The Park National Bank Mortgage Lending & HMDA Data, 2019

In 2019, The Park National Bank of Newark, OH reported 7,221 mortgage applications totaling $1.0 billion, up 8% from 2018. The average application was for $143,537, and applicants reported an average income of $101,769. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Columbus, OH (2,034), Mansfield, OH (542) and Cincinnati, OH-KY-IN (481) (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 7,221
Total Mortgage Loan Application Amount $1,036,485,000
Average Mortgage Loan Application Amount $143,537
Highest Mortgage Loan Application Amount $11,205,000
Average Applicant Income $101,769
Highest Applicant Income $6,673,000

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(HMDA) records The Park National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Licking, Ohio 807 $ 117,845,000 $ 146,028 $ 118,000
Muskingum, Ohio 807 $ 86,465,000 $ 107,143 $ 80,000
Knox, Ohio 602 $ 67,280,000 $ 111,760 $ 82,000
Richland, Ohio 542 $ 52,330,000 $ 96,549 $ 81,000
Fairfield, Ohio 457 $ 56,365,000 $ 123,336 $ 91,000
Clark, Ohio 297 $ 29,335,000 $ 98,771 $ 83,000
Franklin, Ohio 296 $ 60,920,000 $ 205,810 $ 150,000
Darke, Ohio 259 $ 25,485,000 $ 98,397 $ 72,000
Clermont, Ohio 221 $ 34,305,000 $ 155,226 $ 108,000
Coshocton, Ohio 220 $ 20,090,000 $ 91,318 $ 73,000
Miami, Ohio 192 $ 21,670,000 $ 112,864 $ 79,000
Ashland, Ohio 180 $ 18,260,000 $ 101,444 $ 78,000
Mecklenburg, North Carolina 173 $ 69,505,000 $ 401,763 $ 243,000
Hamilton, Ohio 142 $ 30,070,000 $ 211,760 $ 156,000
Morrow, Ohio 139 $ 14,515,000 $ 104,424 $ 82,000
Perry, Ohio 133 $ 15,565,000 $ 117,030 $ 85,000
Holmes, Ohio 113 $ 11,735,000 $ 103,849 $ 63,000
Crawford, Ohio 104 $ 7,870,000 $ 75,673 $ 64,000
Guernsey, Ohio 97 $ 9,315,000 $ 96,030 $ 82,000
Hocking, Ohio 97 $ 14,005,000 $ 144,381 $ 114,000
Greene, Ohio 76 $ 8,860,000 $ 116,578 $ 92,000
Champaign, Ohio 73 $ 6,885,000 $ 94,315 $ 68,000
Tuscarawas, Ohio 72 $ 10,560,000 $ 146,666 $ 82,000
Delaware, Ohio 64 $ 14,210,000 $ 222,031 $ 135,000
Mercer, Ohio 59 $ 8,605,000 $ 145,847 $ 87,000
Spartanburg, South Carolina 56 $ 11,210,000 $ 200,178 $ 141,000
Athens, Ohio 55 $ 6,665,000 $ 121,181 $ 77,000
Montgomery, Ohio 47 $ 6,075,000 $ 129,255 $ 111,000
Wayne, Ohio 47 $ 5,655,000 $ 120,319 $ 80,000
Marion, Ohio 46 $ 5,480,000 $ 119,130 $ 108,000
Brown, Ohio 43 $ 6,795,000 $ 158,023 $ 90,000
Anderson, South Carolina 43 $ 9,025,000 $ 209,883 $ 97,000
Greenville, South Carolina 43 $ 8,875,000 $ 206,395 $ 173,000
Buncombe, North Carolina 34 $ 14,880,000 $ 437,647 $ 413,000
Stark, Ohio 31 $ 4,695,000 $ 151,451 $ 124,000
Warren, Ohio 30 $ 8,370,000 $ 279,000 $ 175,000
Shelby, Ohio 24 $ 3,710,000 $ 154,583 $ 102,000
Pickens, South Carolina 22 $ 5,690,000 $ 258,636 $ 132,000
Madison, Ohio 17 $ 2,685,000 $ 157,941 $ 95,000
Kenton, Kentucky 16 $ 2,980,000 $ 186,250 $ 161,000
Cabarrus, North Carolina 14 $ 4,150,000 $ 296,428 $ 103,000
Allen, Ohio 14 $ 9,760,000 $ 697,142 $ 31,000
Butler, Ohio 14 $ 2,690,000 $ 192,142 $ 115,000
Morgan, Ohio 14 $ 1,380,000 $ 98,571 $ 71,000
Pickaway, Ohio 14 $ 3,950,000 $ 282,142 $ 118,000
Campbell, Kentucky 13 $ 1,825,000 $ 140,384 $ 115,000
Union, North Carolina 12 $ 6,940,000 $ 578,333 $ 247,000
Iredell, North Carolina 11 $ 4,135,000 $ 375,909 $ 232,000
Logan, Ohio 11 $ 2,415,000 $ 219,545 $ 147,000
Noble, Ohio 11 $ 1,865,000 $ 169,545 $ 125,000
Summit, Ohio 11 $ 1,355,000 $ 123,181 $ 92,000
Portage, Ohio 10 $ 1,150,000 $ 115,000 $ 63,000
Union, Ohio 10 $ 1,970,000 $ 197,000 $ 128,000
Huron, Ohio 9 $ 655,000 $ 72,777 $ 58,000
Medina, Ohio 9 $ 1,455,000 $ 161,666 $ 81,000
Charleston, South Carolina 9 $ 7,305,000 $ 811,666 $ 310,000
Auglaize, Ohio 8 $ 800,000 $ 100,000 $ 71,000
Erie, Ohio 8 $ 780,000 $ 97,500 $ 108,000
York, South Carolina 8 $ 2,700,000 $ 337,500 $ 149,000
Henderson, North Carolina 7 $ 2,165,000 $ 309,285 $ 137,000
Clinton, Ohio 7 $ 2,035,000 $ 290,714 $ 64,000
Cuyahoga, Ohio 7 $ 925,000 $ 132,142 $ 123,000
Highland, Ohio 7 $ 1,245,000 $ 177,857 $ 74,000
Lee, Florida 6 $ 1,600,000 $ 266,666 $ 212,000
Brunswick, North Carolina 6 $ 3,310,000 $ 551,666 $ 358,000
Van Wert, Ohio 6 $ 510,000 $ 85,000 $ 57,000
Wood, Ohio 6 $ 1,060,000 $ 176,666 $ 114,000
Gaston, North Carolina 5 $ 1,995,000 $ 399,000 $ 229,000
Carroll, Ohio 5 $ 275,000 $ 55,000 $ 76,000
Jackson, Ohio 5 $ 415,000 $ 83,000 $ 53,000
Meigs, Ohio 5 $ 285,000 $ 57,000 $ 82,000
Oconee, South Carolina 5 $ 1,335,000 $ 267,000 $ 289,000
Collier, Florida 4 $ 1,610,000 $ 402,500 $ 195,000
Manatee, Florida 4 $ 2,410,000 $ 602,500 $ 231,000
Sarasota, Florida 4 $ 600,000 $ 150,000 $ 180,000
Randolph, Indiana 4 $ 160,000 $ 40,000 $ 52,000
Jefferson, Kentucky 4 $ 12,380,000 $ 3,095,000 $ 212,000
Lincoln, North Carolina 4 $ 2,490,000 $ 622,500 $ 205,000
Fayette, Ohio 4 $ 500,000 $ 125,000 $ 72,000
Preble, Ohio 4 $ 390,000 $ 97,500 $ 112,000
Jay, Indiana 3 $ 235,000 $ 78,333 $ 92,000
St. Louis City, Missouri 3 $ 615,000 $ 205,000 $ 504,000
New Hanover, North Carolina 3 $ 425,000 $ 141,666 $ 127,000
Watauga, North Carolina 3 $ 1,005,000 $ 335,000 $ 475,000
Lorain, Ohio 3 $ 295,000 $ 98,333 $ 130,000
Ottawa, Ohio 3 $ 215,000 $ 71,666 $ 141,000
Scioto, Ohio 3 $ 185,000 $ 61,666 $ 43,000
Wyandot, Ohio 3 $ 325,000 $ 108,333 $ 52,000
Beaufort, South Carolina 3 $ 885,000 $ 295,000 $ 115,000
Highlands, Florida 2 $ 160,000 $ 80,000 $ 134,000
Pasco, Florida 2 $ 240,000 $ 120,000 $ 51,000
Pinellas, Florida 2 $ 550,000 $ 275,000 $ 949,000
Volusia, Florida 2 $ 950,000 $ 475,000 $ 1,153,000
Blackford, Indiana 2 $ 320,000 $ 160,000 $ 85,000
Wells, Indiana 2 $ 300,000 $ 150,000 $ 57,000
Boone, Kentucky 2 $ 170,000 $ 85,000 $ 165,000
Roscommon, Michigan 2 $ 170,000 $ 85,000 $ 164,000
Madison, North Carolina 2 $ 750,000 $ 375,000 $ 156,000
Rowan, North Carolina 2 $ 710,000 $ 355,000 $ 160,000
Adams, Ohio 2 $ 280,000 $ 140,000 $ 60,000
Belmont, Ohio 2 $ 140,000 $ 70,000 $ 51,000
Hardin, Ohio 2 $ 40,000 $ 20,000 $ 50,000
Lucas, Ohio 2 $ 220,000 $ 110,000 $ 40,000
Seneca, Ohio 2 $ 30,000 $ 15,000 $ 30,000
Trumbull, Ohio 2 $ 310,000 $ 155,000 $ 102,000
Georgetown, South Carolina 2 $ 880,000 $ 440,000 $ 136,000
Sevier, Tennessee 2 $ 490,000 $ 245,000 $ 0
Maricopa, Arizona 1 $ 245,000 $ 245,000 $ 207,000
