The Park National Bank in North Carolina vs the state
11.9%Denial rate-6.13 pts vs state
14.6%Decision denial rate-8.24 pts vs state
67.6%Origination rate+9.80 pts vs state
7.25%Median rate+0.75 pts vs state
0.40Rate spread (pts)+0.31 pts vs state
$176kMedian applicant income
119Loans originated
21Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 104 | 14.1% | 7.25% | #234 |
| 2024 | 137 | 94 | 14.6% | 7.32% | #264 |
| 2025 | 176 | 119 | 11.9% | 7.25% | #244 |
What The Park National Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most The Park National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 65 | 51 | 4 | 6.2% |
| Mecklenburg County | 37 | 25 | 6 | 16.2% |
| Henderson County | 23 | 16 | 3 | 13.0% |
| Lincoln County | 7 | 3 | 1 | 14.3% |
| Durham County | 6 | 2 | 0 | 0.0% |
| Gaston County | 4 | 1 | 0 | 0.0% |
| Iredell County | 4 | 2 | 1 | 25.0% |
| Transylvania County | 4 | 3 | 1 | 25.0% |
| Madison County | 4 | 4 | 0 | 0.0% |
| Cabarrus County | 3 | 3 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 176 applications in 2025, of which 119 were originated and 21 denied.
11.9% of all applications, or 14.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans The Park National Bank originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are The Park National Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology