The Park National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
The Park National Bank 2012 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 | 9,001 |
| Total Mortgage Loan Application Amount | $1,088,938,000 |
| Average Mortgage Loan Application Amount | $105,333 |
| Highest Mortgage Loan Application Amount | $8,300,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $1,299,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,655 | $ 208,352,000 | $ 125,000 | $ 74,000 |
| Muskingum County Ohio | 1,041 | $ 120,757,000 | $ 116,000 | $ 77,000 |
| Knox County Ohio | 786 | $ 93,490,000 | $ 118,000 | $ 69,000 |
| Fairfield County Ohio | 745 | $ 90,963,000 | $ 122,000 | $ 77,000 |
| Richland County Ohio | 565 | $ 54,800,000 | $ 96,000 | $ 62,000 |
| Clark County Ohio | 450 | $ 34,788,000 | $ 77,000 | $ 61,000 |
| Franklin County Ohio | 430 | $ 78,190,000 | $ 181,000 | $ 99,000 |
| Darke County Ohio | 338 | $ 33,165,000 | $ 98,000 | $ 67,000 |
| Miami County Ohio | 320 | $ 39,783,000 | $ 124,000 | $ 81,000 |
| Clermont County Ohio | 301 | $ 37,708,000 | $ 125,000 | $ 72,000 |
| Hamilton County Ohio | 169 | $ 38,588,000 | $ 228,000 | $ 112,000 |
| Ashland County Ohio | 165 | $ 13,522,000 | $ 81,000 | $ 64,000 |
| Perry County Ohio | 165 | $ 19,089,000 | $ 115,000 | $ 68,000 |
| Crawford County Ohio | 163 | $ 11,556,000 | $ 70,000 | $ 53,000 |
| Morrow County Ohio | 161 | $ 15,149,000 | $ 94,000 | $ 59,000 |
| Coshocton County Ohio | 127 | $ 14,731,000 | $ 115,000 | $ 74,000 |
| Delaware County Ohio | 110 | $ 21,817,000 | $ 198,000 | $ 109,000 |
| Holmes County Ohio | 106 | $ 9,175,000 | $ 86,000 | $ 64,000 |
| Champaign County Ohio | 98 | $ 7,586,000 | $ 77,000 | $ 58,000 |
| Hocking County Ohio | 94 | $ 11,288,000 | $ 120,000 | $ 82,000 |
| Greene County Ohio | 93 | $ 11,660,000 | $ 125,000 | $ 66,000 |
| Marion County Ohio | 84 | $ 7,262,000 | $ 86,000 | $ 52,000 |
| Guernsey County Ohio | 83 | $ 7,921,000 | $ 95,000 | $ 63,000 |
| Athens County Ohio | 81 | $ 12,983,000 | $ 160,000 | $ 88,000 |
| Mercer County Ohio | 68 | $ 7,211,000 | $ 106,000 | $ 65,000 |
| Montgomery County Ohio | 64 | $ 11,869,000 | $ 185,000 | $ 83,000 |
| Brown County Ohio | 48 | $ 5,637,000 | $ 117,000 | $ 90,000 |
| Tuscarawas County Ohio | 39 | $ 3,551,000 | $ 91,000 | $ 52,000 |
| Shelby County Ohio | 36 | $ 4,378,000 | $ 121,000 | $ 66,000 |
| Wayne County Ohio | 33 | $ 4,329,000 | $ 131,000 | $ 50,000 |
| Madison County Ohio | 21 | $ 3,445,000 | $ 164,000 | $ 100,000 |
| Union County Ohio | 19 | $ 2,614,000 | $ 137,000 | $ 73,000 |
| Pickaway County Ohio | 17 | $ 1,729,000 | $ 101,000 | $ 60,000 |
| Stark County Ohio | 14 | $ 1,191,000 | $ 85,000 | $ 21,000 |
| Warren County Ohio | 14 | $ 2,083,000 | $ 148,000 | $ 98,000 |
| Butler County Ohio | 12 | $ 1,602,000 | $ 133,000 | $ 85,000 |
| Morgan County Ohio | 12 | $ 1,084,000 | $ 90,000 | $ 67,000 |
| Noble County Ohio | 12 | $ 1,608,000 | $ 134,000 | $ 90,000 |
| Campbell County Kentucky | 11 | $ 1,890,000 | $ 171,000 | $ 108,000 |
| Ottawa County Ohio | 10 | $ 1,677,000 | $ 167,000 | $ 115,000 |
