Magnolia Bank Mortgage Lending & HMDA Data, 2014

In 2014, Magnolia Bank of Hodgenville, KY reported 3,365 mortgage applications totaling $509.0 million, down 4% from 2013. The average application was for $151,276, and applicants reported an average income of $69,802. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (714), Columbia, SC (193) and Bowling Green, KY (174) (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 3,365
Total Mortgage Loan Application Amount $509,047,000
Average Mortgage Loan Application Amount $151,276
Highest Mortgage Loan Application Amount $1,320,000
Average Applicant Income $69,802
Highest Applicant Income $793,000

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Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 423 $ 62,700,000 $ 148,226 $ 69,000
Lexington, South Carolina 109 $ 17,419,000 $ 159,807 $ 83,000
Warren, Kentucky 108 $ 16,178,000 $ 149,796 $ 65,000
Troup, Georgia 101 $ 13,588,000 $ 134,534 $ 56,000
Nelson, Kentucky 81 $ 9,329,000 $ 115,172 $ 55,000
Bullitt, Kentucky 77 $ 10,539,000 $ 136,870 $ 53,000
Summit, Ohio 66 $ 8,160,000 $ 123,636 $ 67,000
Hardin, Kentucky 56 $ 7,538,000 $ 134,607 $ 88,000
Horry, South Carolina 56 $ 7,846,000 $ 140,107 $ 66,000
Clark, Indiana 54 $ 7,019,000 $ 129,981 $ 56,000
Richland, South Carolina 43 $ 7,908,000 $ 183,906 $ 103,000
Carroll, Georgia 42 $ 5,021,000 $ 119,547 $ 58,000
Simpson, Kentucky 41 $ 5,574,000 $ 135,951 $ 59,000
Allen, Kentucky 40 $ 4,078,000 $ 101,950 $ 48,000
Oldham, Kentucky 37 $ 7,262,000 $ 196,270 $ 75,000
Pulaski, Kentucky 35 $ 3,957,000 $ 113,057 $ 49,000
Kershaw, South Carolina 35 $ 4,541,000 $ 129,742 $ 75,000
Franklin, Ohio 33 $ 5,728,000 $ 173,575 $ 89,000
Floyd, Indiana 29 $ 4,799,000 $ 165,482 $ 68,000
Marion, Indiana 29 $ 3,905,000 $ 134,655 $ 61,000
Larue, Kentucky 27 $ 2,783,000 $ 103,074 $ 72,000
Haralson, Georgia 26 $ 4,090,000 $ 157,307 $ 75,000
Fayette, Kentucky 25 $ 4,097,000 $ 163,880 $ 76,000
Shelby, Kentucky 25 $ 3,151,000 $ 126,040 $ 50,000
Spencer, Kentucky 25 $ 4,583,000 $ 183,320 $ 66,000
Taylor, Kentucky 25 $ 2,394,000 $ 95,760 $ 45,000
Harrison, Indiana 24 $ 2,942,000 $ 122,583 $ 49,000
Harnett, North Carolina 23 $ 3,096,000 $ 134,608 $ 61,000
Medina, Ohio 22 $ 4,569,000 $ 207,681 $ 86,000
Vanderburgh, Indiana 21 $ 3,066,000 $ 146,000 $ 69,000
Crittenden, Kentucky 21 $ 2,302,000 $ 109,619 $ 57,000
Graves, Kentucky 21 $ 2,394,000 $ 114,000 $ 53,000
Trigg, Kentucky 21 $ 3,132,000 $ 149,142 $ 75,000
Cuyahoga, Ohio 20 $ 2,897,000 $ 144,850 $ 68,000
Daviess, Kentucky 19 $ 2,450,000 $ 128,947 $ 65,000
Barren, Kentucky 18 $ 2,540,000 $ 141,111 $ 60,000
Edmonson, Kentucky 18 $ 2,273,000 $ 126,277 $ 65,000
Russell, Kentucky 18 $ 2,230,000 $ 123,888 $ 53,000
Robeson, North Carolina 18 $ 2,570,000 $ 142,777 $ 72,000
Wilson, North Carolina 18 $ 3,232,000 $ 179,555 $ 78,000
Mercer, West Virginia 18 $ 1,806,000 $ 100,333 $ 51,000
Muskingum, Ohio 17 $ 2,608,000 $ 153,411 $ 63,000
Cook, Illinois 16 $ 4,029,000 $ 251,812 $ 98,000
Boyle, Kentucky 16 $ 2,308,000 $ 144,250 $ 77,000
Wayne, Michigan 16 $ 1,842,000 $ 115,125 $ 80,000
Johnson, Indiana 15 $ 2,112,000 $ 140,800 $ 48,000
Kenton, Kentucky 15 $ 1,858,000 $ 123,866 $ 63,000
Buncombe, North Carolina 15 $ 2,215,000 $ 147,666 $ 47,000
Portage, Ohio 15 $ 1,938,000 $ 129,200 $ 67,000
Greene, Tennessee 15 $ 2,458,000 $ 163,866 $ 77,000
Madison, Florida 14 $ 1,384,000 $ 98,857 $ 44,000
Oakland, Michigan 14 $ 2,726,000 $ 194,714 $ 104,000
Lincoln, North Carolina 14 $ 2,478,000 $ 177,000 $ 80,000
Beaufort, South Carolina 14 $ 1,914,000 $ 136,714 $ 58,000
