Magnolia Bank Mortgage Lending & HMDA Data, 2022

In 2022, Magnolia Bank of Hodgenville, KY reported 5,558 mortgage applications totaling $1.5 billion, down 61% from 2021. The average application was for $268,342, and applicants reported an average income of $94,790. 74% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (457), Louisville/Jefferson County, KY-IN (276) and Gulfport-Biloxi-Pascagoula, MS (178) (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 5,558
Total Mortgage Loan Application Amount $1,491,450,000
Average Mortgage Loan Application Amount $268,342
Highest Mortgage Loan Application Amount $2,855,000
Average Applicant Income $94,790
Highest Applicant Income $2,124,000

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Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 157 $ 37,625,000 $ 239,649 $ 87,000
Carroll, Georgia 133 $ 31,535,000 $ 237,105 $ 87,000
Harrison, Mississippi 126 $ 29,800,000 $ 236,507 $ 94,000
Hardin, Kentucky 96 $ 20,530,000 $ 213,854 $ 100,000
Haralson, Georgia 73 $ 15,975,000 $ 218,835 $ 96,000
Harris, Texas 71 $ 19,575,000 $ 275,704 $ 97,000
Florence, South Carolina 60 $ 13,060,000 $ 217,666 $ 83,000
Madison, Georgia 57 $ 12,395,000 $ 217,456 $ 101,000
Maricopa, Arizona 50 $ 17,460,000 $ 349,200 $ 92,000
Lexington, South Carolina 44 $ 9,770,000 $ 222,045 $ 88,000
Nelson, Kentucky 42 $ 9,120,000 $ 217,142 $ 82,000
Graves, Kentucky 36 $ 6,260,000 $ 173,888 $ 84,000
Effingham, Georgia 35 $ 7,395,000 $ 211,285 $ 103,000
Clark, Nevada 35 $ 12,515,000 $ 357,571 $ 81,000
Aiken, South Carolina 35 $ 7,645,000 $ 218,428 $ 83,000
Richland, South Carolina 34 $ 9,390,000 $ 276,176 $ 104,000
Fairfield, Connecticut 33 $ 11,945,000 $ 361,969 $ 108,000
Calloway, Kentucky 33 $ 5,695,000 $ 172,575 $ 76,000
Elbert, Georgia 32 $ 4,930,000 $ 154,062 $ 91,000
Clark, Indiana 32 $ 6,750,000 $ 210,937 $ 84,000
Jackson, Mississippi 32 $ 7,990,000 $ 249,687 $ 100,000
Newton, Georgia 31 $ 7,555,000 $ 243,709 $ 83,000
McCracken, Kentucky 31 $ 5,675,000 $ 183,064 $ 68,000
Madison, Mississippi 30 $ 11,120,000 $ 370,666 $ 143,000
Riverside, California 29 $ 11,425,000 $ 393,965 $ 101,000
Lowndes, Mississippi 29 $ 5,695,000 $ 196,379 $ 80,000
Marion, Tennessee 29 $ 8,275,000 $ 285,344 $ 110,000
Parker, Texas 29 $ 9,515,000 $ 328,103 $ 124,000
Bullitt, Kentucky 28 $ 7,260,000 $ 259,285 $ 84,000
Horry, South Carolina 27 $ 6,395,000 $ 236,851 $ 85,000
Wise, Texas 27 $ 9,255,000 $ 342,777 $ 128,000
Chatham, Georgia 26 $ 7,410,000 $ 285,000 $ 96,000
Gwinnett, Georgia 26 $ 7,520,000 $ 289,230 $ 83,000
Buncombe, North Carolina 26 $ 6,360,000 $ 244,615 $ 86,000
Wake, North Carolina 26 $ 8,840,000 $ 340,000 $ 103,000
Troup, Georgia 25 $ 5,335,000 $ 213,400 $ 84,000
Tarrant, Texas 25 $ 7,535,000 $ 301,400 $ 127,000
Cobb, Georgia 23 $ 7,315,000 $ 318,043 $ 82,000
Hart, Georgia 23 $ 5,785,000 $ 251,521 $ 81,000
Warren, Kentucky 23 $ 5,575,000 $ 242,391 $ 84,000
Denton, Texas 23 $ 7,975,000 $ 346,739 $ 132,000
Broward, Florida 22 $ 6,120,000 $ 278,181 $ 125,000
Douglas, Georgia 22 $ 5,940,000 $ 270,000 $ 106,000
Greenville, South Carolina 22 $ 5,760,000 $ 261,818 $ 74,000
Navarro, Texas 22 $ 5,020,000 $ 228,181 $ 97,000
Marshall, Kentucky 21 $ 3,065,000 $ 145,952 $ 57,000
Plymouth, Massachusetts 21 $ 9,845,000 $ 468,809 $ 102,000
Los Angeles, California 20 $ 11,710,000 $ 585,500 $ 90,000
Jackson, Georgia 20 $ 6,280,000 $ 314,000 $ 132,000
Cuyahoga, Ohio 20 $ 4,360,000 $ 218,000 $ 92,000
Pima, Arizona 19 $ 5,255,000 $ 276,578 $ 82,000
Edmonson, Kentucky 19 $ 4,145,000 $ 218,157 $ 89,000
Larue, Kentucky 19 $ 2,575,000 $ 135,526 $ 73,000
