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The Park National Bank in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI 549300CEHN5CVC6INV48
Reporting agency Office of the Comptroller of the Currency
State Ohio

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

The Park National Bank's 2024 HMDA record for Ohio covers 4,707 applications, 3,265 of them originated, worth $526m.

Its denial rate in the state was 20.6%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 20.9%.

The median rate spread on its Ohio originations was 0.4 percentage points (state median 0.5).

Applications in the state were about level with 2023.

4,707applications in OH, 202488.1% of the lender's total
3,265loans originated$526m
20.6%denial rateOH all lenders 23.5%
0.4 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersThe Park National Bank, all statesUnited States
Denial rate20.6%23.5%20.9%24.3%
Median rate spread, pp0.40.50.40.3
Originations with spread of 1.5 pp or more10.0%17.7%9.8%15.6%
Average originated loan$161k$218k$183k$329k
Home purchase share43.6%51.7%45.9%57.0%
FHA-insured share0.2%12.3%0.3%13.4%
VA-guaranteed share0.2%5.9%0.3%7.9%

Trend by year

ApplicationsOriginations

02,6485,2962022: 5,296 Applications2023: 4,604 Applications2024: 4,707 Applications2022: 3,762 Originations2023: 3,231 Originations2024: 3,265 Originations202220232024
The Park National Bank in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%12%24%2022: 19.1% This lender in state2023: 19.6% This lender in state2024: 20.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 44% (1,425)Home improvement 25% (831)Refinancing 18% (593)Cash-out refinancing 2% (62)Other purpose 11% (354)

By type

Conventional 100% (3,249)FHA 0% (8)VA 0% (7)USDA 0% (1)

Denial reasons as coded

Debt-to-income ratio48.5%
Credit history29.5%
Collateral10%
Credit application incomplete5.9%
Other4.2%
Employment history1.3%
Insufficient cash (downpayment, closing costs)0.3%
Unverifiable information0.1%
Mortgage insurance denied0.1%

Share of 861 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Franklin County559393$100m17.0%
Licking County517361$62m16.1%
Muskingum County422315$35m17.8%
Richland County435286$34m22.9%
Knox County381261$35m21.4%
Fairfield County313216$27m20.4%
Clark County202135$16m23.8%
Clermont County175133$20m15.1%
Hamilton County151110$30m14.5%
Ashland County147102$13m20.2%
Crawford County13396$9.0m18.5%
Darke County12991$7.8m25.2%
Miami County10573$8.4m24.7%
Coshocton County10868$7.7m28.1%
Morrow County9868$11m23.6%
Perry County8867$7.1m18.3%
Hocking County7745$8.3m34.8%
Guernsey County4841$3.8m12.8%
Delaware County5136$31m14.0%
Holmes County5335$4.3m22.2%
Montgomery County4530$4.7m24.4%
Champaign County4026$2.1m28.9%
Marion County4023$2.5m33.3%
Athens County3123$2.3m23.3%
Greene County3220$2.9m23.1%
Tuscarawas County2920$2.5m—
Mercer County2514$1.8m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did The Park National Bank originate in Ohio in 2024?

3,265 loans totalling $526m, from 4,707 applications reported for properties in Ohio.

What is The Park National Bank's denial rate in Ohio?

20.6% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 20.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Ohio counties does The Park National Bank lend in most?

By originations: Franklin County (393), Licking County (361), Muskingum County (315), Richland County (286), Knox County (261).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.