McCracken, Kentucky 13 $ 1,717,000 $ 132,076 $ 60,000
Macomb, Michigan 13 $ 2,050,000 $ 157,692 $ 45,000
Mecklenburg, North Carolina 13 $ 2,914,000 $ 224,153 $ 72,000
Wake, North Carolina 13 $ 2,789,000 $ 214,538 $ 95,000
Dallas, Texas 13 $ 2,378,000 $ 182,923 $ 82,000
Chambers, Alabama 12 $ 1,250,000 $ 104,166 $ 41,000
Adair, Kentucky 12 $ 1,049,000 $ 87,416 $ 52,000
Charleston, South Carolina 12 $ 2,772,000 $ 231,000 $ 97,000
Boone, Kentucky 11 $ 1,800,000 $ 163,636 $ 81,000
Catawba, North Carolina 11 $ 1,944,000 $ 176,727 $ 76,000
Washington, Tennessee 11 $ 2,314,000 $ 210,363 $ 114,000
Harris, Texas 11 $ 1,796,000 $ 163,272 $ 94,000
Heard, Georgia 10 $ 1,341,000 $ 134,100 $ 57,000
Grayson, Kentucky 10 $ 1,492,000 $ 149,200 $ 124,000
Stark, Ohio 10 $ 1,258,000 $ 125,800 $ 70,000
Raleigh, West Virginia 10 $ 1,315,000 $ 131,500 $ 49,000
Brevard, Florida 9 $ 972,000 $ 108,000 $ 73,000
Hart, Kentucky 9 $ 620,000 $ 68,888 $ 57,000
Henry, Kentucky 9 $ 863,000 $ 95,888 $ 46,000
St. Louis, Missouri 9 $ 2,084,000 $ 231,555 $ 50,000
Brunswick, North Carolina 9 $ 1,413,000 $ 157,000 $ 190,000
Jefferson, Indiana 8 $ 971,000 $ 121,375 $ 52,000
Washington, Indiana 8 $ 850,000 $ 106,250 $ 55,000
Butler, Kentucky 8 $ 685,000 $ 85,625 $ 51,000
Gaston, North Carolina 8 $ 1,476,000 $ 184,500 $ 92,000
Delaware, Ohio 8 $ 1,794,000 $ 224,250 $ 95,000
Licking, Ohio 8 $ 1,195,000 $ 149,375 $ 63,000
Aiken, South Carolina 8 $ 1,924,000 $ 240,500 $ 86,000
Greenville, South Carolina 8 $ 1,339,000 $ 167,375 $ 69,000
Lancaster, South Carolina 8 $ 922,000 $ 115,250 $ 49,000
Hawkins, Tennessee 8 $ 903,000 $ 112,875 $ 55,000
Denton, Texas 8 $ 1,533,000 $ 191,625 $ 89,000
Jackson, Georgia 7 $ 1,322,000 $ 188,857 $ 87,000
Calloway, Kentucky 7 $ 1,074,000 $ 153,428 $ 110,000
Henderson, Kentucky 7 $ 1,029,000 $ 147,000 $ 80,000
Lyon, Kentucky 7 $ 1,275,000 $ 182,142 $ 89,000
Marion, Kentucky 7 $ 837,000 $ 119,571 $ 42,000
Wayne, Kentucky 7 $ 562,000 $ 80,285 $ 37,000
Henderson, North Carolina 7 $ 791,000 $ 113,000 $ 48,000
Johnston, North Carolina 7 $ 1,482,000 $ 211,714 $ 67,000
Tarrant, Texas 7 $ 1,344,000 $ 192,000 $ 59,000
Fairfax, Virginia 7 $ 2,286,000 $ 326,571 $ 74,000
Grayson, Virginia 7 $ 744,000 $ 106,285 $ 51,000
Stafford, Virginia 7 $ 2,210,000 $ 315,714 $ 140,000
Henry, Alabama 6 $ 943,000 $ 157,166 $ 84,000
Walker, Alabama 6 $ 683,000 $ 113,833 $ 60,000
Columbia, Georgia 6 $ 2,318,000 $ 386,333 $ 189,000
Fulton, Georgia 6 $ 844,000 $ 140,666 $ 47,000
DuPage, Illinois 6 $ 1,247,000 $ 207,833 $ 75,000
Warrick, Indiana 6 $ 1,230,000 $ 205,000 $ 160,000
Caldwell, Kentucky 6 $ 508,000 $ 84,666 $ 40,000
Logan, Kentucky 6 $ 753,000 $ 125,500 $ 57,000
Scott, Kentucky 6 $ 863,000 $ 143,833 $ 53,000
Guilford, North Carolina 6 $ 846,000 $ 141,000 $ 69,000
Sampson, North Carolina 6 $ 798,000 $ 133,000 $ 43,000
Lorain, Ohio 6 $ 851,000 $ 141,833 $ 64,000
Newberry, South Carolina 6 $ 693,000 $ 115,500 $ 69,000
Sumner, Tennessee 6 $ 783,000 $ 130,500 $ 49,000
Chesapeake, Virginia 6 $ 1,281,000 $ 213,500 $ 56,000
Chesterfield, Virginia 6 $ 1,240,000 $ 206,666 $ 63,000
Loudoun, Virginia 6 $ 2,013,000 $ 335,500 $ 94,000
Harris, Georgia 5 $ 769,000 $ 153,800 $ 51,000
Campbell, Kentucky 5 $ 473,000 $ 94,600 $ 60,000
Mercer, Kentucky 5 $ 659,000 $ 131,800 $ 49,000
Clermont, Ohio 5 $ 819,000 $ 163,800 $ 69,000
Philadelphia, Pennsylvania 5 $ 897,000 $ 179,400 $ 58,000
Florence, South Carolina 5 $ 531,000 $ 106,200 $ 52,000
Georgetown, South Carolina 5 $ 765,000 $ 153,000 $ 62,000
York, South Carolina 5 $ 1,035,000 $ 207,000 $ 102,000
