# The Park National Bank

> **Canonical URL:** https://saferate.com/lenders/the-park-national-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 National Bank is a bank, headquartered in Newark, OH, serving borrowers across 15 states, with 1,450 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CEHN5CVC6INV48
- **Headquarters:** Newark, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, AZ, FL, GA, IL, IN, KY, MI, NC, NM, OH, SC, TN, TX, WV
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.429%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,316
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,450
- **Dollar Volume:** $358 million
- **Applications Received:** 1,967
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $246,910
- **Average Borrower Income:** $113,263

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,389 | +0.441% | $1,310 | Exceptional 🤩 |
| FHA | 35/100 | 11 | +0.126% | $1,624 | Acceptable 🙂 |
| VA | 38/100 | 11 | -0.555% | $2,001 | Acceptable 🙂 |
| Jumbo | 71/100 | 36 | +0.596% | $965 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,247 loans, Score: 82/100 (Exceptional)
- Refinance: 142 loans, Score: 72/100 (Strong)

**Jumbo:**
- Purchase: 34 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 1,306 | $333M | +0.448% | Exceptional 🤩 |
| Refinance | 69/100 | 144 | $25M | +0.305% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 1,229 | 0.91% | 88/100 |
| SC | 117 | 0.15% | 66/100 |
| NC | 48 | 0.03% | 51/100 |
| KY | 23 | 0.05% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 517 | 91/100 |
| Non |  | 386 | 70/100 |
| Mansfield, OH | OH | 144 | 88/100 |
| Cincinnati, OH |  | 110 | 70/100 |
| Greenville | SC | 82 | 72/100 |
| Dayton | OH | 44 | 58/100 |
| Springfield, OH | OH | 39 | 68/100 |
| Spartanburg, SC | SC | 23 | 54/100 |
| Charlotte | NC-SC | 19 | 46/100 |
| Louisville/Jefferson County, KY | KY-IN | 17 | 46/100 |
| Asheville, NC | NC | 15 | 48/100 |

## Frequently Asked Questions

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

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

### Where does The Park National Bank offer mortgages?

The Park National Bank offers mortgages in 15 states: AL, AZ, FL, GA, IL, IN, KY, MI, NC, NM, OH, SC, TN, TX, WV.

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

The Park National Bank has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.429% above market average.

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

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

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

The Park National Bank has a pull-through score of 77/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-park-national-bank

### How to Cite

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

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