We analyzed every closed loan from The Park National Bank — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 10 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
The Park National Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+42.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Acceptable
Bottom 40% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,389 | 95.8% | +0.441%Above | $1,310Fees | ||||
FHA Loans | — | — | 11 | 0.8% | +0.126%Above | $1,624Fees | ||
VA Loans | — | — | 11 | 0.8% | -0.555%Below | $2,001Fees | ||
Jumbo Loans | — | 36 | 2.5% | +0.596%Above | $965Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,389
Mix95.8%
Spread
+0.441%Above
Fees
$1,310Fees
FHA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix0.8%
Spread
+0.126%Above
Fees
$1,624Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix0.8%
Spread
-0.555%Below
Fees
$2,001Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume36
Mix2.5%
Spread
+0.596%Above
Fees
$965Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,306 | 90.1% | +0.448%Above | $1,315Fees | ||||
Refinance | 144 | 9.9% | +0.305%Above | $1,325Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,306
Mix90.1%
Spread
+0.448%Above
Fees
$1,315Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume144
Mix9.9%
Spread
+0.305%Above
Fees
$1,325Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,450
Applications
1,967
Volume
$358 million
Pricing & Closing
Avg Rate Spread
+0.429%
vs. market APOR
Avg Net Fees
$1,316
Origination − Credits
Pullthrough Rate
73.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$246,910
Avg Borrower Income
$113,263
Avg Property Value
$334,186
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
15Midwest4
ILINMIOH
South9
ALFLGAKYNCSCTNTXWV
West2
AZNM
Top Metro Areas by Place Specialization Score
Volume 517Mix 35.66% of portfolio
91/100
Exceptional
Volume 144Mix 9.93% of portfolio
88/100
Exceptional
Volume 82Mix 5.66% of portfolio
72/100
Strong
Volume 110Mix 7.59% of portfolio
70/100
Strong
Volume 39Mix 2.69% of portfolio
68/100
Strong
Volume 44Mix 3.03% of portfolio
58/100
Sound
Volume 23Mix 1.59% of portfolio
54/100
Sound
Volume 15Mix 1.03% of portfolio
48/100
Sound
Volume 17Mix 1.17% of portfolio
46/100
Sound
Volume 19Mix 1.31% of portfolio
46/100
SoundTop States by Place Specialization Score
1
OhioState
Volume 1,229Mix 84.76% of portfolio
88/100
Exceptional2
South CarolinaState
Volume 117Mix 8.07% of portfolio
66/100
Strong3
North CarolinaState
Volume 48Mix 3.31% of portfolio
51/100
Sound4
KentuckyState
Volume 23Mix 1.59% of portfolio
47/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.