| Preble County Ohio | 10 | $ 685,000 | $ 68,000 | $ 40,000 |
| Kenton County Kentucky | 9 | $ 1,115,000 | $ 123,000 | $ 80,000 |
| Auglaize County Ohio | 9 | $ 1,175,000 | $ 130,000 | $ 86,000 |
| Lorain County Ohio | 9 | $ 1,304,000 | $ 144,000 | $ 26,000 |
| Lee County Florida | 8 | $ 2,135,000 | $ 266,000 | $ 93,000 |
| Jay County Indiana | 7 | $ 639,000 | $ 91,000 | $ 55,000 |
| Cuyahoga County Ohio | 7 | $ 2,440,000 | $ 348,000 | $ 181,000 |
| Fayette County Ohio | 7 | $ 743,000 | $ 106,000 | $ 63,000 |
| Huron County Ohio | 7 | $ 524,000 | $ 74,000 | $ 54,000 |
| Collier County Florida | 6 | $ 1,057,000 | $ 176,000 | $ 192,000 |
| Clinton County Ohio | 6 | $ 808,000 | $ 134,000 | $ 86,000 |
| Erie County Ohio | 6 | $ 621,000 | $ 103,000 | $ 82,000 |
| Logan County Ohio | 6 | $ 500,000 | $ 83,000 | $ 87,000 |
| Meigs County Ohio | 6 | $ 1,012,000 | $ 168,000 | $ 134,000 |
| Seneca County Ohio | 6 | $ 765,000 | $ 127,000 | $ 68,000 |
| Sarasota County Florida | 5 | $ 1,258,000 | $ 251,000 | $ 135,000 |
| Belmont County Ohio | 5 | $ 457,000 | $ 91,000 | $ 67,000 |
| Summit County Ohio | 5 | $ 652,000 | $ 130,000 | $ 245,000 |
| Wyandot County Ohio | 5 | $ 514,000 | $ 102,000 | $ 89,000 |
| Boone County Kentucky | 4 | $ 813,000 | $ 203,000 | $ 95,000 |
| Highland County Ohio | 4 | $ 397,000 | $ 99,000 | $ 90,000 |
| Brevard County Florida | 3 | $ 741,000 | $ 247,000 | $ 168,000 |
| Cheboygan County Michigan | 3 | $ 386,000 | $ 128,000 | $ 387,000 |
| Adams County Ohio | 3 | $ 240,000 | $ 80,000 | $ 65,000 |
| Allen County Ohio | 3 | $ 85,000 | $ 28,000 | $ 69,000 |
| Portage County Ohio | 3 | $ 408,000 | $ 136,000 | $ 176,000 |
| Vinton County Ohio | 3 | $ 615,000 | $ 205,000 | $ 88,000 |
| Riverside County California | 2 | $ 365,000 | $ 182,000 | $ 61,000 |
| Palm Beach County Florida | 2 | $ 666,000 | $ 333,000 | $ 179,000 |
| Pinellas County Florida | 2 | $ 647,000 | $ 323,000 | $ 165,000 |
| Cook County Illinois | 2 | $ 487,000 | $ 243,000 | $ 151,000 |
| Randolph County Indiana | 2 | $ 125,000 | $ 62,000 | $ 48,000 |
| Pulaski County Kentucky | 2 | $ 407,000 | $ 203,000 | $ 192,000 |
| Waldo County Maine | 2 | $ 651,000 | $ 325,000 | $ 381,000 |
| Carroll County Ohio | 2 | $ 521,000 | $ 260,000 | $ 231,000 |
| Gallia County Ohio | 2 | $ 205,000 | $ 102,000 | $ 42,000 |
| Hancock County Ohio | 2 | $ 122,000 | $ 61,000 | $ 57,000 |
| Hardin County Ohio | 2 | $ 196,000 | $ 98,000 | $ 56,000 |
| Harrison County Ohio | 2 | $ 200,000 | $ 100,000 | $ 35,000 |
| Jackson County Ohio | 2 | $ 202,000 | $ 101,000 | $ 53,000 |
| Medina County Ohio | 2 | $ 668,000 | $ 334,000 | $ 134,000 |
| Ross County Ohio | 2 | $ 238,000 | $ 119,000 | $ 89,000 |
| Sandusky County Ohio | 2 | $ 70,000 | $ 35,000 | $ 136,000 |
| Beaufort County South Carolina | 2 | $ 889,000 | $ 444,000 | $ 667,000 |
| Charleston County South Carolina | 2 | $ 975,000 | $ 487,000 | $ 573,000 |
| Maricopa County Arizona | 1 | $ 55,000 | $ 55,000 | $ 619,000 |
| Pima County Arizona | 1 | $ 205,000 | $ 205,000 | $ 199,000 |