Shelby, Kentucky 19 $ 5,155,000 $ 271,315 $ 104,000
Prince George's, Maryland 19 $ 6,115,000 $ 321,842 $ 86,000
Pierce, Washington 19 $ 6,615,000 $ 348,157 $ 91,000
Madison, Alabama 18 $ 4,800,000 $ 266,666 $ 100,000
Suffolk, Massachusetts 18 $ 13,070,000 $ 726,111 $ 216,000
New Castle, Delaware 17 $ 4,935,000 $ 290,294 $ 79,000
Henry, Georgia 17 $ 6,055,000 $ 356,176 $ 96,000
Cook, Illinois 17 $ 4,235,000 $ 249,117 $ 68,000
Davidson, Tennessee 17 $ 5,245,000 $ 308,529 $ 119,000
Montgomery, Texas 17 $ 6,285,000 $ 369,705 $ 183,000
San Diego, California 16 $ 8,390,000 $ 524,375 $ 117,000
Walton, Georgia 16 $ 4,450,000 $ 278,125 $ 82,000
Cumberland, North Carolina 16 $ 3,920,000 $ 245,000 $ 90,000
Fort Bend, Texas 16 $ 6,430,000 $ 401,875 $ 177,000
Johnson, Texas 16 $ 5,370,000 $ 335,625 $ 126,000
New Haven, Connecticut 15 $ 4,605,000 $ 307,000 $ 100,000
Brevard, Florida 15 $ 3,525,000 $ 235,000 $ 64,000
Pinal, Arizona 14 $ 4,910,000 $ 350,714 $ 93,000
El Paso, Colorado 14 $ 4,640,000 $ 331,428 $ 99,000
Miami-Dade, Florida 14 $ 4,040,000 $ 288,571 $ 102,000
Coweta, Georgia 14 $ 4,200,000 $ 300,000 $ 94,000
Oglethorpe, Georgia 14 $ 3,360,000 $ 240,000 $ 85,000
Bristol, Massachusetts 14 $ 4,560,000 $ 325,714 $ 80,000
Mecklenburg, North Carolina 14 $ 4,670,000 $ 333,571 $ 71,000
Darlington, South Carolina 14 $ 2,840,000 $ 202,857 $ 71,000
Spartanburg, South Carolina 14 $ 3,150,000 $ 225,000 $ 74,000
Hardin, Tennessee 14 $ 2,200,000 $ 157,142 $ 68,000
Dallas, Texas 14 $ 4,180,000 $ 298,571 $ 103,000
Cleburne, Alabama 13 $ 2,405,000 $ 185,000 $ 79,000
Hillsborough, Florida 13 $ 3,595,000 $ 276,538 $ 95,000
Lee, Florida 13 $ 3,745,000 $ 288,076 $ 88,000
Paulding, Georgia 13 $ 3,555,000 $ 273,461 $ 85,000
Rockdale, Georgia 13 $ 4,285,000 $ 329,615 $ 84,000
Taylor, Kentucky 13 $ 1,875,000 $ 144,230 $ 68,000
Trigg, Kentucky 13 $ 2,025,000 $ 155,769 $ 83,000
Hancock, Mississippi 13 $ 2,595,000 $ 199,615 $ 74,000
Charleston, South Carolina 13 $ 4,655,000 $ 358,076 $ 83,000
Bedford, Tennessee 13 $ 2,935,000 $ 225,769 $ 86,000
Clarke, Georgia 12 $ 2,450,000 $ 204,166 $ 77,000
Fulton, Georgia 12 $ 4,510,000 $ 375,833 $ 88,000
Vermilion, Illinois 12 $ 1,650,000 $ 137,500 $ 72,000
Oldham, Kentucky 12 $ 3,870,000 $ 322,500 $ 100,000
Bernalillo, New Mexico 12 $ 3,290,000 $ 274,166 $ 107,000
Onslow, North Carolina 12 $ 2,820,000 $ 235,000 $ 86,000
Beaufort, South Carolina 12 $ 3,680,000 $ 306,666 $ 138,000
Ellis, Texas 12 $ 4,120,000 $ 343,333 $ 122,000
Palo Pinto, Texas 12 $ 2,500,000 $ 208,333 $ 137,000
Baldwin, Alabama 11 $ 2,865,000 $ 260,454 $ 81,000
Hartford, Connecticut 11 $ 3,175,000 $ 288,636 $ 93,000
Duval, Florida 11 $ 3,665,000 $ 333,181 $ 90,000
St. Johns, Florida 11 $ 4,175,000 $ 379,545 $ 215,000
Hall, Georgia 11 $ 3,325,000 $ 302,272 $ 116,000
Floyd, Indiana 11 $ 2,095,000 $ 190,454 $ 78,000
Barren, Kentucky 11 $ 2,445,000 $ 222,272 $ 69,000
Middlesex, Massachusetts 11 $ 5,695,000 $ 517,727 $ 111,000
Boone, Missouri 11 $ 3,965,000 $ 360,454 $ 158,000
Oklahoma, Oklahoma 11 $ 2,805,000 $ 255,000 $ 85,000
Salt Lake, Utah 11 $ 4,255,000 $ 386,818 $ 133,000
Prince William, Virginia 11 $ 4,465,000 $ 405,909 $ 131,000
San Bernardino, California 10 $ 3,490,000 $ 349,000 $ 87,000
Heard, Georgia 10 $ 2,220,000 $ 222,000 $ 75,000
Norfolk, Massachusetts 10 $ 4,450,000 $ 445,000 $ 130,000
Bergen, New Jersey 10 $ 4,100,000 $ 410,000 $ 161,000
Hoke, North Carolina 10 $ 2,420,000 $ 242,000 $ 95,000
Summit, Ohio 10 $ 2,030,000 $ 203,000 $ 98,000
Dorchester, South Carolina 10 $ 2,960,000 $ 296,000 $ 79,000
Orangeburg, South Carolina 10 $ 2,470,000 $ 247,000 $ 77,000