Carroll, Virginia 5 $ 742,000 $ 148,400 $ 70,000
Frederick, Virginia 5 $ 1,557,000 $ 311,400 $ 88,000
Galax, Virginia 5 $ 470,000 $ 94,000 $ 36,000
Prince William, Virginia 5 $ 1,522,000 $ 304,400 $ 119,000
Nicholas, West Virginia 5 $ 1,033,000 $ 206,600 $ 135,000
Hillsborough, Florida 4 $ 697,000 $ 174,250 $ 92,000
Miami-Dade, Florida 4 $ 934,000 $ 233,500 $ 101,000
Coweta, Georgia 4 $ 457,000 $ 114,250 $ 36,000
Hart, Georgia 4 $ 390,000 $ 97,500 $ 47,000
Lowndes, Georgia 4 $ 853,000 $ 213,250 $ 155,000
Madison, Georgia 4 $ 647,000 $ 161,750 $ 63,000
Oconee, Georgia 4 $ 997,000 $ 249,250 $ 132,000
Crawford, Indiana 4 $ 313,000 $ 78,250 $ 43,000
Lake, Indiana 4 $ 514,000 $ 128,500 $ 50,000
Cumberland, Kentucky 4 $ 272,000 $ 68,000 $ 43,000
Franklin, Kentucky 4 $ 491,000 $ 122,750 $ 71,000
Jessamine, Kentucky 4 $ 482,000 $ 120,500 $ 37,000
Baltimore, Maryland 4 $ 928,000 $ 232,000 $ 57,000
St. Charles, Missouri 4 $ 971,000 $ 242,750 $ 68,000
Alleghany, North Carolina 4 $ 335,000 $ 83,750 $ 27,000
Columbus, North Carolina 4 $ 398,000 $ 99,500 $ 56,000
Cumberland, North Carolina 4 $ 829,000 $ 207,250 $ 114,000
Davidson, North Carolina 4 $ 759,000 $ 189,750 $ 52,000
Forsyth, North Carolina 4 $ 604,000 $ 151,000 $ 76,000
Rutherford, North Carolina 4 $ 533,000 $ 133,250 $ 71,000
Surry, North Carolina 4 $ 618,000 $ 154,500 $ 74,000
Wilkes, North Carolina 4 $ 423,000 $ 105,750 $ 44,000
Richland, Ohio 4 $ 273,000 $ 68,250 $ 85,000
Blount, Tennessee 4 $ 484,000 $ 121,000 $ 69,000
Davidson, Tennessee 4 $ 514,000 $ 128,500 $ 140,000
Knox, Tennessee 4 $ 620,000 $ 155,000 $ 80,000
Bexar, Texas 4 $ 957,000 $ 239,250 $ 103,000
Collin, Texas 4 $ 891,000 $ 222,750 $ 84,000
Fredericksburg, Virginia 4 $ 919,000 $ 229,750 $ 119,000
Tazewell, Virginia 4 $ 322,000 $ 80,500 $ 41,000
Randolph, Alabama 3 $ 476,000 $ 158,666 $ 102,000
Winston, Alabama 3 $ 356,000 $ 118,666 $ 60,000
Pinellas, Florida 3 $ 678,000 $ 226,000 $ 103,000
Ben Hill, Georgia 3 $ 213,000 $ 71,000 $ 54,000
Douglas, Georgia 3 $ 411,000 $ 137,000 $ 75,000
Gwinnett, Georgia 3 $ 557,000 $ 185,666 $ 67,000
Hall, Georgia 3 $ 455,000 $ 151,666 $ 73,000
Jasper, Georgia 3 $ 501,000 $ 167,000 $ 65,000
Meriwether, Georgia 3 $ 250,000 $ 83,333 $ 53,000
Richmond, Georgia 3 $ 603,000 $ 201,000 $ 105,000
Lake, Illinois 3 $ 436,000 $ 145,333 $ 62,000
Dearborn, Indiana 3 $ 428,000 $ 142,666 $ 51,000
Hamilton, Indiana 3 $ 491,000 $ 163,666 $ 77,000
Scott, Indiana 3 $ 221,000 $ 73,666 $ 22,000
Shelby, Indiana 3 $ 442,000 $ 147,333 $ 54,000
Green, Kentucky 3 $ 355,000 $ 118,333 $ 51,000
Hopkins, Kentucky 3 $ 474,000 $ 158,000 $ 76,000
Knox, Kentucky 3 $ 410,000 $ 136,666 $ 61,000
Lincoln, Kentucky 3 $ 317,000 $ 105,666 $ 52,000
Marshall, Kentucky 3 $ 445,000 $ 148,333 $ 67,000
Meade, Kentucky 3 $ 347,000 $ 115,666 $ 49,000
Metcalfe, Kentucky 3 $ 298,000 $ 99,333 $ 56,000
Montgomery, Maryland 3 $ 822,000 $ 274,000 $ 45,000
St. Mary's, Maryland 3 $ 629,000 $ 209,666 $ 76,000
Christian, Missouri 3 $ 501,000 $ 167,000 $ 46,000
Clay, Missouri 3 $ 636,000 $ 212,000 $ 120,000
Jackson, Missouri 3 $ 460,000 $ 153,333 $ 41,000
Nash, North Carolina 3 $ 660,000 $ 220,000 $ 97,000
Pender, North Carolina 3 $ 779,000 $ 259,666 $ 85,000
Rowan, North Carolina 3 $ 841,000 $ 280,333 $ 102,000
Ashland, Ohio 3 $ 312,000 $ 104,000 $ 34,000
Fairfield, Ohio 3 $ 575,000 $ 191,666 $ 88,000
Hamilton, Ohio 3 $ 539,000 $ 179,666 $ 61,000
Madison, Ohio 3 $ 541,000 $ 180,333 $ 79,000
Ross, Ohio 3 $ 483,000 $ 161,000 $ 66,000
Wayne, Ohio 3 $ 550,000 $ 183,333 $ 64,000
