ 212,000 | $ 35,000 |
| Union County Ohio | 6 | $ 823,000 | $ 137,000 | $ 134,000 |
| Lee County Florida | 4 | $ 1,111,000 | $ 277,000 | $ 186,000 |
| Campbell County Kentucky | 4 | $ 504,000 | $ 126,000 | $ 38,000 |
| Athens County Ohio | 4 | $ 415,000 | $ 103,000 | $ 127,000 |
| Butler County Ohio | 4 | $ 1,197,000 | $ 299,000 | $ 169,000 |
| Clark County Ohio | 4 | $ 356,000 | $ 89,000 | $ 46,000 |
| Miami County Ohio | 4 | $ 387,000 | $ 96,000 | $ 39,000 |
| Sarasota County Florida | 3 | $ 281,000 | $ 93,000 | $ 108,000 |
| Sumter County Florida | 3 | $ 396,000 | $ 132,000 | $ 70,000 |
| Kenton County Kentucky | 3 | $ 167,000 | $ 55,000 | $ 743,000 |
| Nantucket County Massachusetts | 3 | $ 885,000 | $ 295,000 | $ 0 |
| Crawford County Ohio | 3 | $ 228,000 | $ 76,000 | $ 77,000 |
| Cuyahoga County Ohio | 3 | $ 254,000 | $ 84,000 | $ 96,000 |
| Morgan County Ohio | 3 | $ 230,000 | $ 76,000 | $ 33,000 |
| Richland County Ohio | 3 | $ 1,058,000 | $ 352,000 | $ 306,000 |
| Pinellas County Florida | 2 | $ 291,000 | $ 145,000 | $ 119,000 |
| Dare County North Carolina | 2 | $ 2,400,000 | $ 1,200,000 | $ 972,000 |
| Clermont County Ohio | 2 | $ 520,000 | $ 260,000 | $ 43,000 |
| Darke County Ohio | 2 | $ 120,000 | $ 60,000 | $ 36,000 |
| Marion County Ohio | 2 | $ 160,000 | $ 80,000 | $ 36,000 |
| Meigs County Ohio | 2 | $ 175,000 | $ 87,000 | $ 50,000 |
| Morrow County Ohio | 2 | $ 377,000 | $ 188,000 | $ 59,000 |
| Ross County Ohio | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| Stark County Ohio | 2 | $ 120,000 | $ 60,000 | $ 41,000 |
| Beaufort County South Carolina | 2 | $ 397,000 | $ 198,000 | $ 205,000 |
| Sonoma County California | 1 | $ 320,000 | $ 320,000 | $ 133,000 |
| El Paso County Colorado | 1 | $ 112,000 | $ 112,000 | $ 83,000 |
| La Plata County Colorado | 1 | $ 261,000 | $ 261,000 | $ 190,000 |
| Collier County Florida | 1 | $ 111,000 | $ 111,000 | $ 264,000 |
| Hernando County Florida | 1 | $ 108,000 | $ 108,000 | $ 235,000 |
| Indian River County Florida | 1 | $ 153,000 | $ 153,000 | $ 638,000 |
| Palm Beach County Florida | 1 | $ 646,000 | $ 646,000 | $ 826,000 |
| Pasco County Florida | 1 | $ 108,000 | $ 108,000 | $ 150,000 |
| St. Lucie County Florida | 1 | $ 157,000 | $ 157,000 | $ 176,000 |
| Franklin County Georgia | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Will County Illinois | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Delaware County Indiana | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Grant County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Mason County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Owen County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 50,000 |
| Pendleton County Kentucky | 1 | $ 96,000 | $ 96,000 | $ 99,000 |
| Russell County Kentucky | 1 | $ 212,000 | $ 212,000 | $ 892,000 |
| Waldo County Maine | 1 | $ 227,000 | $ 227,000 | $ 185,000 |
| New York County New York | 1 | $ 134,000 | $ 134,000 | $ 192,000 |
| Onondaga County New York | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Tompkins County New York | 1 | $ 240,000 | $ 240,000 | $ 76,000 |
| Cumberland County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Durham County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 668,000 |
| Champaign County Ohio | 1 | $ 413,000 | $ 413,000 | $ 221,000 |
| Erie County Ohio | 1 | $ 100,000 | $ 100,000 | $ 421,000 |
| Harrison County Ohio | 1 | $ 63,000 | $ 63,000 | $ 197,000 |
| Highland County Ohio | 1 | $ 91,000 | $ 91,000 | $ 76,000 |
| Logan County Ohio | 1 | $ 221,000 | $ 221,000 | $ 358,000 |
| Lucas County Ohio | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Noble County Ohio | 1 | $ 49,000 | $ 49,000 | $ 24,000 |
