The Park National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
The Park National Bank 2023 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 | 5,295 |
| Total Mortgage Loan Application Amount | $878,365,000 |
| Average Mortgage Loan Application Amount | $136,800 |
| Highest Mortgage Loan Application Amount | $30,115,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $2,801,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 598 | $ 76,030,000 | $ 127,000 | $ 102,000 |
| Richland County Ohio | 438 | $ 43,470,000 | $ 99,000 | $ 76,000 |
| Muskingum County Ohio | 431 | $ 50,785,000 | $ 117,000 | $ 91,000 |
| Knox County Ohio | 385 | $ 46,955,000 | $ 121,000 | $ 95,000 |
| Franklin County Ohio | 312 | $ 77,310,000 | $ 247,000 | $ 102,000 |
| Fairfield County Ohio | 303 | $ 36,665,000 | $ 121,000 | $ 99,000 |
| Clark County Ohio | 199 | $ 22,525,000 | $ 113,000 | $ 82,000 |
| Ashland County Ohio | 152 | $ 15,400,000 | $ 101,000 | $ 75,000 |
| Clermont County Ohio | 133 | $ 21,645,000 | $ 162,000 | $ 124,000 |
| Miami County Ohio | 126 | $ 13,470,000 | $ 106,000 | $ 97,000 |
| Darke County Ohio | 122 | $ 9,200,000 | $ 75,000 | $ 73,000 |
| Hamilton County Ohio | 122 | $ 32,110,000 | $ 263,000 | $ 131,000 |
| Crawford County Ohio | 116 | $ 9,350,000 | $ 80,000 | $ 72,000 |
| Coshocton County Ohio | 115 | $ 8,745,000 | $ 76,000 | $ 78,000 |
| Anderson County South Carolina | 114 | $ 23,770,000 | $ 208,000 | $ 122,000 |
| Morrow County Ohio | 113 | $ 14,715,000 | $ 130,000 | $ 96,000 |
| Perry County Ohio | 100 | $ 11,100,000 | $ 111,000 | $ 92,000 |
| Spartanburg County South Carolina | 94 | $ 19,010,000 | $ 202,000 | $ 146,000 |
| Hocking County Ohio | 73 | $ 7,635,000 | $ 104,000 | $ 89,000 |
| Guernsey County Ohio | 58 | $ 6,360,000 | $ 109,000 | $ 98,000 |
| Holmes County Ohio | 56 | $ 5,840,000 | $ 104,000 | $ 103,000 |
| Champaign County Ohio | 53 | $ 4,995,000 | $ 94,000 | $ 80,000 |
| Delaware County Ohio | 53 | $ 20,175,000 | $ 380,000 | $ 185,000 |
| Mercer County Ohio | 52 | $ 7,150,000 | $ 137,000 | $ 103,000 |
| Greenville County South Carolina | 52 | $ 13,040,000 | $ 250,000 | $ 143,000 |
| Tuscarawas County Ohio | 45 | $ 5,155,000 | $ 114,000 | $ 75,000 |
| Montgomery County Ohio | 42 | $ 8,040,000 | $ 191,000 | $ 123,000 |
| Buncombe County North Carolina | 41 | $ 20,575,000 | $ 501,000 | $ 309,000 |
| Marion County Ohio | 39 | $ 7,535,000 | $ 193,000 | $ 84,000 |
| Wayne County Ohio | 39 | $ 4,745,000 | $ 121,000 | $ 73,000 |
| Mecklenburg County North Carolina | 36 | $ 24,920,000 | $ 692,000 | $ 353,000 |
| Jefferson County Kentucky | 35 | $ 35,865,000 | $ 1,024,000 | $ 76,000 |
| Pickens County South Carolina | 34 | $ 12,180,000 | $ 358,000 | $ 265,000 |
| Brown County Ohio | 31 | $ 6,175,000 | $ 199,000 | $ 121,000 |
| Greene County Ohio | 31 | $ 4,235,000 | $ 136,000 | $ 126,000 |
| Athens County Ohio | 23 | $ 1,635,000 | $ 71,000 | $ 69,000 |
| Shelby County Ohio | 20 | $ 2,020,000 | $ 101,000 | $ 93,000 |
| Butler County Ohio | 16 | $ 2,350,000 | $ 146,000 | $ 98,000 |
| Union County Ohio | 16 | $ 4,820,000 | $ 301,000 | $ 131,000 |
| Stark County Ohio | 15 | $ 2,735,000 | $ 182,000 | $ 94,000 |
| Kenton County Kentucky | 14 | $ 990,000 | $ 70,000 | $ 169,000 |
| Summit County Ohio | 14 | $ 2,110,000 | $ 150,000 | $ 221,000 |
| Warren County Ohio | 14 | $ 3,660,000 | $ 261,000 | $ 117,000 |
| Oconee County South Carolina | 13 | $ 3,265,000 | $ 251,000 | $ 225,000 |
| Randolph County Indiana | 11 | $ 795,000 | $ 72,000 | $ 76,000 |
| Henderson County North Carolina | 11 | $ 6,285,000 | $ 571,000 | $ 217,000 |
| Huron County Ohio | 11 | $ 1,135,000 | $ 103,000 | $ 99,000 |
| Madison County Ohio | 10 | $ 1,970,000 | $ 197,000 | $ 163,000 |
| Pickaway County Ohio | 10 | $ 1,200,000 | $ 120,000 | $ 157,000 |
| Haywood County North Carolina | 9 | $ 1,615,000 | $ 179,000 | $ 87,000 |
| Charleston County South Carolina | 9 | $ 6,145,000 | $ 682,000 | $ 313,000 |
| York County South Carolina | 9 | $ 3,005,000 | $ 333,000 | $ 162,000 |
| Campbell County Kentucky | 8 | $ 1,230,000 | $ 153,000 | $ 102,000 |
| Iredell County North Carolina | 8 | $ 7,030,000 | $ 878,000 | $ 686,000 |
| Auglaize County Ohio | 8 | $ 990,000 | $ 123,000 | $ 113,000 |
| Clinton County Ohio | 8 | $ 600,000 | $ 75,000 | $ 66,000 |