Delaware, Pennsylvania 3 $ 597,000 $ 199,000 $ 85,000
York, Pennsylvania 3 $ 469,000 $ 156,333 $ 49,000
Berkeley, South Carolina 3 $ 570,000 $ 190,000 $ 46,000
Chesterfield, South Carolina 3 $ 563,000 $ 187,666 $ 69,000
Colleton, South Carolina 3 $ 690,000 $ 230,000 $ 156,000
Darlington, South Carolina 3 $ 457,000 $ 152,333 $ 60,000
Dorchester, South Carolina 3 $ 589,000 $ 196,333 $ 56,000
Fairfield, South Carolina 3 $ 599,000 $ 199,666 $ 116,000
Jasper, South Carolina 3 $ 532,000 $ 177,333 $ 51,000
Marion, South Carolina 3 $ 319,000 $ 106,333 $ 32,000
Bradley, Tennessee 3 $ 390,000 $ 130,000 $ 38,000
Galveston, Texas 3 $ 590,000 $ 196,666 $ 99,000
Travis, Texas 3 $ 613,000 $ 204,333 $ 83,000
Williamson, Texas 3 $ 437,000 $ 145,666 $ 71,000
Orange, Virginia 3 $ 400,000 $ 133,333 $ 39,000
Virginia Beach, Virginia 3 $ 575,000 $ 191,666 $ 63,000
Upshur, West Virginia 3 $ 324,000 $ 108,000 $ 47,000
Dale, Alabama 2 $ 143,000 $ 71,500 $ 24,000
Houston, Alabama 2 $ 154,000 $ 77,000 $ 44,000
Lee, Alabama 2 $ 359,000 $ 179,500 $ 55,000
Pickens, Alabama 2 $ 181,000 $ 90,500 $ 36,000
Maricopa, Arizona 2 $ 486,000 $ 243,000 $ 108,000
Holmes, Florida 2 $ 173,000 $ 86,500 $ 128,000
Jackson, Florida 2 $ 233,000 $ 116,500 $ 122,000
Palm Beach, Florida 2 $ 458,000 $ 229,000 $ 59,000
Polk, Florida 2 $ 311,000 $ 155,500 $ 69,000
Chatham, Georgia 2 $ 305,000 $ 152,500 $ 51,000
Cobb, Georgia 2 $ 550,000 $ 275,000 $ 122,000
Dodge, Georgia 2 $ 368,000 $ 184,000 $ 92,000
Forsyth, Georgia 2 $ 432,000 $ 216,000 $ 78,000
Irwin, Georgia 2 $ 333,000 $ 166,500 $ 84,000
Paulding, Georgia 2 $ 202,000 $ 101,000 $ 43,000
Stephens, Georgia 2 $ 205,000 $ 102,500 $ 38,000
Wilcox, Georgia 2 $ 209,000 $ 104,500 $ 52,000
Bartholomew, Indiana 2 $ 558,000 $ 279,000 $ 130,000
Hendricks, Indiana 2 $ 298,000 $ 149,000 $ 88,000
Lawrence, Indiana 2 $ 366,000 $ 183,000 $ 104,000
Monroe, Indiana 2 $ 172,000 $ 86,000 $ 29,000
Morgan, Indiana 2 $ 276,000 $ 138,000 $ 21,000
Tippecanoe, Indiana 2 $ 252,000 $ 126,000 $ 40,000
Wayne, Indiana 2 $ 144,000 $ 72,000 $ 76,000
Anderson, Kentucky 2 $ 166,000 $ 83,000 $ 56,000
Breckinridge, Kentucky 2 $ 1,000,000 $ 500,000 $ 211,000
Carroll, Kentucky 2 $ 342,000 $ 171,000 $ 105,000
Casey, Kentucky 2 $ 190,000 $ 95,000 $ 42,000
Garrard, Kentucky 2 $ 250,000 $ 125,000 $ 49,000
Grant, Kentucky 2 $ 242,000 $ 121,000 $ 67,000
Livingston, Kentucky 2 $ 255,000 $ 127,500 $ 45,000
McCreary, Kentucky 2 $ 166,000 $ 83,000 $ 34,000
Washington, Kentucky 2 $ 167,000 $ 83,500 $ 40,000
Woodford, Kentucky 2 $ 210,000 $ 105,000 $ 24,000
Charles, Maryland 2 $ 655,000 $ 327,500 $ 114,000
Middlesex, Massachusetts 2 $ 538,000 $ 269,000 $ 103,000
Butler, Missouri 2 $ 411,000 $ 205,500 $ 97,000
Cape Girardeau, Missouri 2 $ 308,000 $ 154,000 $ 102,000
Lincoln, Missouri 2 $ 433,000 $ 216,500 $ 60,000
Taney, Missouri 2 $ 454,000 $ 227,000 $ 63,000
Hillsborough, New Hampshire 2 $ 442,000 $ 221,000 $ 48,000
Bernalillo, New Mexico 2 $ 279,000 $ 139,500 $ 79,000
Burke, North Carolina 2 $ 251,000 $ 125,500 $ 48,000
Caldwell, North Carolina 2 $ 310,000 $ 155,000 $ 54,000
Durham, North Carolina 2 $ 290,000 $ 145,000 $ 41,000
Edgecombe, North Carolina 2 $ 421,000 $ 210,500 $ 63,000
Franklin, North Carolina 2 $ 311,000 $ 155,500 $ 76,000
Hoke, North Carolina 2 $ 243,000 $ 121,500 $ 37,000
Moore, North Carolina 2 $ 283,000 $ 141,500 $ 36,000
Onslow, North Carolina 2 $ 556,000 $ 278,000 $ 43,000
Pamlico, North Carolina 2 $ 430,000 $ 215,000 $ 13,000
Scotland, North Carolina 2 $ 276,000 $ 138,000 $ 52,000
Brown, Ohio 2 $ 151,000 $ 75,500 $ 60,000