| Denver County Colorado | 1 | $ 238,000 | $ 238,000 | $ 76,000 |
| Pueblo County Colorado | 1 | $ 90,000 | $ 90,000 | $ 207,000 |
| Charlotte County Florida | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Duval County Florida | 1 | $ 147,000 | $ 147,000 | $ 99,000 |
| Flagler County Florida | 1 | $ 140,000 | $ 140,000 | $ 124,000 |
| Manatee County Florida | 1 | $ 525,000 | $ 525,000 | $ 199,000 |
| Miami-Dade County Florida | 1 | $ 262,000 | $ 262,000 | $ 575,000 |
| Monroe County Florida | 1 | $ 248,000 | $ 248,000 | $ 60,000 |
| Volusia County Florida | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| Adams County Indiana | 1 | $ 110,000 | $ 110,000 | $ 89,000 |
| Boone County Indiana | 1 | $ 132,000 | $ 132,000 | $ 428,000 |
| Madison County Indiana | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Miami County Indiana | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Union County Indiana | 1 | $ 106,000 | $ 106,000 | $ 36,000 |
| Wayne County Indiana | 1 | $ 139,000 | $ 139,000 | $ 140,000 |
| Grant County Kentucky | 1 | $ 148,000 | $ 148,000 | $ 38,000 |
| Charlevoix County Michigan | 1 | $ 169,000 | $ 169,000 | $ 156,000 |
| Monroe County Michigan | 1 | $ 324,000 | $ 324,000 | $ 137,000 |
| St. Louis County Missouri | 1 | $ 393,000 | $ 393,000 | $ 162,000 |
| Clark County Nevada | 1 | $ 359,000 | $ 359,000 | $ 119,000 |
| Orange County New York | 1 | $ 344,000 | $ 344,000 | $ 200,000 |
| Brunswick County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 105,000 |
| Rutherford County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 356,000 |
| Wayne County North Carolina | 1 | $ 46,000 | $ 46,000 | $ 130,000 |
| Ashtabula County Ohio | 1 | $ 67,000 | $ 67,000 | $ 68,000 |
| Columbiana County Ohio | 1 | $ 43,000 | $ 43,000 | $ 10,000 |
| Lake County Ohio | 1 | $ 27,000 | $ 27,000 | $ 252,000 |
| Lawrence County Ohio | 1 | $ 293,000 | $ 293,000 | $ 120,000 |
| Mahoning County Ohio | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Scioto County Ohio | 1 | $ 80,000 | $ 80,000 | $ 112,000 |
| Trumbull County Ohio | 1 | $ 109,000 | $ 109,000 | $ 81,000 |
| Washington County Ohio | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Wood County Ohio | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Payne County Oklahoma | 1 | $ 174,000 | $ 174,000 | $ 130,000 |
| Allegheny County Pennsylvania | 1 | $ 71,000 | $ 71,000 | $ 27,000 |
| Snyder County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| Sullivan County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 106,000 |
| Washington County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 198,000 |
| Clarendon County South Carolina | 1 | $ 172,000 | $ 172,000 | $ 331,000 |
| Campbell County Tennessee | 1 | $ 56,000 | $ 56,000 | $ 69,000 |
| Sevier County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Williamson County Texas | 1 | $ 417,000 | $ 417,000 | $ 470,000 |
| Fairfax County Virginia | 1 | $ 297,000 | $ 297,000 | $ 155,000 |
| Mason County West Virginia | 1 | $ 257,000 | $ 257,000 | $ 273,000 |