Boulder, Colorado 1 $ 175,000 $ 175,000 $ 146,000
Custer, Colorado 1 $ 1,125,000 $ 1,125,000 $ 273,000
Fairfield, Connecticut 1 $ 155,000 $ 155,000 $ 80,000
Bay, Florida 1 $ 235,000 $ 235,000 $ 114,000
Brevard, Florida 1 $ 175,000 $ 175,000 $ 124,000
Broward, Florida 1 $ 155,000 $ 155,000 $ 50,000
Charlotte, Florida 1 $ 165,000 $ 165,000 $ 94,000
Marion, Florida 1 $ 125,000 $ 125,000 $ 62,000
Monroe, Florida 1 $ 205,000 $ 205,000 $ 136,000
Chatham, Georgia 1 $ 155,000 $ 155,000 $ 47,000
Cobb, Georgia 1 $ 225,000 $ 225,000 $ 82,000
Fulton, Georgia 1 $ 405,000 $ 405,000 $ 430,000
Hall, Georgia 1 $ 265,000 $ 265,000 $ 193,000
Cook, Illinois 1 $ 285,000 $ 285,000 $ 92,000
Adams, Indiana 1 $ 225,000 $ 225,000 $ 76,000
Clark, Indiana 1 $ 1,925,000 $ 1,925,000 $ 0
Porter, Indiana 1 $ 125,000 $ 125,000 $ 53,000
Anderson, Kentucky 1 $ 225,000 $ 225,000 $ 70,000
Casey, Kentucky 1 $ 155,000 $ 155,000 $ 190,000
Oldham, Kentucky 1 $ 255,000 $ 255,000 $ 0
Pulaski, Kentucky 1 $ 125,000 $ 125,000 $ 100,000
Waldo, Maine 1 $ 75,000 $ 75,000 $ 0
Queen Anne's, Maryland 1 $ 85,000 $ 85,000 $ 117,000
Plymouth, Massachusetts 1 $ 205,000 $ 205,000 $ 60,000
Branch, Michigan 1 $ 205,000 $ 205,000 $ 152,000
Genesee, Michigan 1 $ 195,000 $ 195,000 $ 145,000
Oceana, Michigan 1 $ 175,000 $ 175,000 $ 194,000
Clark, Nevada 1 $ 165,000 $ 165,000 $ 134,000
Grafton, New Hampshire 1 $ 55,000 $ 55,000 $ 322,000
Ashe, North Carolina 1 $ 75,000 $ 75,000 $ 34,000
Burke, North Carolina 1 $ 505,000 $ 505,000 $ 134,000
Caldwell, North Carolina 1 $ 225,000 $ 225,000 $ 223,000
Catawba, North Carolina 1 $ 1,115,000 $ 1,115,000 $ 267,000
Cumberland, North Carolina 1 $ 55,000 $ 55,000 $ 38,000
Davidson, North Carolina 1 $ 55,000 $ 55,000 $ 29,000
Forsyth, North Carolina 1 $ 75,000 $ 75,000 $ 173,000
Graham, North Carolina 1 $ 585,000 $ 585,000 $ 310,000
Guilford, North Carolina 1 $ 175,000 $ 175,000 $ 50,000
McDowell, North Carolina 1 $ 835,000 $ 835,000 $ 969,000
Onslow, North Carolina 1 $ 395,000 $ 395,000 $ 0
Orange, North Carolina 1 $ 395,000 $ 395,000 $ 407,000
Wake, North Carolina 1 $ 405,000 $ 405,000 $ 201,000
Ashtabula, Ohio 1 $ 65,000 $ 65,000 $ 154,000
Columbiana, Ohio 1 $ 135,000 $ 135,000 $ 82,000
Harrison, Ohio 1 $ 65,000 $ 65,000 $ 58,000
Lawrence, Ohio 1 $ 205,000 $ 205,000 $ 208,000
Mahoning, Ohio 1 $ 115,000 $ 115,000 $ 42,000
Ross, Ohio 1 $ 55,000 $ 55,000 $ 100,000
Vinton, Ohio 1 $ 55,000 $ 55,000 $ 20,000
Cherokee, South Carolina 1 $ 485,000 $ 485,000 $ 152,000
Darlington, South Carolina 1 $ 15,000 $ 15,000 $ 30,000
Horry, South Carolina 1 $ 75,000 $ 75,000 $ 114,000
Laurens, South Carolina 1 $ 85,000 $ 85,000 $ 113,000
Newberry, South Carolina 1 $ 245,000 $ 245,000 $ 121,000
Bledsoe, Tennessee 1 $ 245,000 $ 245,000 $ 129,000
Cumberland, Tennessee 1 $ 135,000 $ 135,000 $ 231,000
Davidson, Tennessee 1 $ 215,000 $ 215,000 $ 0
Hamblen, Tennessee 1 $ 15,000 $ 15,000 $ 73,000
Alexandria, Virginia 1 $ 175,000 $ 175,000 $ 124,000
Highland, Virginia 1 $ 45,000 $ 45,000 $ 38,000
Virginia Beach, Virginia 1 $ 135,000 $ 135,000 $ 51,000
Greenbrier, West Virginia 1 $ 25,000 $ 25,000 $ 0