Chesterfield, Virginia 10 $ 3,350,000 $ 335,000 $ 107,000
Virginia Beach, Virginia 10 $ 3,250,000 $ 325,000 $ 89,000
Anchorage, Alaska 9 $ 2,945,000 $ 327,222 $ 128,000
Kern, California 9 $ 2,115,000 $ 235,000 $ 92,000
Pinellas, Florida 9 $ 2,705,000 $ 300,555 $ 73,000
Barrow, Georgia 9 $ 1,905,000 $ 211,666 $ 69,000
DeKalb, Georgia 9 $ 2,725,000 $ 302,777 $ 85,000
Liberty, Georgia 9 $ 2,045,000 $ 227,222 $ 91,000
Adair, Kentucky 9 $ 1,185,000 $ 131,666 $ 55,000
Grayson, Kentucky 9 $ 1,595,000 $ 177,222 $ 86,000
Russell, Kentucky 9 $ 1,455,000 $ 161,666 $ 65,000
Rankin, Mississippi 9 $ 2,035,000 $ 226,111 $ 87,000
Jackson, Missouri 9 $ 2,285,000 $ 253,888 $ 74,000
Scott, Missouri 9 $ 1,365,000 $ 151,666 $ 62,000
St. Louis, Missouri 9 $ 2,015,000 $ 223,888 $ 57,000
Washoe, Nevada 9 $ 3,215,000 $ 357,222 $ 92,000
Franklin, North Carolina 9 $ 2,625,000 $ 291,666 $ 83,000
Henderson, North Carolina 9 $ 2,115,000 $ 235,000 $ 80,000
Pitt, North Carolina 9 $ 2,025,000 $ 225,000 $ 90,000
Anderson, South Carolina 9 $ 1,935,000 $ 215,000 $ 99,000
Laurens, South Carolina 9 $ 1,785,000 $ 198,333 $ 69,000
Collin, Texas 9 $ 3,555,000 $ 395,000 $ 288,000
Travis, Texas 9 $ 3,315,000 $ 368,333 $ 116,000
Mohave, Arizona 8 $ 1,770,000 $ 221,250 $ 52,000
Yavapai, Arizona 8 $ 2,160,000 $ 270,000 $ 60,000
Craighead, Arkansas 8 $ 1,490,000 $ 186,250 $ 59,000
Shasta, California 8 $ 2,770,000 $ 346,250 $ 250,000
Orange, Florida 8 $ 2,720,000 $ 340,000 $ 128,000
Pasco, Florida 8 $ 2,980,000 $ 372,500 $ 109,000
Oconee, Georgia 8 $ 2,730,000 $ 341,250 $ 115,000
Polk, Georgia 8 $ 1,960,000 $ 245,000 $ 77,000
Anderson, Kentucky 8 $ 1,730,000 $ 216,250 $ 67,000
Baltimore, Maryland 8 $ 2,570,000 $ 321,250 $ 96,000
Charles, Maryland 8 $ 2,780,000 $ 347,500 $ 115,000
Hennepin, Minnesota 8 $ 2,010,000 $ 251,250 $ 80,000
Suffolk, New York 8 $ 2,880,000 $ 360,000 $ 117,000
Haywood, North Carolina 8 $ 1,310,000 $ 163,750 $ 89,000
Jackson, Oregon 8 $ 2,700,000 $ 337,500 $ 87,000
Philadelphia, Pennsylvania 8 $ 1,700,000 $ 212,500 $ 78,000
Berkeley, South Carolina 8 $ 2,640,000 $ 330,000 $ 91,000
McNairy, Tennessee 8 $ 1,060,000 $ 132,500 $ 46,000
Bexar, Texas 8 $ 2,110,000 $ 263,750 $ 106,000
Grayson, Texas 8 $ 2,650,000 $ 331,250 $ 126,000
Hays, Texas 8 $ 3,010,000 $ 376,250 $ 110,000
Norfolk, Virginia 8 $ 2,100,000 $ 262,500 $ 68,000
Portsmouth, Virginia 8 $ 1,960,000 $ 245,000 $ 80,000
Berkeley, West Virginia 8 $ 2,270,000 $ 283,750 $ 85,000
Mobile, Alabama 7 $ 1,575,000 $ 225,000 $ 65,000
Montgomery, Alabama 7 $ 1,355,000 $ 193,571 $ 186,000
Solano, California 7 $ 3,135,000 $ 447,857 $ 139,000
Litchfield, Connecticut 7 $ 1,975,000 $ 282,142 $ 133,000
District of Columbia, District Of Columbia 7 $ 3,285,000 $ 469,285 $ 129,000
Santa Rosa, Florida 7 $ 2,285,000 $ 326,428 $ 108,000
Franklin, Georgia 7 $ 1,525,000 $ 217,857 $ 73,000
Hamilton, Indiana 7 $ 1,915,000 $ 273,571 $ 88,000
Jefferson, Indiana 7 $ 1,185,000 $ 169,285 $ 77,000
Marion, Indiana 7 $ 1,675,000 $ 239,285 $ 79,000
Sedgwick, Kansas 7 $ 2,145,000 $ 306,428 $ 153,000
Fayette, Kentucky 7 $ 1,935,000 $ 276,428 $ 121,000
Marion, Kentucky 7 $ 1,145,000 $ 163,571 $ 66,000
Simpson, Kentucky 7 $ 1,045,000 $ 149,285 $ 56,000
Spencer, Kentucky 7 $ 1,895,000 $ 270,714 $ 95,000
Oktibbeha, Mississippi 7 $ 985,000 $ 140,714 $ 110,000
Stone, Mississippi 7 $ 1,495,000 $ 213,571 $ 90,000
St. Charles, Missouri 7 $ 1,935,000 $ 276,428 $ 97,000
St. Francois, Missouri 7 $ 1,145,000 $ 163,571 $ 66,000
Dona Ana, New Mexico 7 $ 1,875,000 $ 267,857 $ 81,000
Brunswick, North Carolina 7 $ 1,815,000 $ 259,285 $ 63,000