| Ottawa County Ohio | 1 | $ 23,000 | $ 23,000 | $ 414,000 |
| Putnam County Ohio | 1 | $ 69,000 | $ 69,000 | $ 29,000 |
| Summit County Ohio | 1 | $ 221,000 | $ 221,000 | $ 167,000 |
| Vinton County Ohio | 1 | $ 322,000 | $ 322,000 | $ 206,000 |
| Washington County Ohio | 1 | $ 190,000 | $ 190,000 | $ 233,000 |
| Wood County Ohio | 1 | $ 107,000 | $ 107,000 | $ 181,000 |
| Providence County Rhode Island | 1 | $ 308,000 | $ 308,000 | $ 131,000 |
| Berkeley County South Carolina | 1 | $ 94,000 | $ 94,000 | $ 133,000 |
| Darlington County South Carolina | 1 | $ 87,000 | $ 87,000 | $ 108,000 |
| Dorchester County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 36,000 |
| Dallas County Texas | 1 | $ 82,000 | $ 82,000 | $ 53,000 |
| Henrico County Virginia | 1 | $ 234,000 | $ 234,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for The Park National Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 3,747 | $423,303,000 | $245,615 | $1,200,000 | $166,769 | $3,038,000 |
| Home Purchase (one-to-four family) | 793 | $87,379,000 | $194,727 | $1,200,000 | $182,090 | $985,000 |
| Home Improvement (one-to-four family) | 150 | $4,133,000 | $27,000 | $267,000 | $58,000 | $204,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 6 | $4,212,000 | $702,000 | $1,340,000 | $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 | 4,379 | $479,363,000 | $197,187 | $1,200,000 | $146,500 | $3,038,000 |
| Information not provided by applicant in mail or telephone application | 200 | $21,844,000 | $130,250 | $400,000 | $67,750 | $693,000 |
| Black | 42 | $4,927,000 | $117,000 | $323,000 | $108,000 | $947,000 |
| Not applicable | 30 | $7,220,000 | $172,666 | $1,340,000 | $318,000 | $969,000 |
| Asian or Pacific Islander | 21 | $3,261,000 | $155,000 | $575,000 | $82,000 | $197,000 |
| Hispanic | 12 | $1,059,000 | $54,500 | $178,000 | $56,500 | $367,000 |
| Other | 9 | $1,031,000 | $114,000 | $198,000 | $48,000 | $140,000 |
| American Indian or Alaskan Native | 3 | $322,000 | $107,000 | $180,000 | $56,000 | $75,000 |
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) | 4,637 | $512,630,000 | $202,882 | $1,340,000 | $146,117 | $3,038,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,144,000 | $95,000 | $209,000 | $37,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,340,000 | $117,000 | $240,000 | $56,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $913,000 | $152,000 | $575,000 | $65,000 | $193,000 |
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 | 4,171 | $465,478,000 | $215,400 | $1,340,000 | $155,066 | $3,038,000 |
| Application Withdrawn By Applicant | 275 | $30,137,000 | $246,000 | $800,000 | $138,666 | $393,000 |
| Application Denied By Financial Institution | 243 | $22,378,000 | $56,000 | $600,000 | $36,750 | $316,000 |
| File Closed For Incompleteness | 4 | $486,000 | $121,000 | $200,000 | $60,000 | $84,000 |
| Application Approved But Not Accepted | 3 | $548,000 | $182,000 | $322,000 | $107,000 | $206,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 131 | $10,380,000 | $65,000 | $340,000 | $40,666 | $149,000 |
| Debt-To-Income Ratio | 71 | $7,348,000 | $68,000 | $479,000 | $27,500 | $165,000 |
| Collateral | 22 | $3,155,000 | $96,500 | $600,000 | $56,000 | $316,000 |
| Other | 10 | $799,000 | $79,000 | $120,000 | $42,000 | $68,000 |
| Employment History | 4 | $318,000 | $60,000 | $205,000 | $46,333 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $148,000 | $44,500 | $68,000 | $25,000 | $43,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $175,000 | $31,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park National Bank's 2003 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.