Butler, Ohio 2 $ 348,000 $ 174,000 $ 45,000
Montgomery, Ohio 2 $ 324,000 $ 162,000 $ 61,000
Tuscarawas, Ohio 2 $ 241,000 $ 120,500 $ 83,000
Jackson, Oregon 2 $ 304,000 $ 152,000 $ 63,000
Edgefield, South Carolina 2 $ 348,000 $ 174,000 $ 76,000
Greenwood, South Carolina 2 $ 159,000 $ 79,500 $ 62,000
Oconee, South Carolina 2 $ 539,000 $ 269,500 $ 157,000
Saluda, South Carolina 2 $ 525,000 $ 262,500 $ 89,000
Spartanburg, South Carolina 2 $ 246,000 $ 123,000 $ 46,000
Sumter, South Carolina 2 $ 201,000 $ 100,500 $ 49,000
Anderson, Tennessee 2 $ 185,000 $ 92,500 $ 43,000
Jefferson, Tennessee 2 $ 183,000 $ 91,500 $ 41,000
Roane, Tennessee 2 $ 475,000 $ 237,500 $ 103,000
Sullivan, Tennessee 2 $ 367,000 $ 183,500 $ 69,000
Cass, Texas 2 $ 297,000 $ 148,500 $ 111,000
Fort Bend, Texas 2 $ 439,000 $ 219,500 $ 131,000
Guadalupe, Texas 2 $ 312,000 $ 156,000 $ 81,000
San Patricio, Texas 2 $ 424,000 $ 212,000 $ 110,000
Gloucester, Virginia 2 $ 457,000 $ 228,500 $ 122,000
Henrico, Virginia 2 $ 392,000 $ 196,000 $ 72,000
Middlesex, Virginia 2 $ 327,000 $ 163,500 $ 63,000
Pulaski, Virginia 2 $ 203,000 $ 101,500 $ 70,000
Spotsylvania, Virginia 2 $ 520,000 $ 260,000 $ 121,000
Fayette, West Virginia 2 $ 208,000 $ 104,000 $ 55,000
Barbour, Alabama 1 $ 102,000 $ 102,000 $ 35,000
Cleburne, Alabama 1 $ 88,000 $ 88,000 $ 47,000
Geneva, Alabama 1 $ 148,000 $ 148,000 $ 79,000
Jefferson, Alabama 1 $ 142,000 $ 142,000 $ 182,000
Madison, Alabama 1 $ 377,000 $ 377,000 $ 127,000
Sumter, Alabama 1 $ 95,000 $ 95,000 $ 33,000
Talladega, Alabama 1 $ 182,000 $ 182,000 $ 60,000
Cleburne, Arkansas 1 $ 131,000 $ 131,000 $ 32,000
Fresno, California 1 $ 250,000 $ 250,000 $ 147,000
Los Angeles, California 1 $ 230,000 $ 230,000 $ 40,000
El Paso, Colorado 1 $ 207,000 $ 207,000 $ 56,000
Jefferson, Colorado 1 $ 261,000 $ 261,000 $ 97,000
Hartford, Connecticut 1 $ 279,000 $ 279,000 $ 162,000
Bay, Florida 1 $ 249,000 $ 249,000 $ 190,000
Gulf, Florida 1 $ 272,000 $ 272,000 $ 220,000
Hamilton, Florida 1 $ 82,000 $ 82,000 $ 58,000
Lee, Florida 1 $ 225,000 $ 225,000 $ 193,000
Leon, Florida 1 $ 193,000 $ 193,000 $ 81,000
Manatee, Florida 1 $ 186,000 $ 186,000 $ 59,000
Okaloosa, Florida 1 $ 199,000 $ 199,000 $ 73,000
Osceola, Florida 1 $ 226,000 $ 226,000 $ 93,000
Pasco, Florida 1 $ 66,000 $ 66,000 $ 68,000
St. Johns, Florida 1 $ 108,000 $ 108,000 $ 20,000
Taylor, Florida 1 $ 160,000 $ 160,000 $ 66,000
Volusia, Florida 1 $ 224,000 $ 224,000 $ 140,000
Bacon, Georgia 1 $ 94,000 $ 94,000 $ 86,000
Barrow, Georgia 1 $ 174,000 $ 174,000 $ 59,000
Berrien, Georgia 1 $ 348,000 $ 348,000 $ 164,000
Bryan, Georgia 1 $ 176,000 $ 176,000 $ 111,000
Cherokee, Georgia 1 $ 380,000 $ 380,000 $ 175,000
Clarke, Georgia 1 $ 227,000 $ 227,000 $ 106,000
Colquitt, Georgia 1 $ 104,000 $ 104,000 $ 20,000
Crisp, Georgia 1 $ 162,000 $ 162,000 $ 63,000
Dawson, Georgia 1 $ 184,000 $ 184,000 $ 73,000
Elbert, Georgia 1 $ 238,000 $ 238,000 $ 82,000
Franklin, Georgia 1 $ 70,000 $ 70,000 $ 35,000
Gordon, Georgia 1 $ 124,000 $ 124,000 $ 72,000
Henry, Georgia 1 $ 138,000 $ 138,000 $ 38,000
Miller, Georgia 1 $ 105,000 $ 105,000 $ 72,000
Newton, Georgia 1 $ 417,000 $ 417,000 $ 236,000
Pike, Georgia 1 $ 59,000 $ 59,000 $ 71,000
Putnam, Georgia 1 $ 202,000 $ 202,000 $ 63,000
Talbot, Georgia 1 $ 243,000 $ 243,000 $ 96,000
Tift, Georgia 1 $ 118,000 $ 118,000 $ 74,000
Towns, Georgia 1 $ 148,000 $ 148,000 $ 27,000
Upson, Georgia 1 $ 129,000 $ 129,000 $ 47,000
White, Georgia 1 $ 395,000 $ 395,000 $ 107,000
Madison, Illinois 1 $ 211,000 $ 211,000 $ 85,000
McHenry, Illinois 1 $ 110,000 $ 110,000 $ 110,000