Cabarrus, North Carolina 7 $ 2,295,000 $ 327,857 $ 109,000
Gaston, North Carolina 7 $ 1,925,000 $ 275,000 $ 76,000
Guilford, North Carolina 7 $ 1,485,000 $ 212,142 $ 75,000
Moore, North Carolina 7 $ 2,945,000 $ 420,714 $ 97,000
Hamilton, Ohio 7 $ 1,345,000 $ 192,142 $ 405,000
Marion, Oregon 7 $ 2,495,000 $ 356,428 $ 88,000
Kershaw, South Carolina 7 $ 2,025,000 $ 289,285 $ 112,000
Sumter, South Carolina 7 $ 1,205,000 $ 172,142 $ 59,000
Hamilton, Tennessee 7 $ 2,715,000 $ 387,857 $ 100,000
Shelby, Tennessee 7 $ 1,625,000 $ 232,142 $ 96,000
Sumner, Tennessee 7 $ 1,515,000 $ 216,428 $ 50,000
Williamson, Texas 7 $ 2,645,000 $ 377,857 $ 155,000
Utah, Utah 7 $ 2,765,000 $ 395,000 $ 76,000
Thurston, Washington 7 $ 2,335,000 $ 333,571 $ 93,000
Limestone, Alabama 6 $ 1,920,000 $ 320,000 $ 103,000
Randolph, Alabama 6 $ 2,210,000 $ 368,333 $ 184,000
Matanuska-Susitna, Alaska 6 $ 2,200,000 $ 366,666 $ 87,000
San Joaquin, California 6 $ 2,400,000 $ 400,000 $ 96,000
Adams, Colorado 6 $ 1,940,000 $ 323,333 $ 67,000
Pueblo, Colorado 6 $ 1,700,000 $ 283,333 $ 88,000
Kent, Delaware 6 $ 1,960,000 $ 326,666 $ 95,000
Marion, Florida 6 $ 920,000 $ 153,333 $ 54,000
Palm Beach, Florida 6 $ 2,340,000 $ 390,000 $ 110,000
Banks, Georgia 6 $ 1,560,000 $ 260,000 $ 92,000
Forsyth, Georgia 6 $ 2,140,000 $ 356,666 $ 114,000
Harris, Georgia 6 $ 1,660,000 $ 276,666 $ 78,000
Stephens, Georgia 6 $ 1,210,000 $ 201,666 $ 82,000
Ada, Idaho 6 $ 2,300,000 $ 383,333 $ 61,000
Canyon, Idaho 6 $ 1,550,000 $ 258,333 $ 57,000
Kane, Illinois 6 $ 1,810,000 $ 301,666 $ 100,000
Johnson, Indiana 6 $ 1,690,000 $ 281,666 $ 66,000
Johnson, Kansas 6 $ 1,510,000 $ 251,666 $ 92,000
Franklin, Kentucky 6 $ 840,000 $ 140,000 $ 81,000
Logan, Kentucky 6 $ 1,060,000 $ 176,666 $ 73,000
Wayne, Michigan 6 $ 1,510,000 $ 251,666 $ 97,000
Clay, Mississippi 6 $ 940,000 $ 156,666 $ 88,000
Yellowstone, Montana 6 $ 1,570,000 $ 261,666 $ 60,000
Sarpy, Nebraska 6 $ 1,770,000 $ 295,000 $ 110,000
Rockingham, New Hampshire 6 $ 2,480,000 $ 413,333 $ 97,000
Burlington, New Jersey 6 $ 1,420,000 $ 236,666 $ 82,000
Sandoval, New Mexico 6 $ 2,210,000 $ 368,333 $ 107,000
Orange, New York 6 $ 1,920,000 $ 320,000 $ 126,000
Westchester, New York 6 $ 3,080,000 $ 513,333 $ 229,000
Catawba, North Carolina 6 $ 1,480,000 $ 246,666 $ 369,000
Franklin, Ohio 6 $ 1,250,000 $ 208,333 $ 123,000
Licking, Ohio 6 $ 1,730,000 $ 288,333 $ 97,000
Lorain, Ohio 6 $ 2,040,000 $ 340,000 $ 95,000
Lane, Oregon 6 $ 1,770,000 $ 295,000 $ 73,000
Cumberland, Pennsylvania 6 $ 1,380,000 $ 230,000 $ 82,000
Northampton, Pennsylvania 6 $ 1,320,000 $ 220,000 $ 105,000
Calhoun, South Carolina 6 $ 1,410,000 $ 235,000 $ 90,000
Clarendon, South Carolina 6 $ 790,000 $ 131,666 $ 84,000
Grundy, Tennessee 6 $ 1,380,000 $ 230,000 $ 63,000
Montgomery, Tennessee 6 $ 1,640,000 $ 273,333 $ 68,000
Rutherford, Tennessee 6 $ 2,320,000 $ 386,666 $ 88,000
Williamson, Tennessee 6 $ 2,490,000 $ 415,000 $ 149,000
Weber, Utah 6 $ 2,310,000 $ 385,000 $ 91,000
Jackson, Alabama 5 $ 825,000 $ 165,000 $ 92,000
Pulaski, Arkansas 5 $ 985,000 $ 197,000 $ 80,000
Contra Costa, California 5 $ 2,375,000 $ 475,000 $ 116,000
Fresno, California 5 $ 1,445,000 $ 289,000 $ 71,000
Sonoma, California 5 $ 2,355,000 $ 471,000 $ 155,000
Denver, Colorado 5 $ 2,205,000 $ 441,000 $ 75,000
Bay, Florida 5 $ 1,155,000 $ 231,000 $ 89,000
Clay, Florida 5 $ 1,275,000 $ 255,000 $ 71,000
Escambia, Florida 5 $ 1,145,000 $ 229,000 $ 92,000
Okaloosa, Florida 5 $ 1,165,000 $ 233,000 $ 106,000
Sarasota, Florida 5 $ 1,515,000 $ 303,000 $ 97,000
Bulloch, Georgia 5 $ 1,025,000 $ 205,000 $ 68,000