Mortgage Loan Application Detail Totals for The Park National Bank in 2019

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 2,832 $538,950,000 $190,000 $11,205,000 $101,000 $2,119,000
Refinancing 2,014 $304,310,000 $151,000 $2,005,000 $110,000 $6,673,000
Home Improvement 1,037 $48,445,000 $46,000 $1,005,000 $96,000 $6,673,000
Other Purpose 722 $52,640,000 $72,000 $3,205,000 $106,000 $1,473,000
Cash-out Refinancing 611 $91,735,000 $150,000 $915,000 $83,000 $698,000
Not Applicable 5 $405,000 $81,000 $115,000 $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 6,409 $884,575,000 $138,000 $3,205,000 $102,000 $6,673,000
Not applicable 381 $92,335,000 $242,000 $11,205,000 $0 $0
Not Provided 260 $35,240,000 $135,000 $1,755,000 $103,000 $949,000
Black or African American 83 $9,315,000 $112,000 $555,000 $94,000 $495,000
Hispanic 47 $7,585,000 $161,000 $595,000 $87,000 $341,000
Asian 30 $6,230,000 $207,000 $865,000 $116,000 $545,000
American Indian or Alaskan Native 7 $695,000 $99,000 $265,000 $50,000 $102,000
Native Hawaiian or Other Pacific Islander 1 $205,000 $205,000 $205,000 $539,000 $539,000

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) 7,074 $1,015,680,000 $143,000 $11,205,000 $103,000 $6,673,000
FHA-insured (Federal Housing Administration) 74 $8,610,000 $116,000 $305,000 $53,000 $124,000
VA-guaranteed (Veterans Administration) 47 $8,355,000 $177,000 $415,000 $72,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 26 $3,840,000 $147,000 $375,000 $54,000 $75,000

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 5,293 $762,175,000 $143,000 $11,205,000 $108,000 $6,673,000
Application Denied By Financial Institution 1,156 $144,800,000 $125,000 $6,005,000 $71,000 $1,207,000
Application Withdrawn By Applicant 690 $117,840,000 $170,000 $1,555,000 $111,000 $2,004,000
Application Approved But Not Accepted 75 $11,165,000 $148,000 $1,125,000 $106,000 $540,000
Loan Purchased By The Institution 6 $470,000 $78,000 $115,000 $0 $0
File Closed For Incompleteness 1 $35,000 $35,000 $35,000 $49,000 $49,000
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
Not applicable 6,065 $891,685,000 $147,000 $11,205,000 $108,000 $6,673,000
Debt-To-Income Ratio 494 $53,520,000 $108,000 $1,275,000 $49,000 $240,000
Credit History 346 $28,090,000 $81,000 $775,000 $75,000 $1,100,000
Collateral 141 $20,595,000 $146,000 $2,645,000 $92,000 $914,000
Credit Application Incomplete 109 $21,595,000 $198,000 $1,645,000 $104,000 $1,207,000
Other 48 $12,570,000 $261,000 $1,495,000 $140,000 $976,000
Employment History 8 $560,000 $70,000 $205,000 $61,000 $231,000
Insufficient Cash (Downpayment, Closing Cost) 6 $6,960,000 $1,160,000 $6,005,000 $90,000 $201,000
Unverifiable Information 4 $910,000 $227,000 $705,000 $99,000 $173,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park National Bank's 2019 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.

Download the Ohio Lender List