| Logan County Ohio | 8 | $ 910,000 | $ 113,000 | $ 133,000 |
| Morgan County Ohio | 7 | $ 1,065,000 | $ 152,000 | $ 111,000 |
| Union County North Carolina | 6 | $ 1,550,000 | $ 258,000 | $ 165,000 |
| Cuyahoga County Ohio | 6 | $ 1,400,000 | $ 233,000 | $ 118,000 |
| Noble County Ohio | 6 | $ 380,000 | $ 63,000 | $ 106,000 |
| Yancey County North Carolina | 5 | $ 2,045,000 | $ 409,000 | $ 364,000 |
| Ross County Ohio | 5 | $ 1,635,000 | $ 327,000 | $ 128,000 |
| Horry County South Carolina | 5 | $ 1,045,000 | $ 209,000 | $ 175,000 |
| Maricopa County Arizona | 4 | $ 2,360,000 | $ 590,000 | $ 635,000 |
| Charlotte County Florida | 4 | $ 860,000 | $ 215,000 | $ 154,000 |
| Delaware County Indiana | 4 | $ 350,000 | $ 87,000 | $ 21,000 |
| Jay County Indiana | 4 | $ 390,000 | $ 97,000 | $ 69,000 |
| Watauga County North Carolina | 4 | $ 1,670,000 | $ 417,000 | $ 363,000 |
| Gallia County Ohio | 4 | $ 690,000 | $ 172,000 | $ 68,000 |
| Highland County Ohio | 4 | $ 700,000 | $ 175,000 | $ 79,000 |
| Jackson County Ohio | 4 | $ 690,000 | $ 172,000 | $ 190,000 |
| Ottawa County Ohio | 4 | $ 490,000 | $ 122,000 | $ 190,000 |
| Preble County Ohio | 4 | $ 260,000 | $ 65,000 | $ 69,000 |
| Trumbull County Ohio | 4 | $ 470,000 | $ 117,000 | $ 112,000 |
| Vinton County Ohio | 4 | $ 720,000 | $ 180,000 | $ 136,000 |
| Wyandot County Ohio | 4 | $ 530,000 | $ 132,000 | $ 93,000 |
| Lee County Florida | 3 | $ 705,000 | $ 235,000 | $ 340,000 |
| Manatee County Florida | 3 | $ 1,285,000 | $ 428,000 | $ 176,000 |
| Pinellas County Florida | 3 | $ 1,385,000 | $ 461,000 | $ 258,000 |
| Habersham County Georgia | 3 | $ 1,605,000 | $ 535,000 | $ 124,000 |
| Madison County North Carolina | 3 | $ 745,000 | $ 248,000 | $ 167,000 |
| Columbiana County Ohio | 3 | $ 505,000 | $ 168,000 | $ 58,000 |
| Fayette County Ohio | 3 | $ 85,000 | $ 28,000 | $ 61,000 |
| Washington County Ohio | 3 | $ 495,000 | $ 165,000 | $ 79,000 |
| Citrus County Florida | 2 | $ 540,000 | $ 270,000 | $ 303,000 |
| Collier County Florida | 2 | $ 810,000 | $ 405,000 | $ 261,000 |
| Martin County Florida | 2 | $ 680,000 | $ 340,000 | $ 276,000 |
| Sarasota County Florida | 2 | $ 650,000 | $ 325,000 | $ 277,000 |
| Sumter County Florida | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Fulton County Georgia | 2 | $ 620,000 | $ 310,000 | $ 157,000 |
| Cook County Illinois | 2 | $ 340,000 | $ 170,000 | $ 86,000 |
| Clark County Indiana | 2 | $ 70,000 | $ 35,000 | $ 51,000 |
| Dearborn County Indiana | 2 | $ 390,000 | $ 195,000 | $ 163,000 |
| Hamilton County Indiana | 2 | $ 1,700,000 | $ 850,000 | $ 245,000 |
| Scott County Iowa | 2 | $ 220,000 | $ 110,000 | $ 185,000 |
| Boone County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 76,000 |
| Hardin County Kentucky | 2 | $ 200,000 | $ 100,000 | $ 60,000 |
| Pendleton County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 132,000 |
| Brunswick County North Carolina | 2 | $ 2,620,000 | $ 1,310,000 | $ 429,000 |
| Cabarrus County North Carolina | 2 | $ 380,000 | $ 190,000 | $ 165,000 |
| Gaston County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 32,000 |
| Guilford County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Johnston County North Carolina | 2 | $ 340,000 | $ 170,000 | $ 169,000 |
| Wake County North Carolina | 2 | $ 16,780,000 | $ 8,390,000 | $ 144,000 |
| Allen County Ohio | 2 | $ 690,000 | $ 345,000 | $ 229,000 |
| Belmont County Ohio | 2 | $ 510,000 | $ 255,000 | $ 183,000 |
| Carroll County Ohio | 2 | $ 330,000 | $ 165,000 | $ 92,000 |
| Erie County Ohio | 2 | $ 190,000 | $ 95,000 | $ 112,000 |
| Harrison County Ohio | 2 | $ 450,000 | $ 225,000 | $ 82,000 |
| Jefferson County Ohio | 2 | $ 210,000 | $ 105,000 | $ 104,000 |
| Lorain County Ohio | 2 | $ 110,000 | $ 55,000 | $ 77,000 |
| Lucas County Ohio | 2 | $ 130,000 | $ 65,000 | $ 66,000 |
| Medina County Ohio | 2 | $ 520,000 | $ 260,000 | $ 118,000 |
| Portage County Ohio | 2 | $ 440,000 | $ 220,000 | $ 115,000 |
| Seneca County Ohio | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Van Wert County Ohio | 2 | $ 50,000 | $ 25,000 | $ 58,000 |
| Wood County Ohio | 2 | $ 50,000 | $ 25,000 | $ 67,000 |
| Laurens County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 45,000 |
| Jefferson County Tennessee | 2 | $ 810,000 | $ 405,000 | $ 180,000 |