Clayton, Georgia 5 $ 1,065,000 $ 213,000 $ 45,000
Lowndes, Georgia 5 $ 1,185,000 $ 237,000 $ 71,000
Will, Illinois 5 $ 1,215,000 $ 243,000 $ 67,000
Allen, Kentucky 5 $ 965,000 $ 193,000 $ 66,000
Breckinridge, Kentucky 5 $ 775,000 $ 155,000 $ 79,000
Crittenden, Kentucky 5 $ 565,000 $ 113,000 $ 46,000
Hart, Kentucky 5 $ 1,355,000 $ 271,000 $ 85,000
York, Maine 5 $ 1,335,000 $ 267,000 $ 88,000
Anne Arundel, Maryland 5 $ 1,915,000 $ 383,000 $ 149,000
Montgomery, Maryland 5 $ 2,265,000 $ 453,000 $ 90,000
Hampden, Massachusetts 5 $ 1,335,000 $ 267,000 $ 67,000
Genesee, Michigan 5 $ 1,155,000 $ 231,000 $ 88,000
Oakland, Michigan 5 $ 1,135,000 $ 227,000 $ 86,000
Anoka, Minnesota 5 $ 1,715,000 $ 343,000 $ 105,000
Ramsey, Minnesota 5 $ 1,215,000 $ 243,000 $ 166,000
DeSoto, Mississippi 5 $ 1,985,000 $ 397,000 $ 110,000
Lyon, Nevada 5 $ 1,735,000 $ 347,000 $ 77,000
Merrimack, New Hampshire 5 $ 1,465,000 $ 293,000 $ 68,000
Essex, New Jersey 5 $ 1,195,000 $ 239,000 $ 94,000
Morris, New Jersey 5 $ 1,995,000 $ 399,000 $ 115,000
Monroe, New York 5 $ 815,000 $ 163,000 $ 77,000
Nassau, New York 5 $ 2,535,000 $ 507,000 $ 157,000
Iredell, North Carolina 5 $ 1,215,000 $ 243,000 $ 79,000
Johnston, North Carolina 5 $ 1,395,000 $ 279,000 $ 74,000
Rowan, North Carolina 5 $ 1,355,000 $ 271,000 $ 87,000
Butler, Ohio 5 $ 1,135,000 $ 227,000 $ 211,000
Douglas, Oregon 5 $ 1,365,000 $ 273,000 $ 71,000
Lincoln, Oregon 5 $ 2,155,000 $ 431,000 $ 385,000
Bucks, Pennsylvania 5 $ 1,705,000 $ 341,000 $ 97,000
Monroe, Pennsylvania 5 $ 1,495,000 $ 299,000 $ 105,000
Barnwell, South Carolina 5 $ 1,145,000 $ 229,000 $ 62,000
Kaufman, Texas 5 $ 1,265,000 $ 253,000 $ 95,000
Newport News, Virginia 5 $ 1,145,000 $ 229,000 $ 73,000
Spotsylvania, Virginia 5 $ 1,725,000 $ 345,000 $ 135,000
Winchester, Virginia 5 $ 895,000 $ 179,000 $ 124,000
Clark, Washington 5 $ 1,565,000 $ 313,000 $ 76,000
Skagit, Washington 5 $ 1,915,000 $ 383,000 $ 79,000
Milwaukee, Wisconsin 5 $ 1,395,000 $ 279,000 $ 80,000
Calhoun, Alabama 4 $ 1,100,000 $ 275,000 $ 77,000
Marshall, Alabama 4 $ 990,000 $ 247,500 $ 104,000
Shelby, Alabama 4 $ 1,060,000 $ 265,000 $ 122,000
Cochise, Arizona 4 $ 1,050,000 $ 262,500 $ 94,000
Grant, Arkansas 4 $ 400,000 $ 100,000 $ 64,000
Merced, California 4 $ 1,700,000 $ 425,000 $ 77,000
Sacramento, California 4 $ 1,400,000 $ 350,000 $ 79,000
Arapahoe, Colorado 4 $ 1,610,000 $ 402,500 $ 96,000
Charlotte, Florida 4 $ 1,100,000 $ 275,000 $ 70,000
Hernando, Florida 4 $ 1,190,000 $ 297,500 $ 54,000
St. Lucie, Florida 4 $ 1,280,000 $ 320,000 $ 90,000
Washington, Florida 4 $ 740,000 $ 185,000 $ 61,000
Catoosa, Georgia 4 $ 890,000 $ 222,500 $ 69,000
Cherokee, Georgia 4 $ 1,210,000 $ 302,500 $ 102,000
Morgan, Georgia 4 $ 1,270,000 $ 317,500 $ 142,000
Union, Georgia 4 $ 1,090,000 $ 272,500 $ 164,000
Kootenai, Idaho 4 $ 1,180,000 $ 295,000 $ 63,000
Allen, Indiana 4 $ 1,060,000 $ 265,000 $ 85,000
Washington, Indiana 4 $ 880,000 $ 220,000 $ 77,000
Hopkins, Kentucky 4 $ 830,000 $ 207,500 $ 71,000
Livingston, Kentucky 4 $ 760,000 $ 190,000 $ 67,000
Meade, Kentucky 4 $ 780,000 $ 195,000 $ 107,000
Washington, Kentucky 4 $ 590,000 $ 147,500 $ 54,000
Calcasieu, Louisiana 4 $ 1,080,000 $ 270,000 $ 93,000
East Baton Rouge, Louisiana 4 $ 1,170,000 $ 292,500 $ 73,000
Kennebec, Maine 4 $ 990,000 $ 247,500 $ 74,000
Baltimore City, Maryland 4 $ 910,000 $ 227,500 $ 98,000
Carroll, Maryland 4 $ 1,470,000 $ 367,500 $ 116,000
St. Mary's, Maryland 4 $ 1,130,000 $ 282,500 $ 140,000
Essex, Massachusetts 4 $ 1,390,000 $ 347,500 $ 123,000
Worcester, Massachusetts 4 $ 1,730,000 $ 432,500 $ 90,000
Macomb, Michigan 4 $ 960,000 $ 240,000 $ 68,000