Will, Illinois 1 $ 203,000 $ 203,000 $ 73,000
Williamson, Illinois 1 $ 400,000 $ 400,000 $ 104,000
Blackford, Indiana 1 $ 130,000 $ 130,000 $ 67,000
Brown, Indiana 1 $ 140,000 $ 140,000 $ 56,000
Clay, Indiana 1 $ 65,000 $ 65,000 $ 31,000
Delaware, Indiana 1 $ 243,000 $ 243,000 $ 83,000
Fulton, Indiana 1 $ 130,000 $ 130,000 $ 87,000
Hancock, Indiana 1 $ 350,000 $ 350,000 $ 152,000
Howard, Indiana 1 $ 75,000 $ 75,000 $ 37,000
Jennings, Indiana 1 $ 235,000 $ 235,000 $ 70,000
Kosciusko, Indiana 1 $ 103,000 $ 103,000 $ 30,000
Marshall, Indiana 1 $ 164,000 $ 164,000 $ 50,000
Ohio, Indiana 1 $ 130,000 $ 130,000 $ 67,000
Orange, Indiana 1 $ 130,000 $ 130,000 $ 27,000
Perry, Indiana 1 $ 123,000 $ 123,000 $ 54,000
Posey, Indiana 1 $ 90,000 $ 90,000 $ 16,000
Rush, Indiana 1 $ 133,000 $ 133,000 $ 50,000
St. Joseph, Indiana 1 $ 101,000 $ 101,000 $ 123,000
Bell, Kentucky 1 $ 110,000 $ 110,000 $ 32,000
Bourbon, Kentucky 1 $ 235,000 $ 235,000 $ 68,000
Carter, Kentucky 1 $ 170,000 $ 170,000 $ 58,000
Clark, Kentucky 1 $ 219,000 $ 219,000 $ 120,000
Clay, Kentucky 1 $ 173,000 $ 173,000 $ 99,000
Clinton, Kentucky 1 $ 150,000 $ 150,000 $ 28,000
Floyd, Kentucky 1 $ 64,000 $ 64,000 $ 45,000
Harrison, Kentucky 1 $ 165,000 $ 165,000 $ 73,000
Jackson, Kentucky 1 $ 59,000 $ 59,000 $ 16,000
Madison, Kentucky 1 $ 127,000 $ 127,000 $ 35,000
Martin, Kentucky 1 $ 130,000 $ 130,000 $ 39,000
Monroe, Kentucky 1 $ 115,000 $ 115,000 $ 41,000
Ohio, Kentucky 1 $ 130,000 $ 130,000 $ 116,000
Pendleton, Kentucky 1 $ 220,000 $ 220,000 $ 117,000
Rockcastle, Kentucky 1 $ 102,000 $ 102,000 $ 30,000
Rowan, Kentucky 1 $ 134,000 $ 134,000 $ 100,000
Todd, Kentucky 1 $ 138,000 $ 138,000 $ 82,000
Union, Kentucky 1 $ 225,000 $ 225,000 $ 94,000
Whitley, Kentucky 1 $ 86,000 $ 86,000 $ 46,000
Anne Arundel, Maryland 1 $ 183,000 $ 183,000 $ 108,000
Frederick, Maryland 1 $ 243,000 $ 243,000 $ 61,000
Prince George's, Maryland 1 $ 399,000 $ 399,000 $ 82,000
Talbot, Maryland 1 $ 212,000 $ 212,000 $ 50,000
Washington, Maryland 1 $ 261,000 $ 261,000 $ 105,000
Worcester, Massachusetts 1 $ 180,000 $ 180,000 $ 70,000
Washtenaw, Michigan 1 $ 232,000 $ 232,000 $ 85,000
DeSoto, Mississippi 1 $ 258,000 $ 258,000 $ 84,000
Hinds, Mississippi 1 $ 60,000 $ 60,000 $ 48,000
Rankin, Mississippi 1 $ 210,000 $ 210,000 $ 103,000
Boone, Missouri 1 $ 162,000 $ 162,000 $ 43,000
Camden, Missouri 1 $ 256,000 $ 256,000 $ 51,000
Cass, Missouri 1 $ 226,000 $ 226,000 $ 85,000
Gasconade, Missouri 1 $ 127,000 $ 127,000 $ 26,000
Greene, Missouri 1 $ 230,000 $ 230,000 $ 27,000
Jefferson, Missouri 1 $ 144,000 $ 144,000 $ 79,000
Johnson, Missouri 1 $ 146,000 $ 146,000 $ 36,000
McDonald, Missouri 1 $ 139,000 $ 139,000 $ 73,000
Ozark, Missouri 1 $ 256,000 $ 256,000 $ 39,000
Scott, Missouri 1 $ 178,000 $ 178,000 $ 73,000
St. Francois, Missouri 1 $ 197,000 $ 197,000 $ 40,000
Middlesex, New Jersey 1 $ 196,000 $ 196,000 $ 173,000
Bronx, New York 1 $ 150,000 $ 150,000 $ 44,000
Rensselaer, New York 1 $ 131,000 $ 131,000 $ 54,000
Westchester, New York 1 $ 497,000 $ 497,000 $ 238,000
Wyoming, New York 1 $ 76,000 $ 76,000 $ 38,000
Alamance, North Carolina 1 $ 141,000 $ 141,000 $ 93,000
Cabarrus, North Carolina 1 $ 136,000 $ 136,000 $ 68,000
Carteret, North Carolina 1 $ 201,000 $ 201,000 $ 144,000
Caswell, North Carolina 1 $ 115,000 $ 115,000 $ 41,000
Cleveland, North Carolina 1 $ 206,000 $ 206,000 $ 73,000
Dare, North Carolina 1 $ 167,000 $ 167,000 $ 129,000
Duplin, North Carolina 1 $ 38,000 $ 38,000 $ 49,000
Granville, North Carolina 1 $ 160,000 $ 160,000 $ 121,000
Haywood, North Carolina 1 $ 358,000 $ 358,000 $ 391,000
