Magnolia Bank, Incorporated
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Magnolia Bank, Incorporated 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Magnolia Bank, Incorporated 794 Old Elizabethtown Rd Magnolia, KY 42748 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,969 |
| Total Mortgage Loan Application Amount | $297,729,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $1,402,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,793,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Magnolia Bank, Incorporated. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Magnolia Bank, Incorporated's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Magnolia Bank, Incorporated's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Magnolia Bank, Incorporated serves its applicants.
Each category highlights the total number of mortgage applications processed by Magnolia Bank, Incorporated, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Magnolia Bank, Incorporated's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren County Kentucky | 189 | $ 25,438,000 | $ 134,000 | $ 68,000 |
| Jefferson County Kentucky | 182 | $ 32,233,000 | $ 177,000 | $ 105,000 |
| Nelson County Kentucky | 112 | $ 14,548,000 | $ 129,000 | $ 67,000 |
| Lexington County South Carolina | 85 | $ 13,137,000 | $ 154,000 | $ 77,000 |
| Hardin County Kentucky | 81 | $ 13,321,000 | $ 164,000 | $ 93,000 |
| Boyle County Kentucky | 73 | $ 10,192,000 | $ 139,000 | $ 72,000 |
| Richland County South Carolina | 59 | $ 10,695,000 | $ 181,000 | $ 93,000 |
| Larue County Kentucky | 55 | $ 5,316,000 | $ 96,000 | $ 76,000 |
| Greenville County South Carolina | 49 | $ 9,635,000 | $ 196,000 | $ 102,000 |
| Kershaw County South Carolina | 49 | $ 8,540,000 | $ 174,000 | $ 82,000 |
| Mercer County Kentucky | 38 | $ 4,628,000 | $ 121,000 | $ 72,000 |
| Daviess County Kentucky | 35 | $ 5,310,000 | $ 151,000 | $ 79,000 |
| Lincoln County Kentucky | 33 | $ 4,159,000 | $ 126,000 | $ 71,000 |
| Pickens County South Carolina | 28 | $ 4,302,000 | $ 153,000 | $ 73,000 |
| Adair County Kentucky | 27 | $ 3,175,000 | $ 117,000 | $ 66,000 |
| Allen County Kentucky | 27 | $ 2,916,000 | $ 108,000 | $ 59,000 |
| Boone County Kentucky | 26 | $ 4,551,000 | $ 175,000 | $ 83,000 |
| Fayette County Kentucky | 25 | $ 4,291,000 | $ 171,000 | $ 62,000 |
| McCracken County Kentucky | 25 | $ 3,792,000 | $ 151,000 | $ 106,000 |
| Taylor County Kentucky | 24 | $ 2,619,000 | $ 109,000 | $ 44,000 |
| Trigg County Kentucky | 24 | $ 3,397,000 | $ 141,000 | $ 76,000 |
| Bullitt County Kentucky | 23 | $ 3,841,000 | $ 167,000 | $ 64,000 |
| Butler County Kentucky | 23 | $ 2,132,000 | $ 92,000 | $ 59,000 |
| Graves County Kentucky | 23 | $ 2,943,000 | $ 127,000 | $ 73,000 |
| Harnett County North Carolina | 23 | $ 3,216,000 | $ 139,000 | $ 65,000 |
| Simpson County Kentucky | 22 | $ 2,358,000 | $ 107,000 | $ 54,000 |
| Robeson County North Carolina | 20 | $ 3,898,000 | $ 194,000 | $ 103,000 |
| Calloway County Kentucky | 19 | $ 3,381,000 | $ 177,000 | $ 131,000 |
| Newberry County South Carolina | 19 | $ 2,418,000 | $ 127,000 | $ 64,000 |
| Edmonson County Kentucky | 16 | $ 2,106,000 | $ 131,000 | $ 77,000 |
| Kenton County Kentucky | 16 | $ 2,608,000 | $ 163,000 | $ 92,000 |
| Hart County Kentucky | 15 | $ 746,000 | $ 49,000 | $ 62,000 |
| Oldham County Kentucky | 15 | $ 3,592,000 | $ 239,000 | $ 135,000 |
| Russell County Kentucky | 13 | $ 1,929,000 | $ 148,000 | $ 90,000 |
| Colleton County South Carolina | 13 | $ 1,835,000 | $ 141,000 | $ 76,000 |
| Clark County Indiana | 12 | $ 1,688,000 | $ 140,000 | $ 64,000 |
| Ohio County Kentucky | 12 | $ 1,133,000 | $ 94,000 | $ 140,000 |
| Pulaski County Kentucky | 12 | $ 2,239,000 | $ 186,000 | $ 76,000 |
| Harris County Georgia | 11 | $ 1,557,000 | $ 141,000 | $ 62,000 |
| Jessamine County Kentucky | 11 | $ 1,836,000 | $ 166,000 | $ 64,000 |
| Johnston County North Carolina | 11 | $ 1,604,000 | $ 145,000 | $ 97,000 |
| Barren County Kentucky | 10 | $ 1,282,000 | $ 128,000 | $ 119,000 |
| Lincoln County North Carolina | 10 | $ 1,658,000 | $ 165,000 | $ 64,000 |
| Horry County South Carolina | 10 | $ 1,275,000 | $ 127,000 | $ 45,000 |
| Floyd County Indiana | 8 | $ 1,170,000 | $ 146,000 | $ 73,000 |
| Grayson County Kentucky | 8 | $ 752,000 | $ 94,000 | $ 61,000 |
| Anderson County South Carolina | 8 | $ 809,000 | $ 101,000 | $ 48,000 |
| Marshall County Kentucky | 7 | $ 1,417,000 | $ 202,000 | $ 114,000 |
| Scott County Kentucky | 7 | $ 1,406,000 | $ 200,000 | $ 82,000 |
| Shelby County Kentucky | 7 | $ 1,177,000 | $ 168,000 | $ 65,000 |
| Wilkes County North Carolina | 7 | $ 1,008,000 | $ 144,000 | $ 52,000 |
| Beaufort County South Carolina | 7 | $ 1,484,000 | $ 212,000 | $ 96,000 |
| Virginia Beach County Virginia | 7 | $ 1,339,000 | $ 191,000 | $ 63,000 |
| Vanderburgh County Indiana | 6 | $ 849,000 | $ 141,000 | $ 71,000 |
| Garrard County Kentucky | 6 | $ 842,000 | $ 140,000 | $ 78,000 |
| Logan County Kentucky | 6 | $ 702,000 | $ 117,000 | $ 112,000 |
| Spartanburg County South Carolina | 6 | $ 1,232,000 | $ 205,000 | $ 70,000 |
| Madison County Kentucky | 5 | $ 747,000 | $ 149,000 | $ 69,000 |
| Meade County Kentucky | 5 | $ 597,000 | $ 119,000 | $ 103,000 |
| Dare County North Carolina | 5 | $ 1,111,000 | $ 222,000 | $ 143,000 |
| Charleston County South Carolina | 5 | $ 870,000 | $ 174,000 | $ 173,000 |
| Dorchester County South Carolina | 5 | $ 726,000 | $ 145,000 | $ 81,000 |
| Hamilton County Indiana | 4 | $ 875,000 | $ 218,000 | $ 43,000 |
| Anderson County Kentucky | 4 | $ 628,000 | $ 157,000 | $ 109,000 |
| Breckinridge County Kentucky | 4 | $ 380,000 | $ 95,000 | $ 124,000 |
| Campbell County Kentucky | 4 | $ 716,000 | $ 179,000 | $ 94,000 |
| Crittenden County Kentucky | 4 | $ 437,000 | $ 109,000 | $ 42,000 |
| Knox County Kentucky | 4 | $ 668,000 | $ 167,000 | $ 71,000 |
| Laurel County Kentucky | 4 | $ 746,000 | $ 186,000 | $ 75,000 |
| Pendleton County Kentucky | 4 | $ 411,000 | $ 102,000 | $ 62,000 |
| Caldwell County North Carolina | 4 | $ 625,000 | $ 156,000 | $ 74,000 |
| Sampson County North Carolina | 4 | $ 709,000 | $ 177,000 | $ 93,000 |
| Chesapeake County Virginia | 4 | $ 1,104,000 | $ 276,000 | $ 98,000 |
| Spotsylvania County Virginia | 4 | $ 853,000 | $ 213,000 | $ 156,000 |
| Jackson County Florida | 3 | $ 553,000 | $ 184,000 | $ 57,000 |
| Washington County Florida | 3 | $ 614,000 | $ 204,000 | $ 91,000 |
| Decatur County Georgia | 3 | $ 455,000 | $ 151,000 | $ 87,000 |
| Casey County Kentucky | 3 | $ 379,000 | $ 126,000 | $ 57,000 |
| Hopkins County Kentucky | 3 | $ 632,000 | $ 210,000 | $ 84,000 |
| Marion County Kentucky | 3 | $ 412,000 | $ 137,000 | $ 55,000 |
| Spencer County Kentucky | 3 | $ 629,000 | $ 209,000 | $ 47,000 |
| Beaufort County North Carolina | 3 | $ 577,000 | $ 192,000 | $ 110,000 |
| Cleveland County North Carolina | 3 | $ 592,000 | $ 197,000 | $ 60,000 |
| Berkeley County South Carolina | 3 | $ 501,000 | $ 167,000 | $ 68,000 |
| Florence County South Carolina | 3 | $ 502,000 | $ 167,000 | $ 55,000 |
| Marion County South Carolina | 3 | $ 356,000 | $ 118,000 | $ 52,000 |
| Oconee County South Carolina | 3 | $ 292,000 | $ 97,000 | $ 131,000 |
| Monterey County California | 2 | $ 586,000 | $ 293,000 | $ 95,000 |
| Holmes County Florida | 2 | $ 353,000 | $ 176,000 | $ 93,000 |
| Miller County Georgia | 2 | $ 185,000 | $ 92,000 | $ 39,000 |
| Allen County Indiana | 2 | $ 304,000 | $ 152,000 | $ 54,000 |
| Elkhart County Indiana | 2 | $ 351,000 | $ 175,000 | $ 171,000 |
| Hendricks County Indiana | 2 | $ 436,000 | $ 218,000 | $ 98,000 |
| Jasper County Indiana | 2 | $ 490,000 | $ 245,000 | $ 60,000 |
| Jefferson County Indiana | 2 | $ 274,000 | $ 137,000 | $ 167,000 |
| Lake County Indiana | 2 | $ 268,000 | $ 134,000 | $ 40,000 |
| Marion County Indiana | 2 | $ 232,000 | $ 116,000 | $ 57,000 |
| Caldwell County Kentucky | 2 | $ 154,000 | $ 77,000 | $ 48,000 |
| Carlisle County Kentucky | 2 | $ 254,000 | $ 127,000 | $ 202,000 |
| Clinton County Kentucky | 2 | $ 328,000 | $ 164,000 | $ 66,000 |
| Cumberland County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 29,000 |
| Franklin County Kentucky | 2 | $ 216,000 | $ 108,000 | $ 33,000 |
| Henderson County Kentucky | 2 | $ 376,000 | $ 188,000 | $ 73,000 |
| Livingston County Kentucky | 2 | $ 425,000 | $ 212,000 | $ 51,000 |
| Powell County Kentucky | 2 | $ 291,000 | $ 145,000 | $ 61,000 |
| Washington County Kentucky | 2 | $ 171,000 | $ 85,000 | $ 44,000 |
| Woodford County Kentucky | 2 | $ 212,000 | $ 106,000 | $ 35,000 |
| Brunswick County North Carolina | 2 | $ 377,000 | $ 188,000 | $ 53,000 |
| Catawba County North Carolina | 2 | $ 478,000 | $ 239,000 | $ 217,000 |
| Columbus County North Carolina | 2 | $ 452,000 | $ 226,000 | $ 79,000 |
| Craven County North Carolina | 2 | $ 408,000 | $ 204,000 | $ 115,000 |
| New Hanover County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 104,000 |
| Wake County North Carolina | 2 | $ 555,000 | $ 277,000 | $ 324,000 |
| Calhoun County South Carolina | 2 | $ 248,000 | $ 124,000 | $ 61,000 |
| Hampton County South Carolina | 2 | $ 160,000 | $ 80,000 | $ 74,000 |
| Saluda County South Carolina | 2 | $ 389,000 | $ 194,000 | $ 93,000 |
| Sumter County South Carolina | 2 | $ 137,000 | $ 68,000 | $ 31,000 |
| Williamsburg County South Carolina | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Wilson County Tennessee | 2 | $ 287,000 | $ 143,000 | $ 64,000 |
| Portsmouth County Virginia | 2 | $ 216,000 | $ 108,000 | $ 38,000 |
| Prince William County Virginia | 2 | $ 392,000 | $ 196,000 | $ 108,000 |
| Dale County Alabama | 1 | $ 176,000 | $ 176,000 | $ 95,000 |
| Los Angeles County California | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Riverside County California | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Brevard County Florida | 1 | $ 247,000 | $ 247,000 | $ 90,000 |
| Hillsborough County Florida | 1 | $ 133,000 | $ 133,000 | $ 116,000 |
| Manatee County Florida | 1 | $ 274,000 | $ 274,000 | $ 85,000 |
| Pinellas County Florida | 1 | $ 403,000 | $ 403,000 | $ 190,000 |
| Polk County Florida | 1 | $ 162,000 | $ 162,000 | $ 186,000 |
| Seminole County Florida | 1 | $ 214,000 | $ 214,000 | $ 48,000 |
| Calhoun County Georgia | 1 | $ 142,000 | $ 142,000 | $ 95,000 |
| Clarke County Georgia | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Coffee County Georgia | 1 | $ 112,000 | $ 112,000 | $ 81,000 |
| Early County Georgia | 1 | $ 321,000 | $ 321,000 | $ 173,000 |
| Houston County Georgia | 1 | $ 149,000 | $ 149,000 | $ 120,000 |
| Seminole County Georgia | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Lake County Illinois | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Madison County Illinois | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Peoria County Illinois | 1 | $ 121,000 | $ 121,000 | $ 56,000 |
| Bartholomew County Indiana | 1 | $ 172,000 | $ 172,000 | $ 105,000 |
| Brown County Indiana | 1 | $ 236,000 | $ 236,000 | $ 82,000 |
| Dearborn County Indiana | 1 | $ 171,000 | $ 171,000 | $ 79,000 |
| Fountain County Indiana | 1 | $ 170,000 | $ 170,000 | $ 105,000 |
| Grant County Indiana | 1 | $ 119,000 | $ 119,000 | $ 60,000 |
| Howard County Indiana | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Johnson County Indiana | 1 | $ 126,000 | $ 126,000 | $ 109,000 |
| LaGrange County Indiana | 1 | $ 209,000 | $ 209,000 | $ 87,000 |
| Monroe County Indiana | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Porter County Indiana | 1 | $ 193,000 | $ 193,000 | $ 73,000 |
| Warrick County Indiana | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Bell County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 28,000 |
| Boyd County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Carroll County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Gallatin County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Grant County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 72,000 |
| Green County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 49,000 |
| Greenup County Kentucky | 1 | $ 126,000 | $ 126,000 | $ 6,000 |
| Hancock County Kentucky | 1 | $ 83,000 | $ 83,000 | $ 71,000 |
| Harrison County Kentucky | 1 | $ 132,000 | $ 132,000 | $ 96,000 |
| McCreary County Kentucky | 1 | $ 143,000 | $ 143,000 | $ 32,000 |
| McLean County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Montgomery County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| Muhlenberg County Kentucky | 1 | $ 32,000 | $ 32,000 | $ 54,000 |
| Nicholas County Kentucky | 1 | $ 187,000 | $ 187,000 | $ 78,000 |
| Rockcastle County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 140,000 |
| Wayne County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 93,000 |
| Whitley County Kentucky | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 147,000 | $ 147,000 | $ 49,000 |
| Charles County Maryland | 1 | $ 290,000 | $ 290,000 | $ 60,000 |
| Howard County Maryland | 1 | $ 502,000 | $ 502,000 | $ 210,000 |
| Jackson County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Sarpy County Nebraska | 1 | $ 247,000 | $ 247,000 | $ 68,000 |
| Cheshire County New Hampshire | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Queens County New York | 1 | $ 400,000 | $ 400,000 | $ 100,000 |
| Avery County North Carolina | 1 | $ 237,000 | $ 237,000 | $ 190,000 |
| Chowan County North Carolina | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Currituck County North Carolina | 1 | $ 259,000 | $ 259,000 | $ 131,000 |
| Halifax County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 77,000 |
| Haywood County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 24,000 |
| Mecklenburg County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 128,000 |
| Onslow County North Carolina | 1 | $ 222,000 | $ 222,000 | $ 85,000 |
| Pasquotank County North Carolina | 1 | $ 177,000 | $ 177,000 | $ 89,000 |
| Perquimans County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 266,000 |
| Polk County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 69,000 |
| Washington County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 23,000 |
| Wayne County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Lawrence County Ohio | 1 | $ 156,000 | $ 156,000 | $ 119,000 |
| Chester County Pennsylvania | 1 | $ 218,000 | $ 218,000 | $ 84,000 |
| Aiken County South Carolina | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| Fairfield County South Carolina | 1 | $ 256,000 | $ 256,000 | $ 146,000 |
| Greenwood County South Carolina | 1 | $ 114,000 | $ 114,000 | $ 39,000 |
| Jasper County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 28,000 |
| Laurens County South Carolina | 1 | $ 230,000 | $ 230,000 | $ 174,000 |
| McCormick County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Orangeburg County South Carolina | 1 | $ 178,000 | $ 178,000 | $ 67,000 |
| York County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 57,000 |
| Turner County South Dakota | 1 | $ 212,000 | $ 212,000 | $ 120,000 |
| Carter County Tennessee | 1 | $ 103,000 | $ 103,000 | $ 104,000 |
| Claiborne County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 91,000 |
| Davidson County Tennessee | 1 | $ 404,000 | $ 404,000 | $ 112,000 |
| Henry County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Jefferson County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Knox County Tennessee | 1 | $ 198,000 | $ 198,000 | $ 30,000 |
| Robertson County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 79,000 |
| Rutherford County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
| Shelby County Tennessee | 1 | $ 171,000 | $ 171,000 | $ 56,000 |
| Anderson County Texas | 1 | $ 117,000 | $ 117,000 | $ 55,000 |
| Dallas County Texas | 1 | $ 250,000 | $ 250,000 | $ 131,000 |
| Augusta County Virginia | 1 | $ 214,000 | $ 214,000 | $ 53,000 |
| Fredericksburg County Virginia | 1 | $ 242,000 | $ 242,000 | $ 91,000 |
| Lee County Virginia | 1 | $ 158,000 | $ 158,000 | $ 49,000 |
| Suffolk County Virginia | 1 | $ 260,000 | $ 260,000 | $ 94,000 |
| Surry County Virginia | 1 | $ 157,000 | $ 157,000 | $ 46,000 |
| Clark County Washington | 1 | $ 182,000 | $ 182,000 | $ 83,000 |
| Raleigh County West Virginia | 1 | $ 199,000 | $ 199,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Magnolia Bank, Incorporated in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,326 | $210,217,000 | $158,000 | $1,402,000 | $85,000 | $1,793,000 |
| Home Purchase | 627 | $87,012,000 | $138,000 | $417,000 | $71,000 | $1,072,000 |
| Home Improvement | 16 | $500,000 | $31,000 | $159,000 | $51,000 | $178,000 |
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 | 1,772 | $265,876,000 | $150,000 | $1,402,000 | $82,000 | $1,793,000 |
| Not Provided | 81 | $14,670,000 | $181,000 | $502,000 | $83,000 | $433,000 |
| Black or African American | 51 | $6,784,000 | $133,000 | $275,000 | $64,000 | $186,000 |
| Not applicable | 25 | $4,059,000 | $162,000 | $919,000 | $0 | $0 |
| Asian | 17 | $2,322,000 | $136,000 | $274,000 | $78,000 | $412,000 |
| American Indian or Alaskan Native | 13 | $2,510,000 | $193,000 | $417,000 | $95,000 | $226,000 |
| Hispanic | 9 | $1,420,000 | $157,000 | $236,000 | $155,000 | $577,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $88,000 | $88,000 | $88,000 | $60,000 | $60,000 |
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) | 1,459 | $227,266,000 | $155,000 | $1,402,000 | $90,000 | $1,793,000 |
| FHA-insured (Federal Housing Administration) | 300 | $43,582,000 | $145,000 | $502,000 | $60,000 | $418,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 168 | $18,991,000 | $113,000 | $325,000 | $42,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 42 | $7,890,000 | $187,000 | $315,000 | $70,000 | $190,000 |
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 | 1,655 | $249,086,000 | $150,000 | $1,402,000 | $83,000 | $1,793,000 |
| Application Withdrawn By Applicant | 153 | $24,919,000 | $162,000 | $502,000 | $76,000 | $414,000 |
| Application Denied By Financial Institution | 102 | $15,393,000 | $150,000 | $1,169,000 | $62,000 | $418,000 |
| Application Approved But Not Accepted | 44 | $6,086,000 | $138,000 | $417,000 | $76,000 | $577,000 |
| Loan Purchased By The Institution | 15 | $2,245,000 | $149,000 | $417,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 15 | $2,211,000 | $147,000 | $247,000 | $45,000 | $90,000 |
| Collateral | 9 | $1,193,000 | $132,000 | $300,000 | $57,000 | $106,000 |
| Credit History | 5 | $675,000 | $135,000 | $234,000 | $42,000 | $72,000 |
| Other | 3 | $629,000 | $209,000 | $414,000 | $60,000 | $84,000 |
| Employment History | 3 | $388,000 | $129,000 | $228,000 | $74,000 | $112,000 |
| Unverifiable Information | 1 | $298,000 | $298,000 | $298,000 | $30,000 | $30,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank, Incorporated's 2012 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, Incorporated'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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