Lafayette, Mississippi 4 $ 1,050,000 $ 262,500 $ 111,000
Monroe, Mississippi 4 $ 480,000 $ 120,000 $ 61,000
Washington, Missouri 4 $ 390,000 $ 97,500 $ 27,000
Douglas, Nebraska 4 $ 910,000 $ 227,500 $ 98,000
Elko, Nevada 4 $ 1,010,000 $ 252,500 $ 85,000
Hillsborough, New Hampshire 4 $ 1,430,000 $ 357,500 $ 89,000
Camden, New Jersey 4 $ 920,000 $ 230,000 $ 73,000
Passaic, New Jersey 4 $ 1,120,000 $ 280,000 $ 91,000
Santa Fe, New Mexico 4 $ 890,000 $ 222,500 $ 133,000
Bronx, New York 4 $ 1,870,000 $ 467,500 $ 439,000
Kings, New York 4 $ 2,650,000 $ 662,500 $ 63,000
Alamance, North Carolina 4 $ 1,050,000 $ 262,500 $ 58,000
Lincoln, North Carolina 4 $ 1,020,000 $ 255,000 $ 65,000
Wayne, North Carolina 4 $ 1,100,000 $ 275,000 $ 86,000
Montgomery, Ohio 4 $ 540,000 $ 135,000 $ 422,000
Multnomah, Oregon 4 $ 1,090,000 $ 272,500 $ 438,000
Allegheny, Pennsylvania 4 $ 1,090,000 $ 272,500 $ 68,000
Chester, Pennsylvania 4 $ 1,030,000 $ 257,500 $ 72,000
Edgefield, South Carolina 4 $ 990,000 $ 247,500 $ 75,000
York, South Carolina 4 $ 1,760,000 $ 440,000 $ 113,000
Franklin, Tennessee 4 $ 940,000 $ 235,000 $ 92,000
Knox, Tennessee 4 $ 1,180,000 $ 295,000 $ 80,000
Robertson, Tennessee 4 $ 1,510,000 $ 377,500 $ 122,000
Wilson, Tennessee 4 $ 1,110,000 $ 277,500 $ 74,000
Waller, Texas 4 $ 1,660,000 $ 415,000 $ 125,000
Davis, Utah 4 $ 1,430,000 $ 357,500 $ 66,000
Chesapeake, Virginia 4 $ 1,090,000 $ 272,500 $ 82,000
Fairfax, Virginia 4 $ 1,420,000 $ 355,000 $ 93,000
Loudoun, Virginia 4 $ 2,290,000 $ 572,500 $ 206,000
Suffolk, Virginia 4 $ 1,640,000 $ 410,000 $ 122,000
Jefferson, West Virginia 4 $ 1,690,000 $ 422,500 $ 102,000
Chilton, Alabama 3 $ 625,000 $ 208,333 $ 77,000
Jefferson, Alabama 3 $ 925,000 $ 308,333 $ 71,000
Lee, Alabama 3 $ 775,000 $ 258,333 $ 99,000
Sitka, Alaska 3 $ 925,000 $ 308,333 $ 61,000
Gila, Arizona 3 $ 815,000 $ 271,666 $ 103,000
Yuma, Arizona 3 $ 445,000 $ 148,333 $ 57,000
Garland, Arkansas 3 $ 885,000 $ 295,000 $ 87,000
Miller, Arkansas 3 $ 635,000 $ 211,666 $ 65,000
Saline, Arkansas 3 $ 585,000 $ 195,000 $ 64,000
El Dorado, California 3 $ 1,285,000 $ 428,333 $ 71,000
Humboldt, California 3 $ 1,035,000 $ 345,000 $ 68,000
Stanislaus, California 3 $ 1,205,000 $ 401,666 $ 85,000
Tulare, California 3 $ 1,175,000 $ 391,666 $ 115,000
Collier, Florida 3 $ 1,115,000 $ 371,666 $ 99,000
Indian River, Florida 3 $ 975,000 $ 325,000 $ 97,000
Manatee, Florida 3 $ 835,000 $ 278,333 $ 64,000
Nassau, Florida 3 $ 575,000 $ 191,666 $ 78,000
Osceola, Florida 3 $ 765,000 $ 255,000 $ 79,000
Seminole, Florida 3 $ 1,175,000 $ 391,666 $ 90,000
Volusia, Florida 3 $ 815,000 $ 271,666 $ 112,000
Camden, Georgia 3 $ 595,000 $ 198,333 $ 116,000
Gordon, Georgia 3 $ 695,000 $ 231,666 $ 113,000
Jasper, Georgia 3 $ 895,000 $ 298,333 $ 113,000
Lee, Georgia 3 $ 785,000 $ 261,666 $ 81,000
Richmond, Georgia 3 $ 735,000 $ 245,000 $ 93,000
Spalding, Georgia 3 $ 675,000 $ 225,000 $ 56,000
Kauai, Hawaii 3 $ 1,865,000 $ 621,666 $ 91,000
Madison, Illinois 3 $ 615,000 $ 205,000 $ 214,000
McHenry, Illinois 3 $ 1,035,000 $ 345,000 $ 116,000
Bartholomew, Indiana 3 $ 785,000 $ 261,666 $ 96,000
Harrison, Indiana 3 $ 755,000 $ 251,666 $ 84,000
Lake, Indiana 3 $ 885,000 $ 295,000 $ 77,000
Scott, Indiana 3 $ 625,000 $ 208,333 $ 59,000
Leavenworth, Kansas 3 $ 965,000 $ 321,666 $ 62,000
Christian, Kentucky 3 $ 425,000 $ 141,666 $ 53,000
Henry, Kentucky 3 $ 575,000 $ 191,666 $ 91,000
Kenton, Kentucky 3 $ 775,000 $ 258,333 $ 94,000
McLean, Kentucky 3 $ 375,000 $ 125,000 $ 78,000
Woodford, Kentucky 3 $ 945,000 $ 315,000 $ 73,000
Jefferson, Louisiana 3 $ 785,000 $ 261,666 $ 109,000
