The Park National Bank mortgage approval rate & lending review
The Park National Bank decided 7,176 mortgage applications and funded 5,827 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Park National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Park National Bank at a glance
Approval is 5.2 points above the 77.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 2,739 / 3,039 | 98% | $205K | 2,698 |
| Home improvement loans | 74% | 1,413 / 1,922 | 98% | $55K | 1,389 |
| Cash-out refinance | 72% | 119 / 166 | 98% | $135K | 117 |
| Refinance | 79% | 1,020 / 1,289 | 98% | $55K | 997 |
| Investment property purchase | 92% | 498 / 541 | 94% | $135K | 469 |
| Investment refinance | 85% | 76 / 89 | 96% | $225K | 73 |
| Investment home improvement | 73% | 81 / 111 | 95% | $125K | 77 |
The Park National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 83% | $135K | 5,990 | 4,870 |
| South Carolina | 81% | $255K | 714 | 568 |
| North Carolina | 88% | $395K | 264 | 225 |
| Kentucky | 76% | $165K | 110 | 83 |
| Florida | 85% | $265K | 47 | 40 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Park National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 93% | 778 | 713 |
| Richland County, OH | Mortgage lenders | 91% | 386 | 345 |
| Licking County, OH | Home improvement loans | 80% | 437 | 343 |
| Licking County, OH | Refinance | 85% | 383 | 315 |
| Licking County, OH | Mortgage lenders | 89% | 347 | 304 |
| Fairfield County, OH | Mortgage lenders | 88% | 255 | 220 |
| Richland County, OH | Home improvement loans | 69% | 277 | 188 |
| Fairfield County, OH | Home improvement loans | 78% | 216 | 165 |
| Fairfield County, OH | Refinance | 78% | 184 | 144 |
| Clermont County, OH | Home improvement loans | 79% | 178 | 137 |
| Anderson County, SC | Mortgage lenders | 87% | 157 | 134 |
| Hamilton County, OH | Mortgage lenders | 89% | 153 | 132 |
The county markets where The Park National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Park National Bank
What is The Park National Bank's mortgage approval rate?
The Park National Bank approved 83.0% of the 7,176 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.2 points above the 77.8% national rate for the same mix of loan types.
How often do borrowers take the loan The Park National Bank offers?
Borrowers accepted 98% of the loans The Park National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Park National Bank make?
The typical home purchase mortgage loan The Park National Bank made was $205K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Park National Bank lend?
The Park National Bank decided applications in 22 of the states Fat Boy Data covers, most of them in Ohio, South Carolina and North Carolina.
Can I apply to The Park National Bank directly?
Yes. The Park National Bank is a bank or credit union with 113 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Park National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Park National Bank treats applications, then get a rate quote from the lender.