Magnolia Bank Mortgage Lending & HMDA Data, 2025

In 2025, Magnolia Bank of Hodgenville, KY reported 5,582 mortgage applications totaling $1.7 billion, up 5% from 2024. The average application was for $301,804, and applicants reported an average income of $111,225. 73% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (510), Atlanta-Sandy Springs-Roswell, GA (310) and Gulfport-Biloxi-Pascagoula, MS (176) (applications in parentheses).

Mortgage Company & Address Magnolia Bank
Po Box 188
Hodgenville, KY 42748
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 5,582
Total Mortgage Loan Application Amount $1,684,670,000
Average Mortgage Loan Application Amount $301,804
Highest Mortgage Loan Application Amount $8,575,000
Average Applicant Income $111,225
Highest Applicant Income $4,280,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Magnolia Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 223 $ 56,905,000 $ 255,179 $ 112,000
Carroll, Georgia 109 $ 34,825,000 $ 319,495 $ 124,000
Harrison, Mississippi 100 $ 26,020,000 $ 260,200 $ 131,000
Clark, Indiana 88 $ 23,080,000 $ 262,272 $ 99,000
Horry, South Carolina 68 $ 18,780,000 $ 276,176 $ 123,000
Hardin, Kentucky 64 $ 15,230,000 $ 237,968 $ 183,000
Haralson, Georgia 63 $ 16,425,000 $ 260,714 $ 105,000
Troup, Georgia 63 $ 15,915,000 $ 252,619 $ 97,000
Baldwin, Alabama 56 $ 18,630,000 $ 332,678 $ 132,000
Madison, Georgia 54 $ 14,580,000 $ 270,000 $ 106,000
Floyd, Indiana 52 $ 15,740,000 $ 302,692 $ 117,000
Lowndes, Mississippi 52 $ 11,940,000 $ 229,615 $ 90,000
Jackson, Mississippi 50 $ 13,500,000 $ 270,000 $ 124,000
Florence, South Carolina 50 $ 13,170,000 $ 263,400 $ 107,000
Marshall, Kentucky 40 $ 6,530,000 $ 163,250 $ 73,000
Warren, Kentucky 39 $ 9,845,000 $ 252,435 $ 109,000
Wise, Texas 39 $ 14,355,000 $ 368,076 $ 126,000
Bullitt, Kentucky 35 $ 9,295,000 $ 265,571 $ 99,000
Nelson, Kentucky 35 $ 9,845,000 $ 281,285 $ 114,000
Graves, Kentucky 33 $ 5,375,000 $ 162,878 $ 66,000
Jackson, Georgia 32 $ 10,260,000 $ 320,625 $ 112,000
Maricopa, Arizona 31 $ 12,175,000 $ 392,741 $ 90,000
Elbert, Georgia 31 $ 6,855,000 $ 221,129 $ 90,000
Paulding, Georgia 28 $ 8,500,000 $ 303,571 $ 116,000
Effingham, Georgia 24 $ 8,300,000 $ 345,833 $ 113,000
Hart, Georgia 24 $ 6,190,000 $ 257,916 $ 118,000
Newton, Georgia 24 $ 6,950,000 $ 289,583 $ 124,000
Lee, Mississippi 24 $ 4,300,000 $ 179,166 $ 81,000
San Bernardino, California 23 $ 9,105,000 $ 395,869 $ 105,000
Clark, Nevada 23 $ 8,375,000 $ 364,130 $ 109,000
San Diego, California 22 $ 14,120,000 $ 641,818 $ 149,000
Oglethorpe, Georgia 22 $ 6,110,000 $ 277,727 $ 117,000
Christian, Kentucky 22 $ 5,510,000 $ 250,454 $ 103,000
Richland, South Carolina 22 $ 6,890,000 $ 313,181 $ 136,000
Plymouth, Massachusetts 21 $ 11,715,000 $ 557,857 $ 133,000
Hancock, Mississippi 21 $ 6,245,000 $ 297,380 $ 182,000
Randolph, Alabama 20 $ 4,310,000 $ 215,500 $ 89,000
Riverside, California 20 $ 10,670,000 $ 533,500 $ 179,000
Capitol Planning Region, Connecticut 20 $ 5,090,000 $ 254,500 $ 98,000
Oktibbeha, Mississippi 20 $ 5,090,000 $ 254,500 $ 139,000
Los Angeles, California 19 $ 11,375,000 $ 598,684 $ 140,000
Cook, Illinois 19 $ 6,095,000 $ 320,789 $ 109,000
Harrison, Indiana 19 $ 4,815,000 $ 253,421 $ 83,000
Calloway, Kentucky 19 $ 4,235,000 $ 222,894 $ 73,000
Laurel, Kentucky 19 $ 3,985,000 $ 209,736 $ 78,000
McCracken, Kentucky 19 $ 3,655,000 $ 192,368 $ 90,000
Rankin, Mississippi 19 $ 5,035,000 $ 265,000 $ 104,000
Chambers, Alabama 18 $ 4,360,000 $ 242,222 $ 78,000
Jefferson, Alabama 18 $ 4,370,000 $ 242,777 $ 96,000
Chatham, Georgia 18 $ 6,240,000 $ 346,666 $ 121,000
Douglas, Georgia 18 $ 4,890,000 $ 271,666 $ 89,000
Franklin, Georgia 18 $ 4,690,000 $ 260,555 $ 98,000
Muhlenberg, Kentucky 18 $ 2,590,000 $ 143,888 $ 69,000
Madison, Mississippi 18 $ 7,010,000 $ 389,444 $ 184,000
Berks, Pennsylvania 18 $ 5,460,000 $ 303,333 $ 120,000
Virginia Beach, Virginia 18 $ 7,960,000 $ 442,222 $ 110,000
Shelby, Kentucky 17 $ 5,355,000 $ 315,000 $ 104,000
St. Louis, Missouri 17 $ 4,665,000 $ 274,411 $ 126,000
Mobile, Alabama 16 $ 3,830,000 $ 239,375 $ 96,000
Polk, Georgia 16 $ 3,730,000 $ 233,125 $ 87,000
Daviess, Kentucky 16 $ 5,200,000 $ 325,000 $ 88,000
Edmonson, Kentucky 16 $ 3,450,000 $ 215,625 $ 105,000
Oldham, Kentucky 16 $ 6,770,000 $ 423,125 $ 148,000
Bristol, Massachusetts 16 $ 7,330,000 $ 458,125 $ 119,000
Denton, Texas 16 $ 5,490,000 $ 343,125 $ 140,000
Navarro, Texas 16 $ 4,200,000 $ 262,500 $ 120,000
Shelby, Alabama 15 $ 4,975,000 $ 331,666 $ 118,000
DeKalb, Georgia 15 $ 4,255,000 $ 283,666 $ 85,000
Heard, Georgia 15 $ 4,545,000 $ 303,000 $ 105,000
Worcester, Massachusetts 15 $ 5,615,000 $ 374,333 $ 133,000
Madison, Alabama 14 $ 4,740,000 $ 338,571 $ 121,000
Faulkner, Arkansas 14 $ 3,300,000 $ 235,714 $ 154,000
Kern, California 14 $ 5,070,000 $ 362,142 $ 97,000
Hillsborough, Florida 14 $ 6,110,000 $ 436,428 $ 116,000
Fulton, Georgia 14 $ 5,070,000 $ 362,142 $ 139,000
Fayette, Kentucky 14 $ 12,430,000 $ 887,857 $ 137,000
Larue, Kentucky 14 $ 2,060,000 $ 147,142 $ 82,000
Lamar, Mississippi 14 $ 3,870,000 $ 276,428 $ 111,000
Lauderdale, Mississippi 14 $ 2,370,000 $ 169,285 $ 82,000
Pontotoc, Mississippi 14 $ 2,830,000 $ 202,142 $ 59,000
Cuyahoga, Ohio 14 $ 3,010,000 $ 215,000 $ 134,000
Marion, Tennessee 14 $ 6,250,000 $ 446,428 $ 180,000
Dallas, Texas 14 $ 4,540,000 $ 324,285 $ 180,000
Cleburne, Alabama 13 $ 2,805,000 $ 215,769 $ 80,000
Lee, Alabama 13 $ 4,115,000 $ 316,538 $ 134,000
Greater Bridgeport Planning Region, Connecticut 13 $ 5,045,000 $ 388,076 $ 100,000
Cobb, Georgia 13 $ 4,315,000 $ 331,923 $ 102,000
Coweta, Georgia 13 $ 4,225,000 $ 325,000 $ 116,000
Barren, Kentucky 13 $ 2,865,000 $ 220,384 $ 78,000
Madison, Kentucky 13 $ 3,845,000 $ 295,769 $ 112,000
Trigg, Kentucky 13 $ 2,385,000 $ 183,461 $ 78,000
Whitley, Kentucky 13 $ 2,605,000 $ 200,384 $ 72,000
Saginaw, Michigan 13 $ 1,965,000 $ 151,153 $ 79,000
Lexington, South Carolina 13 $ 3,105,000 $ 238,846 $ 80,000
New Castle, Delaware 12 $ 4,180,000 $ 348,333 $ 85,000
Broward, Florida 12 $ 4,980,000 $ 415,000 $ 293,000
Banks, Georgia 12 $ 4,130,000 $ 344,166 $ 120,000
Gwinnett, Georgia 12 $ 5,040,000 $ 420,000 $ 133,000
Henry, Georgia 12 $ 4,270,000 $ 355,833 $ 109,000
Pulaski, Kentucky 12 $ 2,930,000 $ 244,166 $ 98,000
Prentiss, Mississippi 12 $ 2,040,000 $ 170,000 $ 79,000
Union, Mississippi 12 $ 3,230,000 $ 269,166 $ 106,000
Greenville, South Carolina 12 $ 4,170,000 $ 347,500 $ 74,000
Pima, Arizona 11 $ 3,665,000 $ 333,181 $ 89,000
Pulaski, Arkansas 11 $ 3,125,000 $ 284,090 $ 144,000
Jackson, Florida 11 $ 3,075,000 $ 279,545 $ 105,000
Hall, Georgia 11 $ 4,145,000 $ 376,818 $ 126,000
Jasper, Georgia 11 $ 3,885,000 $ 353,181 $ 107,000
Russell, Kentucky 11 $ 1,675,000 $ 152,272 $ 83,000
Oakland, Michigan 11 $ 4,405,000 $ 400,454 $ 99,000
Dona Ana, New Mexico 11 $ 3,405,000 $ 309,545 $ 117,000
Berkeley, South Carolina 11 $ 3,345,000 $ 304,090 $ 91,000
Sumter, South Carolina 11 $ 2,605,000 $ 236,818 $ 87,000
Salt Lake, Utah 11 $ 5,145,000 $ 467,727 $ 91,000
Chesapeake, Virginia 11 $ 4,415,000 $ 401,363 $ 117,000
El Paso, Colorado 10 $ 3,960,000 $ 396,000 $ 101,000
Duval, Florida 10 $ 3,570,000 $ 357,000 $ 108,000
Washington, Florida 10 $ 2,300,000 $ 230,000 $ 87,000
Habersham, Georgia 10 $ 2,480,000 $ 248,000 $ 95,000
Houston, Georgia 10 $ 3,580,000 $ 358,000 $ 122,000
Meriwether, Georgia 10 $ 2,370,000 $ 237,000 $ 107,000
Jefferson, Indiana 10 $ 2,280,000 $ 228,000 $ 88,000
Hart, Kentucky 10 $ 2,020,000 $ 202,000 $ 89,000
Hopkins, Kentucky 10 $ 2,280,000 $ 228,000 $ 90,000
Knox, Kentucky 10 $ 1,740,000 $ 174,000 $ 62,000
Simpson, Kentucky 10 $ 3,240,000 $ 324,000 $ 138,000
Bernalillo, New Mexico 10 $ 4,090,000 $ 409,000 $ 102,000
Westchester, New York 10 $ 6,940,000 $ 694,000 $ 254,000
Franklin, Ohio 10 $ 3,480,000 $ 348,000 $ 116,000
Spartanburg, South Carolina 10 $ 2,440,000 $ 244,000 $ 91,000
Parker, Texas 10 $ 3,570,000 $ 357,000 $ 115,000
Tarrant, Texas 10 $ 3,790,000 $ 379,000 $ 186,000
Chesterfield, Virginia 10 $ 3,810,000 $ 381,000 $ 117,000
Limestone, Alabama 9 $ 2,775,000 $ 308,333 $ 113,000
Van Buren, Arkansas 9 $ 1,885,000 $ 209,444 $ 89,000
Holmes, Florida 9 $ 2,165,000 $ 240,555 $ 77,000
Palm Beach, Florida 9 $ 9,925,000 $ 1,102,777 $ 400,000
Pasco, Florida 9 $ 2,795,000 $ 310,555 $ 88,000
Pinellas, Florida 9 $ 3,235,000 $ 359,444 $ 83,000
Harris, Georgia 9 $ 2,115,000 $ 235,000 $ 99,000
Walton, Georgia 9 $ 3,095,000 $ 343,888 $ 102,000
Scott, Indiana 9 $ 1,755,000 $ 195,000 $ 72,000
Taylor, Kentucky 9 $ 1,635,000 $ 181,666 $ 70,000
Macomb, Michigan 9 $ 2,725,000 $ 302,777 $ 94,000
DeSoto, Mississippi 9 $ 2,655,000 $ 295,000 $ 134,000
Jefferson, Missouri 9 $ 2,735,000 $ 303,888 $ 102,000
Pinal, Arizona 8 $ 3,410,000 $ 426,250 $ 102,000
Saline, Arkansas 8 $ 2,210,000 $ 276,250 $ 91,000
Escambia, Florida 8 $ 2,830,000 $ 353,750 $ 92,000
Marion, Florida 8 $ 2,340,000 $ 292,500 $ 114,000
Orange, Florida 8 $ 3,500,000 $ 437,500 $ 94,000
Polk, Florida 8 $ 2,470,000 $ 308,750 $ 119,000
Santa Rosa, Florida 8 $ 3,060,000 $ 382,500 $ 111,000
Bryan, Georgia 8 $ 2,440,000 $ 305,000 $ 131,000
Cherokee, Georgia 8 $ 2,770,000 $ 346,250 $ 97,000
Muscogee, Georgia 8 $ 1,910,000 $ 238,750 $ 116,000
Marion, Indiana 8 $ 2,360,000 $ 295,000 $ 139,000
Anderson, Kentucky 8 $ 1,850,000 $ 231,250 $ 95,000
Grayson, Kentucky 8 $ 1,560,000 $ 195,000 $ 85,000
Clay, Mississippi 8 $ 1,480,000 $ 185,000 $ 124,000
George, Mississippi 8 $ 1,810,000 $ 226,250 $ 62,000
Queens, New York 8 $ 5,650,000 $ 706,250 $ 154,000
Columbus, North Carolina 8 $ 2,900,000 $ 362,500 $ 117,000
Hamilton, Tennessee 8 $ 3,570,000 $ 446,250 $ 152,000
Montgomery, Tennessee 8 $ 3,250,000 $ 406,250 $ 108,000
Collin, Texas 8 $ 3,830,000 $ 478,750 $ 299,000
St. Croix, Wisconsin 8 $ 2,690,000 $ 336,250 $ 118,000
Calhoun, Alabama 7 $ 1,335,000 $ 190,714 $ 69,000
Tuscaloosa, Alabama 7 $ 2,235,000 $ 319,285 $ 101,000
Bay, Florida 7 $ 1,645,000 $ 235,000 $ 76,000
Clarke, Georgia 7 $ 1,965,000 $ 280,714 $ 121,000
Oconee, Georgia 7 $ 3,155,000 $ 450,714 $ 209,000
Ada, Idaho 7 $ 3,125,000 $ 446,428 $ 102,000
Orange, Indiana 7 $ 1,585,000 $ 226,428 $ 95,000
Washington, Indiana 7 $ 1,545,000 $ 220,714 $ 82,000
Adair, Kentucky 7 $ 2,065,000 $ 295,000 $ 112,000
Meade, Kentucky 7 $ 2,025,000 $ 289,285 $ 118,000
Wayne, Michigan 7 $ 1,615,000 $ 230,714 $ 84,000
Anoka, Minnesota 7 $ 1,795,000 $ 256,428 $ 114,000
Chickasaw, Mississippi 7 $ 1,085,000 $ 155,000 $ 66,000
Webster, Mississippi 7 $ 1,435,000 $ 205,000 $ 83,000
Franklin, Missouri 7 $ 2,025,000 $ 289,285 $ 90,000
Monmouth, New Jersey 7 $ 2,595,000 $ 370,714 $ 111,000
Sandoval, New Mexico 7 $ 2,365,000 $ 337,857 $ 85,000
Cumberland, North Carolina 7 $ 2,555,000 $ 365,000 $ 120,000
Guilford, North Carolina 7 $ 1,925,000 $ 275,000 $ 87,000
Wake, North Carolina 7 $ 3,075,000 $ 439,285 $ 148,000
Warren, Ohio 7 $ 2,345,000 $ 335,000 $ 94,000
Georgetown, South Carolina 7 $ 1,025,000 $ 146,428 $ 60,000
York, South Carolina 7 $ 2,645,000 $ 377,857 $ 89,000
Harris, Texas 7 $ 2,535,000 $ 362,142 $ 145,000
Newport News, Virginia 7 $ 1,875,000 $ 267,857 $ 82,000
Stafford, Virginia 7 $ 3,355,000 $ 479,285 $ 157,000
Blount, Alabama 6 $ 1,620,000 $ 270,000 $ 102,000
Stanislaus, California 6 $ 2,090,000 $ 348,333 $ 94,000
Naugatuck Valley Planning Region, Connecticut 6 $ 2,150,000 $ 358,333 $ 104,000
Clay, Florida 6 $ 1,420,000 $ 236,666 $ 87,000
Okaloosa, Florida 6 $ 2,310,000 $ 385,000 $ 119,000
Fayette, Georgia 6 $ 1,720,000 $ 286,666 $ 119,000
Liberty, Georgia 6 $ 1,560,000 $ 260,000 $ 69,000
Morgan, Georgia 6 $ 2,030,000 $ 338,333 $ 112,000
Putnam, Georgia 6 $ 1,980,000 $ 330,000 $ 155,000
Kane, Illinois 6 $ 2,300,000 $ 383,333 $ 146,000
St. Clair, Illinois 6 $ 1,890,000 $ 315,000 $ 108,000
Will, Illinois 6 $ 2,940,000 $ 490,000 $ 321,000
Sedgwick, Kansas 6 $ 1,480,000 $ 246,666 $ 81,000
Boyd, Kentucky 6 $ 1,090,000 $ 181,666 $ 121,000
Caldwell, Kentucky 6 $ 790,000 $ 131,666 $ 56,000
Clay, Kentucky 6 $ 860,000 $ 143,333 $ 68,000
Spencer, Kentucky 6 $ 2,420,000 $ 403,333 $ 114,000
St. Tammany, Louisiana 6 $ 1,570,000 $ 261,666 $ 113,000
Forrest, Mississippi 6 $ 1,440,000 $ 240,000 $ 101,000
Itawamba, Mississippi 6 $ 800,000 $ 133,333 $ 70,000
Jones, Mississippi 6 $ 1,180,000 $ 196,666 $ 97,000
St. Louis City, Missouri 6 $ 1,260,000 $ 210,000 $ 118,000
Douglas, Nebraska 6 $ 1,970,000 $ 328,333 $ 120,000
Hillsborough, New Hampshire 6 $ 2,310,000 $ 385,000 $ 124,000
Ocean, New Jersey 6 $ 2,440,000 $ 406,666 $ 117,000
Erie, New York 6 $ 1,770,000 $ 295,000 $ 108,000
Nassau, New York 6 $ 3,720,000 $ 620,000 $ 202,000
Suffolk, New York 6 $ 2,780,000 $ 463,333 $ 178,000
Henderson, North Carolina 6 $ 1,100,000 $ 183,333 $ 102,000
Johnston, North Carolina 6 $ 2,310,000 $ 385,000 $ 119,000
Lorain, Ohio 6 $ 1,580,000 $ 263,333 $ 116,000
Lucas, Ohio 6 $ 1,690,000 $ 281,666 $ 121,000
Oklahoma, Oklahoma 6 $ 1,670,000 $ 278,333 $ 90,000
Allegheny, Pennsylvania 6 $ 1,810,000 $ 301,666 $ 101,000
Delaware, Pennsylvania 6 $ 1,510,000 $ 251,666 $ 80,000
Anderson, South Carolina 6 $ 1,300,000 $ 216,666 $ 113,000
Dorchester, South Carolina 6 $ 2,510,000 $ 418,333 $ 99,000
Knox, Tennessee 6 $ 1,800,000 $ 300,000 $ 83,000
Wilson, Tennessee 6 $ 2,560,000 $ 426,666 $ 159,000
Grayson, Texas 6 $ 2,080,000 $ 346,666 $ 161,000
Johnson, Texas 6 $ 2,250,000 $ 375,000 $ 132,000
Weber, Utah 6 $ 2,290,000 $ 381,666 $ 70,000
Norfolk, Virginia 6 $ 1,780,000 $ 296,666 $ 95,000
Lauderdale, Alabama 5 $ 855,000 $ 171,000 $ 75,000
Pickens, Alabama 5 $ 855,000 $ 171,000 $ 93,000
South Central Connecticut Planning Region, Connecticut 5 $ 1,535,000 $ 307,000 $ 112,000
Kent, Delaware 5 $ 1,915,000 $ 383,000 $ 158,000
Sussex, Delaware 5 $ 1,875,000 $ 375,000 $ 121,000
Hernando, Florida 5 $ 1,445,000 $ 289,000 $ 79,000
St. Lucie, Florida 5 $ 1,965,000 $ 393,000 $ 114,000
Walton, Florida 5 $ 1,525,000 $ 305,000 $ 130,000
Barrow, Georgia 5 $ 1,465,000 $ 293,000 $ 86,000
Clayton, Georgia 5 $ 1,465,000 $ 293,000 $ 98,000
Richmond, Georgia 5 $ 1,765,000 $ 353,000 $ 91,000
Rockdale, Georgia 5 $ 1,325,000 $ 265,000 $ 67,000
Madison, Illinois 5 $ 2,285,000 $ 457,000 $ 107,000
Vermilion, Illinois 5 $ 715,000 $ 143,000 $ 62,000
Hendricks, Indiana 5 $ 2,795,000 $ 559,000 $ 234,000
Franklin, Kentucky 5 $ 895,000 $ 179,000 $ 76,000
Henry, Kentucky 5 $ 1,235,000 $ 247,000 $ 87,000
Jessamine, Kentucky 5 $ 2,125,000 $ 425,000 $ 84,000
Kenton, Kentucky 5 $ 1,365,000 $ 273,000 $ 77,000
Washington, Kentucky 5 $ 785,000 $ 157,000 $ 74,000
Livingston, Louisiana 5 $ 1,205,000 $ 241,000 $ 81,000
Hampden, Massachusetts 5 $ 2,075,000 $ 415,000 $ 141,000
Dakota, Minnesota 5 $ 1,745,000 $ 349,000 $ 129,000
Washington, Minnesota 5 $ 1,195,000 $ 239,000 $ 123,000
Perry, Mississippi 5 $ 755,000 $ 151,000 $ 88,000
Scott, Mississippi 5 $ 955,000 $ 191,000 $ 90,000
Stone, Mississippi 5 $ 1,145,000 $ 229,000 $ 85,000
Tippah, Mississippi 5 $ 605,000 $ 121,000 $ 63,000
Camden, Missouri 5 $ 925,000 $ 185,000 $ 140,000
St. Charles, Missouri 5 $ 1,105,000 $ 221,000 $ 72,000
Nye, Nevada 5 $ 1,765,000 $ 353,000 $ 85,000
Washoe, Nevada 5 $ 2,055,000 $ 411,000 $ 93,000
Burlington, New Jersey 5 $ 1,475,000 $ 295,000 $ 88,000
Essex, New Jersey 5 $ 2,015,000 $ 403,000 $ 226,000
Chautauqua, New York 5 $ 985,000 $ 197,000 $ 72,000
St. Lawrence, New York 5 $ 495,000 $ 99,000 $ 64,000
Alamance, North Carolina 5 $ 1,615,000 $ 323,000 $ 119,000
Buncombe, North Carolina 5 $ 1,715,000 $ 343,000 $ 222,000
Onslow, North Carolina 5 $ 1,415,000 $ 283,000 $ 120,000
Hamilton, Ohio 5 $ 1,085,000 $ 217,000 $ 116,000
Montgomery, Ohio 5 $ 1,435,000 $ 287,000 $ 120,000
Tulsa, Oklahoma 5 $ 1,435,000 $ 287,000 $ 190,000
Erie, Pennsylvania 5 $ 1,085,000 $ 217,000 $ 70,000
Franklin, Pennsylvania 5 $ 1,615,000 $ 323,000 $ 68,000
Monroe, Pennsylvania 5 $ 1,735,000 $ 347,000 $ 165,000
Philadelphia, Pennsylvania 5 $ 1,115,000 $ 223,000 $ 96,000
Providence, Rhode Island 5 $ 2,135,000 $ 427,000 $ 102,000
Aiken, South Carolina 5 $ 1,645,000 $ 329,000 $ 118,000
Darlington, South Carolina 5 $ 1,145,000 $ 229,000 $ 76,000
Marion, South Carolina 5 $ 785,000 $ 157,000 $ 56,000
Davidson, Tennessee 5 $ 2,305,000 $ 461,000 $ 194,000
Hardin, Tennessee 5 $ 1,135,000 $ 227,000 $ 72,000
Lincoln, Tennessee 5 $ 1,625,000 $ 325,000 $ 152,000
Marshall, Tennessee 5 $ 1,035,000 $ 207,000 $ 206,000
Shelby, Tennessee 5 $ 1,495,000 $ 299,000 $ 141,000
Sumner, Tennessee 5 $ 2,305,000 $ 461,000 $ 110,000
Fairfax, Virginia 5 $ 2,775,000 $ 555,000 $ 220,000
Hampton, Virginia 5 $ 1,565,000 $ 313,000 $ 127,000
Suffolk, Virginia 5 $ 1,875,000 $ 375,000 $ 133,000
Berkeley, West Virginia 5 $ 1,295,000 $ 259,000 $ 89,000
Brown, Wisconsin 5 $ 1,625,000 $ 325,000 $ 76,000
Laramie, Wyoming 5 $ 2,125,000 $ 425,000 $ 103,000
Houston, Alabama 4 $ 1,090,000 $ 272,500 $ 92,000
Russell, Alabama 4 $ 1,170,000 $ 292,500 $ 89,000
Yavapai, Arizona 4 $ 1,420,000 $ 355,000 $ 72,000
Benton, Arkansas 4 $ 1,520,000 $ 380,000 $ 75,000
Fresno, California 4 $ 1,360,000 $ 340,000 $ 87,000
Merced, California 4 $ 1,620,000 $ 405,000 $ 121,000
Sacramento, California 4 $ 1,490,000 $ 372,500 $ 93,000
Solano, California 4 $ 1,880,000 $ 470,000 $ 102,000
Sonoma, California 4 $ 2,370,000 $ 592,500 $ 166,000
Denver, Colorado 4 $ 1,940,000 $ 485,000 $ 139,000
Pueblo, Colorado 4 $ 1,220,000 $ 305,000 $ 75,000
Southeastern Connecticut Planning Region, Connecticut 4 $ 1,300,000 $ 325,000 $ 151,000
Western Connecticut Planning Region, Connecticut 4 $ 2,590,000 $ 647,500 $ 143,000
Brevard, Florida 4 $ 1,360,000 $ 340,000 $ 94,000
Lee, Florida 4 $ 1,610,000 $ 402,500 $ 214,000
St. Johns, Florida 4 $ 1,440,000 $ 360,000 $ 134,000
Volusia, Florida 4 $ 1,240,000 $ 310,000 $ 157,000
Bulloch, Georgia 4 $ 1,050,000 $ 262,500 $ 78,000
Butts, Georgia 4 $ 1,370,000 $ 342,500 $ 108,000
Columbia, Georgia 4 $ 1,760,000 $ 440,000 $ 144,000
Floyd, Georgia 4 $ 770,000 $ 192,500 $ 63,000
Forsyth, Georgia 4 $ 1,950,000 $ 487,500 $ 121,000
Lumpkin, Georgia 4 $ 1,150,000 $ 287,500 $ 118,000
Monroe, Georgia 4 $ 1,070,000 $ 267,500 $ 116,000
Pike, Georgia 4 $ 1,600,000 $ 400,000 $ 140,000
Spalding, Georgia 4 $ 1,750,000 $ 437,500 $ 123,000
Stephens, Georgia 4 $ 1,390,000 $ 347,500 $ 92,000
DuPage, Illinois 4 $ 1,200,000 $ 300,000 $ 113,000
Allen, Indiana 4 $ 1,280,000 $ 320,000 $ 132,000
Hamilton, Indiana 4 $ 1,510,000 $ 377,500 $ 121,000
Vanderburgh, Indiana 4 $ 850,000 $ 212,500 $ 90,000
Breckinridge, Kentucky 4 $ 890,000 $ 222,500 $ 82,000
Carroll, Kentucky 4 $ 820,000 $ 205,000 $ 81,000
Greenup, Kentucky 4 $ 550,000 $ 137,500 $ 63,000
Logan, Kentucky 4 $ 1,370,000 $ 342,500 $ 256,000
Marion, Kentucky 4 $ 1,120,000 $ 280,000 $ 138,000
Metcalfe, Kentucky 4 $ 650,000 $ 162,500 $ 74,000
Caddo, Louisiana 4 $ 1,160,000 $ 290,000 $ 103,000
Rapides, Louisiana 4 $ 1,230,000 $ 307,500 $ 129,000
Essex, Massachusetts 4 $ 1,670,000 $ 417,500 $ 98,000
Middlesex, Massachusetts 4 $ 1,440,000 $ 360,000 $ 119,000
Ingham, Michigan 4 $ 960,000 $ 240,000 $ 81,000
Wright, Minnesota 4 $ 1,340,000 $ 335,000 $ 88,000
Benton, Mississippi 4 $ 450,000 $ 112,500 $ 101,000
Bolivar, Mississippi 4 $ 800,000 $ 200,000 $ 71,000
Hinds, Mississippi 4 $ 900,000 $ 225,000 $ 91,000
Marshall, Mississippi 4 $ 980,000 $ 245,000 $ 86,000
Monroe, Mississippi 4 $ 760,000 $ 190,000 $ 86,000
Pearl River, Mississippi 4 $ 1,150,000 $ 287,500 $ 97,000
Jackson, Missouri 4 $ 790,000 $ 197,500 $ 47,000
Sarpy, Nebraska 4 $ 1,390,000 $ 347,500 $ 122,000
Cape May, New Jersey 4 $ 1,850,000 $ 462,500 $ 235,000
Gloucester, New Jersey 4 $ 1,690,000 $ 422,500 $ 121,000
Morris, New Jersey 4 $ 1,770,000 $ 442,500 $ 180,000
Broome, New York 4 $ 600,000 $ 150,000 $ 52,000
Niagara, New York 4 $ 920,000 $ 230,000 $ 100,000
Oswego, New York 4 $ 650,000 $ 162,500 $ 66,000
Washington, New York 4 $ 1,070,000 $ 267,500 $ 98,000
Brunswick, North Carolina 4 $ 1,630,000 $ 407,500 $ 91,000
Mecklenburg, North Carolina 4 $ 1,770,000 $ 442,500 $ 139,000
Lake, Ohio 4 $ 1,200,000 $ 300,000 $ 113,000
Canadian, Oklahoma 4 $ 1,300,000 $ 325,000 $ 104,000
Cleveland, Oklahoma 4 $ 1,060,000 $ 265,000 $ 85,000
Lane, Oregon 4 $ 1,460,000 $ 365,000 $ 87,000
Bucks, Pennsylvania 4 $ 1,370,000 $ 342,500 $ 80,000
Lancaster, Pennsylvania 4 $ 1,370,000 $ 342,500 $ 97,000
Greenwood, South Carolina 4 $ 2,640,000 $ 660,000 $ 144,000
Williamsburg, South Carolina 4 $ 1,130,000 $ 282,500 $ 124,000
Kaufman, Texas 4 $ 1,290,000 $ 322,500 $ 81,000
Davis, Utah 4 $ 1,600,000 $ 400,000 $ 95,000
Tooele, Utah 4 $ 1,470,000 $ 367,500 $ 80,000
Washington, Utah 4 $ 1,910,000 $ 477,500 $ 139,000
Portsmouth, Virginia 4 $ 1,170,000 $ 292,500 $ 91,000
Spotsylvania, Virginia 4 $ 2,420,000 $ 605,000 $ 145,000
Monongalia, West Virginia 4 $ 1,420,000 $ 355,000 $ 77,000
Putnam, West Virginia 4 $ 1,380,000 $ 345,000 $ 85,000
Racine, Wisconsin 4 $ 1,110,000 $ 277,500 $ 104,000
Colbert, Alabama 3 $ 1,195,000 $ 398,333 $ 156,000
Lamar, Alabama 3 $ 645,000 $ 215,000 $ 83,000
Marshall, Alabama 3 $ 755,000 $ 251,666 $ 59,000
Montgomery, Alabama 3 $ 955,000 $ 318,333 $ 107,000
St. Clair, Alabama 3 $ 765,000 $ 255,000 $ 60,000
Cochise, Arizona 3 $ 815,000 $ 271,666 $ 104,000
Cleburne, Arkansas 3 $ 415,000 $ 138,333 $ 73,000
Garland, Arkansas 3 $ 805,000 $ 268,333 $ 83,000
Grant, Arkansas 3 $ 885,000 $ 295,000 $ 92,000
Marion, Arkansas 3 $ 345,000 $ 115,000 $ 63,000
Sebastian, Arkansas 3 $ 815,000 $ 271,666 $ 99,000
Tulare, California 3 $ 1,335,000 $ 445,000 $ 100,000
Adams, Colorado 3 $ 1,295,000 $ 431,666 $ 123,000
Arapahoe, Colorado 3 $ 1,285,000 $ 428,333 $ 80,000
Jefferson, Colorado 3 $ 1,135,000 $ 378,333 $ 107,000
Weld, Colorado 3 $ 1,055,000 $ 351,666 $ 76,000
Indian River, Florida 3 $ 1,315,000 $ 438,333 $ 164,000
Lake, Florida 3 $ 795,000 $ 265,000 $ 52,000
Manatee, Florida 3 $ 1,395,000 $ 465,000 $ 158,000
Miami-Dade, Florida 3 $ 1,185,000 $ 395,000 $ 59,000
Bartow, Georgia 3 $ 1,165,000 $ 388,333 $ 122,000
Bibb, Georgia 3 $ 755,000 $ 251,666 $ 57,000
Cook, Georgia 3 $ 895,000 $ 298,333 $ 85,000
Laurens, Georgia 3 $ 785,000 $ 261,666 $ 71,000
Upson, Georgia 3 $ 1,445,000 $ 481,666 $ 186,000
Hawaii, Hawaii 3 $ 955,000 $ 318,333 $ 97,000
McHenry, Illinois 3 $ 855,000 $ 285,000 $ 87,000
Gibson, Indiana 3 $ 475,000 $ 158,333 $ 54,000
Madison, Indiana 3 $ 555,000 $ 185,000 $ 64,000
Warrick, Indiana 3 $ 705,000 $ 235,000 $ 128,000
Polk, Iowa 3 $ 1,105,000 $ 368,333 $ 153,000
Bath, Kentucky 3 $ 535,000 $ 178,333 $ 373,000
Clark, Kentucky 3 $ 745,000 $ 248,333 $ 87,000
Henderson, Kentucky 3 $ 395,000 $ 131,666 $ 82,000
Ohio, Kentucky 3 $ 395,000 $ 131,666 $ 42,000
Todd, Kentucky 3 $ 675,000 $ 225,000 $ 70,000
Trimble, Kentucky 3 $ 1,065,000 $ 355,000 $ 113,000
East Baton Rouge, Louisiana 3 $ 735,000 $ 245,000 $ 82,000
St. Martin, Louisiana 3 $ 1,805,000 $ 601,666 $ 202,000
Norfolk, Massachusetts 3 $ 1,535,000 $ 511,666 $ 155,000
Suffolk, Massachusetts 3 $ 2,505,000 $ 835,000 $ 302,000
Muskegon, Michigan 3 $ 735,000 $ 245,000 $ 91,000
Scott, Minnesota 3 $ 1,105,000 $ 368,333 $ 72,000
Lafayette, Mississippi 3 $ 1,045,000 $ 348,333 $ 105,000
Leake, Mississippi 3 $ 845,000 $ 281,666 $ 95,000
Adair, Missouri 3 $ 735,000 $ 245,000 $ 71,000
Clay, Missouri 3 $ 875,000 $ 291,666 $ 278,000
Johnson, Missouri 3 $ 875,000 $ 291,666 $ 102,000
St. Francois, Missouri 3 $ 1,005,000 $ 335,000 $ 112,000
Warren, Missouri 3 $ 1,035,000 $ 345,000 $ 199,000
Gallatin, Montana 3 $ 1,915,000 $ 638,333 $ 136,000
Merrimack, New Hampshire 3 $ 715,000 $ 238,333 $ 103,000
Rockingham, New Hampshire 3 $ 1,145,000 $ 381,666 $ 142,000
Bergen, New Jersey 3 $ 1,625,000 $ 541,666 $ 172,000
Cumberland, New Jersey 3 $ 805,000 $ 268,333 $ 56,000
Mercer, New Jersey 3 $ 785,000 $ 261,666 $ 75,000
Middlesex, New Jersey 3 $ 1,495,000 $ 498,333 $ 116,000
Santa Fe, New Mexico 3 $ 655,000 $ 218,333 $ 66,000
Valencia, New Mexico 3 $ 905,000 $ 301,666 $ 91,000
Bronx, New York 3 $ 1,735,000 $ 578,333 $ 173,000
Cattaraugus, New York 3 $ 505,000 $ 168,333 $ 85,000
Cortland, New York 3 $ 705,000 $ 235,000 $ 123,000
Kings, New York 3 $ 1,765,000 $ 588,333 $ 152,000
Monroe, New York 3 $ 675,000 $ 225,000 $ 101,000
Orange, New York 3 $ 945,000 $ 315,000 $ 113,000
Rockland, New York 3 $ 695,000 $ 231,666 $ 92,000
Sullivan, New York 3 $ 605,000 $ 201,666 $ 106,000
Tioga, New York 3 $ 405,000 $ 135,000 $ 52,000
Craven, North Carolina 3 $ 715,000 $ 238,333 $ 68,000
Franklin, North Carolina 3 $ 705,000 $ 235,000 $ 91,000
Lincoln, North Carolina 3 $ 795,000 $ 265,000 $ 138,000
Union, North Carolina 3 $ 1,175,000 $ 391,666 $ 106,000
Wilson, North Carolina 3 $ 825,000 $ 275,000 $ 137,000
Brown, Ohio 3 $ 655,000 $ 218,333 $ 66,000
Butler, Ohio 3 $ 1,175,000 $ 391,666 $ 118,000
Medina, Ohio 3 $ 935,000 $ 311,666 $ 85,000
Summit, Ohio 3 $ 755,000 $ 251,666 $ 61,000
Caddo, Oklahoma 3 $ 475,000 $ 158,333 $ 46,000
Creek, Oklahoma 3 $ 875,000 $ 291,666 $ 100,000
Clackamas, Oregon 3 $ 1,755,000 $ 585,000 $ 131,000
Multnomah, Oregon 3 $ 1,175,000 $ 391,666 $ 69,000
Adams, Pennsylvania 3 $ 985,000 $ 328,333 $ 61,000
Chester, Pennsylvania 3 $ 805,000 $ 268,333 $ 50,000
Kent, Rhode Island 3 $ 1,125,000 $ 375,000 $ 81,000
Beaufort, South Carolina 3 $ 1,705,000 $ 568,333 $ 155,000
Charleston, South Carolina 3 $ 1,585,000 $ 528,333 $ 84,000
Clarendon, South Carolina 3 $ 545,000 $ 181,666 $ 99,000
Orangeburg, South Carolina 3 $ 1,015,000 $ 338,333 $ 86,000
Blount, Tennessee 3 $ 1,045,000 $ 348,333 $ 54,000
Coffee, Tennessee 3 $ 1,205,000 $ 401,666 $ 112,000
Franklin, Tennessee 3 $ 935,000 $ 311,666 $ 90,000
McNairy, Tennessee 3 $ 455,000 $ 151,666 $ 68,000
Rutherford, Tennessee 3 $ 805,000 $ 268,333 $ 89,000
Washington, Tennessee 3 $ 1,085,000 $ 361,666 $ 100,000
Williamson, Tennessee 3 $ 2,645,000 $ 881,666 $ 161,000
Ellis, Texas 3 $ 1,095,000 $ 365,000 $ 235,000
Fort Bend, Texas 3 $ 1,505,000 $ 501,666 $ 239,000
Hays, Texas 3 $ 925,000 $ 308,333 $ 63,000
Leon, Texas 3 $ 555,000 $ 185,000 $ 122,000
Montague, Texas 3 $ 1,145,000 $ 381,666 $ 105,000
Montgomery, Texas 3 $ 805,000 $ 268,333 $ 138,000
Wharton, Texas 3 $ 515,000 $ 171,666 $ 73,000
Box Elder, Utah 3 $ 1,405,000 $ 468,333 $ 116,000
Prince George, Virginia 3 $ 1,455,000 $ 485,000 $ 167,000
Prince William, Virginia 3 $ 1,835,000 $ 611,666 $ 164,000
Pierce, Washington 3 $ 1,545,000 $ 515,000 $ 156,000
Kanawha, West Virginia 3 $ 515,000 $ 171,666 $ 70,000
Dane, Wisconsin 3 $ 945,000 $ 315,000 $ 65,000
Fond du Lac, Wisconsin 3 $ 775,000 $ 258,333 $ 71,000
Milwaukee, Wisconsin 3 $ 635,000 $ 211,666 $ 46,000
Oneida, Wisconsin 3 $ 705,000 $ 235,000 $ 94,000
Waukesha, Wisconsin 3 $ 1,155,000 $ 385,000 $ 85,000
Uinta, Wyoming 3 $ 945,000 $ 315,000 $ 87,000
Clay, Alabama 2 $ 610,000 $ 305,000 $ 124,000
Fayette, Alabama 2 $ 260,000 $ 130,000 $ 51,000
Henry, Alabama 2 $ 350,000 $ 175,000 $ 67,000
Lawrence, Alabama 2 $ 500,000 $ 250,000 $ 149,000
Macon, Alabama 2 $ 400,000 $ 200,000 $ 73,000
Morgan, Alabama 2 $ 290,000 $ 145,000 $ 104,000
Talladega, Alabama 2 $ 450,000 $ 225,000 $ 63,000
Matanuska-Susitna, Alaska 2 $ 920,000 $ 460,000 $ 112,000
Coconino, Arizona 2 $ 890,000 $ 445,000 $ 109,000
Gila, Arizona 2 $ 810,000 $ 405,000 $ 116,000
Navajo, Arizona 2 $ 860,000 $ 430,000 $ 225,000
Santa Cruz, Arizona 2 $ 980,000 $ 490,000 $ 118,000
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Mortgage Loan Application Detail Totals for Magnolia Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 3,233 $892,135,000 $275,000 $8,575,000 $112,000 $4,280,000
Cash-out Refinancing 1,834 $639,300,000 $348,000 $1,545,000 $105,000 $1,290,000
Refinancing 356 $114,860,000 $322,000 $2,475,000 $131,000 $974,000
Other Purpose 94 $24,200,000 $257,000 $1,205,000 $123,000 $763,000
Home Improvement 65 $14,175,000 $218,000 $805,000 $123,000 $1,285,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 3,883 $1,113,355,000 $286,000 $1,785,000 $109,000 $2,986,000
Black or African American 721 $237,935,000 $330,000 $975,000 $108,000 $980,000
Not Provided 433 $135,795,000 $313,000 $955,000 $114,000 $672,000
Hispanic 351 $126,475,000 $360,000 $2,475,000 $122,000 $1,290,000
Asian 113 $38,775,000 $343,000 $955,000 $177,000 $4,280,000
American Indian or Alaskan Native 39 $11,225,000 $287,000 $625,000 $87,000 $194,000
Not applicable 33 $17,735,000 $537,000 $8,575,000 $0 $0
Native Hawaiian or Other Pacific Islander 9 $3,375,000 $375,000 $635,000 $113,000 $179,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,950 $563,040,000 $288,000 $8,575,000 $136,000 $4,280,000
VA-guaranteed (Veterans Administration) 1,888 $686,830,000 $363,000 $1,635,000 $107,000 $1,129,000
FHA-insured (Federal Housing Administration) 1,321 $352,425,000 $266,000 $1,015,000 $93,000 $523,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 423 $82,375,000 $194,000 $405,000 $72,000 $131,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,097 $1,209,645,000 $295,000 $8,575,000 $112,000 $4,280,000
Application Withdrawn By Applicant 856 $263,590,000 $307,000 $2,425,000 $109,000 $1,129,000
Application Denied By Financial Institution 476 $155,700,000 $327,000 $1,355,000 $98,000 $2,986,000
File Closed For Incompleteness 105 $40,035,000 $381,000 $2,475,000 $138,000 $1,290,000
Application Approved But Not Accepted 41 $13,985,000 $341,000 $1,785,000 $107,000 $219,000
Loan Purchased By The Institution 7 $1,715,000 $245,000 $365,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 5,106 $1,528,970,000 $299,000 $8,575,000 $112,000 $4,280,000
Debt-To-Income Ratio 195 $66,795,000 $342,000 $965,000 $75,000 $242,000
Collateral 106 $31,470,000 $296,000 $1,355,000 $127,000 $2,986,000
Credit History 96 $31,200,000 $325,000 $905,000 $101,000 $284,000
Other 53 $16,415,000 $309,000 $1,015,000 $114,000 $265,000
Unverifiable Information 19 $7,905,000 $416,000 $885,000 $127,000 $314,000
Employment History 6 $1,350,000 $225,000 $535,000 $102,000 $314,000
Insufficient Cash (Downpayment, Closing Cost) 1 $565,000 $565,000 $565,000 $139,000 $139,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Magnolia Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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