Cumberland, Maine 3 $ 855,000 $ 285,000 $ 68,000
Penobscot, Maine 3 $ 855,000 $ 285,000 $ 71,000
Calvert, Maryland 3 $ 1,145,000 $ 381,666 $ 167,000
Harford, Maryland 3 $ 1,325,000 $ 441,666 $ 125,000
Hampshire, Massachusetts 3 $ 1,065,000 $ 355,000 $ 91,000
Washtenaw, Michigan 3 $ 975,000 $ 325,000 $ 121,000
Dakota, Minnesota 3 $ 1,045,000 $ 348,333 $ 85,000
Alcorn, Mississippi 3 $ 725,000 $ 241,666 $ 64,000
Hinds, Mississippi 3 $ 375,000 $ 125,000 $ 83,000
Lamar, Mississippi 3 $ 1,025,000 $ 341,666 $ 78,000
Lee, Mississippi 3 $ 725,000 $ 241,666 $ 94,000
Noxubee, Mississippi 3 $ 325,000 $ 108,333 $ 68,000
Pearl River, Mississippi 3 $ 885,000 $ 295,000 $ 115,000
Winston, Mississippi 3 $ 655,000 $ 218,333 $ 69,000
Audrain, Missouri 3 $ 565,000 $ 188,333 $ 45,000
Cass, Missouri 3 $ 675,000 $ 225,000 $ 49,000
New Madrid, Missouri 3 $ 635,000 $ 211,666 $ 66,000
Stoddard, Missouri 3 $ 345,000 $ 115,000 $ 41,000
Cascade, Montana 3 $ 855,000 $ 285,000 $ 84,000
Churchill, Nevada 3 $ 975,000 $ 325,000 $ 79,000
Nye, Nevada 3 $ 1,105,000 $ 368,333 $ 76,000
Belknap, New Hampshire 3 $ 775,000 $ 258,333 $ 52,000
Middlesex, New Jersey 3 $ 985,000 $ 328,333 $ 109,000
Monmouth, New Jersey 3 $ 765,000 $ 255,000 $ 99,000
Ocean, New Jersey 3 $ 575,000 $ 191,666 $ 91,000
Otero, New Mexico 3 $ 605,000 $ 201,666 $ 42,000
Dutchess, New York 3 $ 665,000 $ 221,666 $ 85,000
Greene, New York 3 $ 455,000 $ 151,666 $ 75,000
Putnam, New York 3 $ 995,000 $ 331,666 $ 79,000
Rockland, New York 3 $ 1,585,000 $ 528,333 $ 188,000
Saratoga, New York 3 $ 315,000 $ 105,000 $ 102,000
Cherokee, North Carolina 3 $ 835,000 $ 278,333 $ 56,000
Davidson, North Carolina 3 $ 535,000 $ 178,333 $ 58,000
Durham, North Carolina 3 $ 1,035,000 $ 345,000 $ 129,000
Forsyth, North Carolina 3 $ 865,000 $ 288,333 $ 107,000
Madison, North Carolina 3 $ 765,000 $ 255,000 $ 62,000
New Hanover, North Carolina 3 $ 1,005,000 $ 335,000 $ 117,000
Orange, North Carolina 3 $ 985,000 $ 328,333 $ 80,000
Pasquotank, North Carolina 3 $ 775,000 $ 258,333 $ 105,000
Rutherford, North Carolina 3 $ 615,000 $ 205,000 $ 42,000
Union, North Carolina 3 $ 1,125,000 $ 375,000 $ 80,000
Wilkes, North Carolina 3 $ 465,000 $ 155,000 $ 74,000
Wilson, North Carolina 3 $ 515,000 $ 171,666 $ 58,000
Burleigh, North Dakota 3 $ 945,000 $ 315,000 $ 91,000
Ashland, Ohio 3 $ 615,000 $ 205,000 $ 56,000
Lucas, Ohio 3 $ 695,000 $ 231,666 $ 148,000
Ottawa, Ohio 3 $ 915,000 $ 305,000 $ 125,000
Portage, Ohio 3 $ 425,000 $ 141,666 $ 83,000
Stark, Ohio 3 $ 365,000 $ 121,666 $ 75,000
Warren, Ohio 3 $ 705,000 $ 235,000 $ 63,000
Comanche, Oklahoma 3 $ 845,000 $ 281,666 $ 105,000
Tulsa, Oklahoma 3 $ 905,000 $ 301,666 $ 109,000
Deschutes, Oregon 3 $ 895,000 $ 298,333 $ 47,000
Providence, Rhode Island 3 $ 1,045,000 $ 348,333 $ 134,000
Colleton, South Carolina 3 $ 505,000 $ 168,333 $ 38,000
Dillon, South Carolina 3 $ 495,000 $ 165,000 $ 97,000
Georgetown, South Carolina 3 $ 1,285,000 $ 428,333 $ 123,000
Marion, South Carolina 3 $ 535,000 $ 178,333 $ 77,000
Newberry, South Carolina 3 $ 885,000 $ 295,000 $ 86,000
Blount, Tennessee 3 $ 585,000 $ 195,000 $ 58,000
Lincoln, Tennessee 3 $ 675,000 $ 225,000 $ 40,000
Maury, Tennessee 3 $ 575,000 $ 191,666 $ 44,000
Tipton, Tennessee 3 $ 895,000 $ 298,333 $ 77,000
Warren, Tennessee 3 $ 635,000 $ 211,666 $ 94,000
Brazoria, Texas 3 $ 1,035,000 $ 345,000 $ 162,000
Guadalupe, Texas 3 $ 825,000 $ 275,000 $ 89,000
Hood, Texas 3 $ 955,000 $ 318,333 $ 118,000
Jefferson, Texas 3 $ 435,000 $ 145,000 $ 67,000
Leon, Texas 3 $ 595,000 $ 198,333 $ 78,000
Orange, Texas 3 $ 505,000 $ 168,333 $ 66,000
