Purchase Originations
1,220
Ranked #325 nationally
Median Total Costs
$4,581
−31.4% vs national ($6,680)
↑ $331 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,614
Median Lender Credits
$15,000
Cost Rank (500+ vol.)
#155
among lenders with 500+ originations
Denial Rate
8.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,168 | 6.750% | $4,508 | $1,614 |
| fha | 32 | 5.812% | $9,100 | $1,989 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 1,042 | 6.625% | $4,485 | #21 |
| South Carolina | 105 | 6.875% | $5,289 | #114 |
| North Carolina | 38 | 7.125% | $5,088 | — |
| Kentucky | 26 | 6.500% | $4,733 | — |
| Indiana | 5 | 6.625% | $3,219 | — |
| Alabama | 1 | 6.999% | $7,120 | — |
| Florida | 1 | 6.875% | $5,150 | — |
| Maryland | 1 | 7.250% | $8,345 | — |
| West Virginia | 1 | 7.375% | $5,445 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,806 | 6.688% | — | 28 | −$775 | |
| 2 | $3,845 | 6.875% | — | 21 | −$736 | |
| 3 | $3,958 | 6.375% | — | 27 | −$623 | |
| 4 | $3,999 | 6.625% | — | 25 | −$582 | |
| 5 | $4,037 | 6.625% | — | 72 | −$544 | |
| 6 | $4,088 | 6.750% | — | 84 | −$493 | |
| 7 | $4,149 | 6.438% | — | 20 | −$432 | |
| 8 | $4,188 | 6.625% | — | 57 | −$393 | |
| 9 | $4,209 | 6.750% | — | 88 | −$372 | |
| 10 | $4,232 | 6.875% | — | 95 | −$349 | |
| 11 | $4,241 | 6.625% | — | 15 | −$340 | |
| 12 | $4,261 | 6.875% | — | 27 | −$320 | |
| 13 | $4,459 | 7.499% | — | 19 | −$122 | |
| 14 | $4,931 | 6.562% | — | 16 | +$350 | |
| 15 | $4,953 | 6.875% | — | 42 | +$372 | |
| 16 | $5,046 | 6.750% | — | 14 | +$465 | |
| 17 | $5,364 | 6.812% | — | 16 | +$783 | |
| 18 | $5,714 | 6.938% | — | 22 | +$1,133 | |
| 19 | $7,792 | 6.874% | — | 48 | +$3,211 | |
| 20 | $9,918 | 6.625% | — | 255 | +$5,337 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Park National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $4,581 | $7,127 | −$2,546 (−35.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.