| Cochise County Arizona | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| New Haven County Connecticut | 1 | $ 505,000 | $ 505,000 | $ 255,000 |
| Bay County Florida | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Broward County Florida | 1 | $ 985,000 | $ 985,000 | $ 1,248,000 |
| Columbia County Florida | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Escambia County Florida | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Hillsborough County Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 428,000 |
| Indian River County Florida | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Lake County Florida | 1 | $ 255,000 | $ 255,000 | $ 196,000 |
| Monroe County Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 619,000 |
| Okaloosa County Florida | 1 | $ 295,000 | $ 295,000 | $ 159,000 |
| Palm Beach County Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Volusia County Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Walton County Florida | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,145,000 |
| Barrow County Georgia | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Bartow County Georgia | 1 | $ 545,000 | $ 545,000 | $ 542,000 |
| Clayton County Georgia | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Cobb County Georgia | 1 | $ 485,000 | $ 485,000 | $ 827,000 |
| DeKalb County Georgia | 1 | $ 275,000 | $ 275,000 | $ 216,000 |
| Franklin County Georgia | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Richmond County Georgia | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Adams County Indiana | 1 | $ 175,000 | $ 175,000 | $ 116,000 |
| Fayette County Indiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Floyd County Indiana | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Grant County Indiana | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Wayne County Indiana | 1 | $ 315,000 | $ 315,000 | $ 147,000 |
| Butler County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Oldham County Kentucky | 1 | $ 345,000 | $ 345,000 | $ 131,000 |
| Pulaski County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 365,000 |
| Shelby County Kentucky | 1 | $ 345,000 | $ 345,000 | $ 124,000 |
| Chippewa County Michigan | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Leelanau County Michigan | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Macomb County Michigan | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Gallatin County Montana | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| Ashe County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 165,000 |
| Catawba County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Cherokee County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Cleveland County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 92,000 |
| Duplin County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 1,000 |
| Graham County North Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| McDowell County North Carolina | 1 | $ 1,305,000 | $ 1,305,000 | $ 820,000 |
| New Hanover County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Northampton County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Polk County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 251,000 |
| Rowan County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Rutherford County North Carolina | 1 | $ 775,000 | $ 775,000 | $ 1,386,000 |
| Stokes County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Adams County Ohio | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Lake County Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Meigs County Ohio | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Sandusky County Ohio | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Scioto County Ohio | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Butler County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Centre County Pennsylvania | 1 | $ 1,035,000 | $ 1,035,000 | $ 91,000 |
| Abbeville County South Carolina | 1 | $ 585,000 | $ 585,000 | $ 214,000 |
| Cherokee County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 49,000 |
| Georgetown County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Orangeburg County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Richland County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 127,000 |