Iredell, North Carolina 1 $ 74,000 $ 74,000 $ 52,000
New Hanover, North Carolina 1 $ 280,000 $ 280,000 $ 45,000
Orange, North Carolina 1 $ 143,000 $ 143,000 $ 39,000
Union, North Carolina 1 $ 357,000 $ 357,000 $ 105,000
Watauga, North Carolina 1 $ 135,000 $ 135,000 $ 83,000
Yadkin, North Carolina 1 $ 32,000 $ 32,000 $ 34,000
Allen, Ohio 1 $ 162,000 $ 162,000 $ 90,000
Ashtabula, Ohio 1 $ 118,000 $ 118,000 $ 46,000
Carroll, Ohio 1 $ 161,000 $ 161,000 $ 60,000
Columbiana, Ohio 1 $ 43,000 $ 43,000 $ 10,000
Geauga, Ohio 1 $ 142,000 $ 142,000 $ 48,000
Guernsey, Ohio 1 $ 112,000 $ 112,000 $ 47,000
Knox, Ohio 1 $ 144,000 $ 144,000 $ 76,000
Lake, Ohio 1 $ 156,000 $ 156,000 $ 124,000
Lucas, Ohio 1 $ 120,000 $ 120,000 $ 26,000
Mahoning, Ohio 1 $ 78,000 $ 78,000 $ 77,000
Morrow, Ohio 1 $ 125,000 $ 125,000 $ 87,000
Perry, Ohio 1 $ 394,000 $ 394,000 $ 181,000
Union, Ohio 1 $ 146,000 $ 146,000 $ 108,000
Williams, Ohio 1 $ 106,000 $ 106,000 $ 45,000
Tulsa, Oklahoma 1 $ 87,000 $ 87,000 $ 106,000
Allegheny, Pennsylvania 1 $ 64,000 $ 64,000 $ 33,000
Bedford, Pennsylvania 1 $ 174,000 $ 174,000 $ 68,000
Berks, Pennsylvania 1 $ 163,000 $ 163,000 $ 70,000
Chester, Pennsylvania 1 $ 192,000 $ 192,000 $ 67,000
Dauphin, Pennsylvania 1 $ 232,000 $ 232,000 $ 94,000
Erie, Pennsylvania 1 $ 147,000 $ 147,000 $ 69,000
Monroe, Pennsylvania 1 $ 105,000 $ 105,000 $ 40,000
Perry, Pennsylvania 1 $ 179,000 $ 179,000 $ 60,000
Anderson, South Carolina 1 $ 184,000 $ 184,000 $ 86,000
Calhoun, South Carolina 1 $ 123,000 $ 123,000 $ 110,000
Chester, South Carolina 1 $ 68,000 $ 68,000 $ 29,000
Laurens, South Carolina 1 $ 166,000 $ 166,000 $ 49,000
Lee, South Carolina 1 $ 38,000 $ 38,000 $ 39,000
Orangeburg, South Carolina 1 $ 219,000 $ 219,000 $ 89,000
Union, South Carolina 1 $ 116,000 $ 116,000 $ 118,000
Williamsburg, South Carolina 1 $ 172,000 $ 172,000 $ 122,000
Carter, Tennessee 1 $ 57,000 $ 57,000 $ 29,000
Cheatham, Tennessee 1 $ 152,000 $ 152,000 $ 62,000
Gibson, Tennessee 1 $ 184,000 $ 184,000 $ 156,000
Grainger, Tennessee 1 $ 338,000 $ 338,000 $ 72,000
Humphreys, Tennessee 1 $ 132,000 $ 132,000 $ 38,000
Loudon, Tennessee 1 $ 88,000 $ 88,000 $ 38,000
Macon, Tennessee 1 $ 154,000 $ 154,000 $ 92,000
Marshall, Tennessee 1 $ 128,000 $ 128,000 $ 53,000
Monroe, Tennessee 1 $ 106,000 $ 106,000 $ 25,000
Rutherford, Tennessee 1 $ 93,000 $ 93,000 $ 24,000
Sevier, Tennessee 1 $ 156,000 $ 156,000 $ 74,000
Shelby, Tennessee 1 $ 228,000 $ 228,000 $ 58,000
Van Buren, Tennessee 1 $ 165,000 $ 165,000 $ 77,000
Wilson, Tennessee 1 $ 264,000 $ 264,000 $ 76,000
Brazoria, Texas 1 $ 153,000 $ 153,000 $ 135,000
Gregg, Texas 1 $ 417,000 $ 417,000 $ 166,000
Jefferson, Texas 1 $ 130,000 $ 130,000 $ 59,000
Lamar, Texas 1 $ 195,000 $ 195,000 $ 37,000
Liberty, Texas 1 $ 171,000 $ 171,000 $ 76,000
Lubbock, Texas 1 $ 110,000 $ 110,000 $ 84,000
Montgomery, Texas 1 $ 204,000 $ 204,000 $ 105,000
Nueces, Texas 1 $ 309,000 $ 309,000 $ 304,000
Parker, Texas 1 $ 175,000 $ 175,000 $ 79,000
Randall, Texas 1 $ 188,000 $ 188,000 $ 71,000
Victoria, Texas 1 $ 270,000 $ 270,000 $ 246,000
Davis, Utah 1 $ 203,000 $ 203,000 $ 85,000
Salt Lake, Utah 1 $ 198,000 $ 198,000 $ 62,000
Amelia, Virginia 1 $ 201,000 $ 201,000 $ 34,000
Augusta, Virginia 1 $ 417,000 $ 417,000 $ 195,000
Caroline, Virginia 1 $ 196,000 $ 196,000 $ 91,000
Clarke, Virginia 1 $ 331,000 $ 331,000 $ 158,000
Culpeper, Virginia 1 $ 225,000 $ 225,000 $ 79,000
Dinwiddie, Virginia 1 $ 173,000 $ 173,000 $ 75,000
Essex, Virginia 1 $ 200,000 $ 200,000 $ 72,000
Falls Church, Virginia 1 $ 235,000 $ 235,000 $ 136,000