| Ohio County West Virginia | 1 | $ 28,000 | $ 28,000 | $ 109,000 |
| Raleigh County West Virginia | 1 | $ 109,000 | $ 109,000 | $ 236,000 |
| Wood County West Virginia | 1 | $ 274,000 | $ 274,000 | $ 621,000 |
Mortgage Loan Application Detail Totals for The Park National Bank in 2012
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 | 5,671 | $751,363,000 | $132,000 | $8,300,000 | $77,000 | $1,299,000 |
| Home Purchase | 2,150 | $262,264,000 | $121,000 | $4,400,000 | $74,000 | $994,000 |
| Home Improvement | 1,180 | $75,311,000 | $63,000 | $725,000 | $66,000 | $1,186,000 |
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 | 8,363 | $979,702,000 | $117,000 | $2,153,000 | $76,000 | $1,299,000 |
| Not Provided | 273 | $27,475,000 | $100,000 | $3,008,000 | $67,000 | $1,116,000 |
| Not applicable | 195 | $59,632,000 | $305,000 | $8,300,000 | $0 | $0 |
| Black or African American | 63 | $6,690,000 | $106,000 | $425,000 | $82,000 | $478,000 |
| Hispanic | 60 | $7,476,000 | $124,000 | $952,000 | $90,000 | $575,000 |
| Asian | 36 | $6,956,000 | $193,000 | $600,000 | $150,000 | $537,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $805,000 | $115,000 | $318,000 | $67,000 | $184,000 |
| American Indian or Alaskan Native | 4 | $202,000 | $50,000 | $82,000 | $36,000 | $43,000 |
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) | 8,632 | $1,049,996,000 | $121,000 | $8,300,000 | $76,000 | $1,299,000 |
| FHA-insured (Federal Housing Administration) | 313 | $31,317,000 | $100,000 | $284,000 | $45,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 56 | $7,625,000 | $136,000 | $294,000 | $59,000 | $118,000 |
| 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 | 6,778 | $824,091,000 | $121,000 | $8,300,000 | $79,000 | $1,299,000 |
| Application Denied By Financial Institution | 1,397 | $162,677,000 | $116,000 | $3,008,000 | $57,000 | $696,000 |
| Application Approved But Not Accepted | 658 | $79,945,000 | $121,000 | $650,000 | $73,000 | $1,186,000 |
| Application Withdrawn By Applicant | 168 | $22,225,000 | $132,000 | $2,100,000 | $74,000 | $744,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Collateral | 448 | $54,692,000 | $122,000 | $516,000 | $73,000 | $696,000 |
| Credit History | 426 | $36,827,000 | $86,000 | $417,000 | $54,000 | $382,000 |
| Debt-To-Income Ratio | 333 | $38,424,000 | $115,000 | $971,000 | $42,000 | $186,000 |
| Other | 95 | $16,353,000 | $172,000 | $3,008,000 | $47,000 | $227,000 |
| Employment History | 39 | $4,913,000 | $125,000 | $805,000 | $46,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $5,606,000 | $193,000 | $1,600,000 | $48,000 | $116,000 |
| Mortgage Insurance Denied | 10 | $1,480,000 | $148,000 | $289,000 | $86,000 | $232,000 |
| Unverifiable Information | 10 | $912,000 | $91,000 | $255,000 | $55,000 | $200,000 |
| Credit Application Incomplete | 7 | $3,470,000 | $495,000 | $3,000,000 | $52,000 | $106,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park National Bank's 2012 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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