| Sumter County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Union County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Blount County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 196,000 |
| Franklin County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 182,000 |
| Loudon County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 142,000 |
| Sevier County Tennessee | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 239,000 |
| Fairfax County Virginia | 1 | $ 565,000 | $ 565,000 | $ 180,000 |
| Page County Virginia | 1 | $ 385,000 | $ 385,000 | $ 301,000 |
| Boone County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Hancock County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Marion County West Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Monongalia County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ritchie County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Wood County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for The Park National Bank in 2023
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 | 2,073 | $592,685,000 | $285,000 | $30,115,000 | $117,000 | $1,920,000 |
| Home Improvement | 1,501 | $105,355,000 | $70,000 | $2,345,000 | $101,000 | $1,400,000 |
| Refinancing | 956 | $115,350,000 | $120,000 | $2,005,000 | $105,000 | $2,801,000 |
| Other Purpose | 680 | $53,870,000 | $79,000 | $1,005,000 | $100,000 | $1,248,000 |
| Cash-out Refinancing | 85 | $11,105,000 | $130,000 | $475,000 | $77,000 | $413,000 |
| 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 | 4,366 | $614,070,000 | $140,000 | $4,205,000 | $107,000 | $2,801,000 |
| Not applicable | 288 | $150,490,000 | $522,000 | $30,115,000 | $0 | $0 |
| Not Provided | 288 | $56,340,000 | $195,000 | $2,405,000 | $135,000 | $1,224,000 |
| Black or African American | 227 | $33,585,000 | $147,000 | $995,000 | $74,000 | $850,000 |
| Hispanic | 60 | $8,800,000 | $146,000 | $505,000 | $72,000 | $255,000 |
| Asian | 39 | $10,455,000 | $268,000 | $995,000 | $191,000 | $690,000 |
| American Indian or Alaskan Native | 19 | $2,215,000 | $116,000 | $575,000 | $116,000 | $487,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $465,000 | $465,000 | $465,000 | $188,000 | $188,000 |
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) | 5,242 | $865,920,000 | $165,000 | $30,115,000 | $107,000 | $2,801,000 |
| FHA-insured (Federal Housing Administration) | 27 | $5,775,000 | $213,000 | $445,000 | $80,000 | $213,000 |
| VA-guaranteed (Veterans Administration) | 19 | $5,065,000 | $266,000 | $405,000 | $95,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,605,000 | $229,000 | $375,000 | $79,000 | $141,000 |
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 | 3,690 | $619,470,000 | $167,000 | $30,115,000 | $114,000 | $2,801,000 |
| Application Denied By Financial Institution | 928 | $114,970,000 | $123,000 | $16,605,000 | $76,000 | $548,000 |
| Application Withdrawn By Applicant | 589 | $126,365,000 | $214,000 | $8,645,000 | $117,000 | $1,874,000 |
| Application Approved But Not Accepted | 81 | $16,335,000 | $201,000 | $1,755,000 | $109,000 | $943,000 |
| Preapproval Approved but not Accepted | 5 | $965,000 | $193,000 | $305,000 | $85,000 | $132,000 |
| Preapproval Denied by Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $58,000 | $58,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $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 | 4,366 | $763,220,000 | $174,000 | $30,115,000 | $114,000 | $2,801,000 |
| Debt-To-Income Ratio | 443 | $50,675,000 | $114,000 | $2,365,000 | $56,000 | $340,000 |
| Credit History | 282 | $18,940,000 | $67,000 | $635,000 | $81,000 | $347,000 |
| Collateral | 96 | $14,830,000 | $154,000 | $1,175,000 | $107,000 | $491,000 |
| Credit Application Incomplete | 74 | $8,470,000 | $114,000 | $1,005,000 | $130,000 | $548,000 |
| Other | 22 | $20,510,000 | $932,000 | $16,605,000 | $102,000 | $387,000 |
| Employment History | 8 | $1,010,000 | $126,000 | $455,000 | $131,000 | $322,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $365,000 | $121,000 | $155,000 | $65,000 | $66,000 |
| Unverifiable Information | 1 | $345,000 | $345,000 | $345,000 | $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 2023 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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