Fauquier, Virginia 1 $ 407,000 $ 407,000 $ 124,000
Franklin, Virginia 1 $ 1,320,000 $ 1,320,000 $ 300,000
Halifax, Virginia 1 $ 113,000 $ 113,000 $ 46,000
Harrisonburg, Virginia 1 $ 172,000 $ 172,000 $ 64,000
Isle of Wight, Virginia 1 $ 174,000 $ 174,000 $ 50,000
King George, Virginia 1 $ 230,000 $ 230,000 $ 71,000
Lancaster, Virginia 1 $ 98,000 $ 98,000 $ 87,000
Lee, Virginia 1 $ 116,000 $ 116,000 $ 50,000
Louisa, Virginia 1 $ 190,000 $ 190,000 $ 66,000
New Kent, Virginia 1 $ 378,000 $ 378,000 $ 127,000
Pittsylvania, Virginia 1 $ 110,000 $ 110,000 $ 37,000
Rockingham, Virginia 1 $ 172,000 $ 172,000 $ 38,000
Russell, Virginia 1 $ 138,000 $ 138,000 $ 45,000
Smyth, Virginia 1 $ 120,000 $ 120,000 $ 76,000
Southampton, Virginia 1 $ 156,000 $ 156,000 $ 124,000
Wythe, Virginia 1 $ 137,000 $ 137,000 $ 32,000
Kitsap, Washington 1 $ 263,000 $ 263,000 $ 136,000
Snohomish, Washington 1 $ 461,000 $ 461,000 $ 120,000
Braxton, West Virginia 1 $ 81,000 $ 81,000 $ 63,000
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Mortgage Loan Application Detail Totals for Magnolia Bank in 2014

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 2,343 $337,665,000 $144,000 $929,000 $66,000 $786,000
Refinancing 994 $168,389,000 $169,000 $1,320,000 $78,000 $746,000
Home Improvement 28 $2,993,000 $106,000 $350,000 $97,000 $793,000

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 2,666 $395,865,000 $148,000 $929,000 $70,000 $793,000
Not Provided 396 $67,221,000 $169,000 $1,320,000 $70,000 $300,000
Black or African American 159 $24,331,000 $153,000 $525,000 $60,000 $280,000
Hispanic 62 $8,565,000 $138,000 $417,000 $63,000 $304,000
Asian 45 $7,244,000 $160,000 $612,000 $76,000 $402,000
Not applicable 15 $2,379,000 $158,000 $291,000 $6,000 $66,000
American Indian or Alaskan Native 13 $1,859,000 $143,000 $340,000 $72,000 $199,000
Native Hawaiian or Other Pacific Islander 9 $1,583,000 $175,000 $301,000 $77,000 $106,000

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) 1,646 $268,368,000 $163,000 $1,320,000 $85,000 $793,000
FHA-insured (Federal Housing Administration) 922 $130,509,000 $141,000 $539,000 $56,000 $220,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 536 $61,301,000 $114,000 $910,000 $42,000 $389,000
VA-guaranteed (Veterans Administration) 261 $48,869,000 $187,000 $929,000 $72,000 $425,000

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 2,338 $342,887,000 $146,000 $929,000 $69,000 $793,000
Application Denied By Financial Institution 424 $68,614,000 $161,000 $539,000 $62,000 $350,000
Application Withdrawn By Applicant 295 $52,230,000 $177,000 $1,320,000 $74,000 $300,000
Application Approved But Not Accepted 205 $29,934,000 $146,000 $840,000 $70,000 $468,000
Loan Purchased By The Institution 103 $15,382,000 $149,000 $416,000 $84,000 $746,000
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 130 $22,668,000 $174,000 $539,000 $49,000 $251,000
Credit History 96 $14,810,000 $154,000 $417,000 $67,000 $350,000
Collateral 93 $13,485,000 $145,000 $497,000 $74,000 $291,000
Other 50 $8,518,000 $170,000 $362,000 $67,000 $304,000
Unverifiable Information 22 $5,016,000 $228,000 $461,000 $79,000 $330,000
Employment History 19 $2,284,000 $120,000 $358,000 $44,000 $128,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,464,000 $133,000 $270,000 $50,000 $96,000
Mortgage Insurance Denied 2 $253,000 $126,000 $129,000 $75,000 $102,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank's 2014 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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