# The Park Bank

> **Canonical URL:** https://saferate.com/lenders/the-park-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Park Bank is a bank, headquartered in Madison, WI, serving borrowers across 4 states, with 174 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** YQI2CPR3Z44KAR0HG822
- **Headquarters:** Madison, WI
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, FL, IA, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.066%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $363
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 174
- **Dollar Volume:** $73 million
- **Applications Received:** 216
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $417,069
- **Average Borrower Income:** $238,569
- **Average Property Value:** $627,471

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 171 | -0.095% | $374 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 130 loans, Score: 50/100 (Sound)
- Refinance: 41 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 132 | $56M | -0.036% | Sound ☺️ |
| Refinance | 55/100 | 42 | $16M | -0.154% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 170 | 0.26% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Madison, WI | WI | 151 | 79/100 |
| Non |  | 12 | 26/100 |

## Where This Lender Ranks

The Park Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Madison, WI Banks
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks)
- 🏆 **#6** in Madison, WI
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders)
- 🏆 **#8** in Madison, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Madison, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Wisconsin Banks
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks)
- 🏆 **#16** in Wisconsin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does The Park Bank offer?

The Park Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Park Bank offer mortgages?

The Park Bank offers mortgages in 4 states: AZ, FL, IA, WI.

### How competitive are The Park Bank's mortgage rates?

The Park Bank has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.066% below market average.

### What type of lender is The Park Bank?

The Park Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Madison, WI.

### What is The Park Bank's loan approval success rate?

The Park Bank has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-park-bank

### How to Cite

> "The Park Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-park-bank

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