Hampton, Virginia 3 $ 635,000 $ 211,666 $ 72,000
Louisa, Virginia 3 $ 1,005,000 $ 335,000 $ 108,000
Roanoke, Virginia 3 $ 595,000 $ 198,333 $ 56,000
Stafford, Virginia 3 $ 1,435,000 $ 478,333 $ 149,000
Cowlitz, Washington 3 $ 1,095,000 $ 365,000 $ 91,000
King, Washington 3 $ 1,325,000 $ 441,666 $ 129,000
Kitsap, Washington 3 $ 1,215,000 $ 405,000 $ 64,000
Waukesha, Wisconsin 3 $ 1,485,000 $ 495,000 $ 114,000
Chambers, Alabama 2 $ 290,000 $ 145,000 $ 47,000
St. Clair, Alabama 2 $ 740,000 $ 370,000 $ 93,000
Winston, Alabama 2 $ 220,000 $ 110,000 $ 28,000
Fairbanks North Star, Alaska 2 $ 510,000 $ 255,000 $ 81,000
Santa Cruz, Arizona 2 $ 320,000 $ 160,000 $ 42,000
Benton, Arkansas 2 $ 350,000 $ 175,000 $ 81,000
Faulkner, Arkansas 2 $ 630,000 $ 315,000 $ 124,000
Hot Spring, Arkansas 2 $ 280,000 $ 140,000 $ 48,000
Lonoke, Arkansas 2 $ 320,000 $ 160,000 $ 56,000
Alameda, California 2 $ 940,000 $ 470,000 $ 93,000
Imperial, California 2 $ 530,000 $ 265,000 $ 185,000
Placer, California 2 $ 750,000 $ 375,000 $ 101,000
Tehama, California 2 $ 560,000 $ 280,000 $ 55,000
Ventura, California 2 $ 1,270,000 $ 635,000 $ 134,000
Yolo, California 2 $ 820,000 $ 410,000 $ 63,000
Jefferson, Colorado 2 $ 640,000 $ 320,000 $ 52,000
Larimer, Colorado 2 $ 530,000 $ 265,000 $ 51,000
Weld, Colorado 2 $ 740,000 $ 370,000 $ 71,000
New London, Connecticut 2 $ 600,000 $ 300,000 $ 93,000
Sussex, Delaware 2 $ 520,000 $ 260,000 $ 94,000
Highlands, Florida 2 $ 210,000 $ 105,000 $ 47,000
Holmes, Florida 2 $ 300,000 $ 150,000 $ 50,000
Lake, Florida 2 $ 590,000 $ 295,000 $ 43,000
Levy, Florida 2 $ 310,000 $ 155,000 $ 80,000
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Mortgage Loan Application Detail Totals for Magnolia Bank in 2022

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 2,692 $688,600,000 $255,000 $1,215,000 $96,000 $1,874,000
Cash-out Refinancing 2,309 $681,305,000 $295,000 $2,855,000 $91,000 $2,124,000
Refinancing 394 $92,910,000 $235,000 $2,265,000 $107,000 $1,453,000
Home Improvement 93 $15,105,000 $162,000 $605,000 $102,000 $850,000
Other Purpose 70 $13,530,000 $193,000 $845,000 $95,000 $864,000
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 3,836 $981,920,000 $255,000 $2,855,000 $94,000 $2,124,000
Black or African American 779 $235,565,000 $302,000 $1,175,000 $89,000 $864,000
Hispanic 407 $123,595,000 $303,000 $1,175,000 $97,000 $876,000
Not Provided 326 $87,610,000 $268,000 $845,000 $97,000 $409,000
Asian 92 $29,260,000 $318,000 $1,215,000 $109,000 $519,000
American Indian or Alaskan Native 60 $18,800,000 $313,000 $635,000 $131,000 $1,453,000
Not applicable 38 $8,340,000 $219,000 $1,165,000 $0 $0
Native Hawaiian or Other Pacific Islander 12 $3,690,000 $307,000 $435,000 $93,000 $156,000

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) 2,551 $660,825,000 $259,000 $2,855,000 $110,000 $2,124,000
VA-guaranteed (Veterans Administration) 1,833 $566,625,000 $309,000 $1,065,000 $86,000 $321,000
FHA-insured (Federal Housing Administration) 937 $223,245,000 $238,000 $1,215,000 $76,000 $519,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 237 $40,755,000 $171,000 $415,000 $57,000 $116,000

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 4,122 $1,086,000,000 $263,000 $1,165,000 $95,000 $1,874,000
Application Withdrawn By Applicant 787 $221,795,000 $281,000 $1,175,000 $97,000 $2,124,000
Application Denied By Financial Institution 472 $130,170,000 $275,000 $2,265,000 $74,000 $480,000
File Closed For Incompleteness 109 $36,275,000 $332,000 $2,855,000 $160,000 $996,000
Application Approved But Not Accepted 55 $14,615,000 $265,000 $775,000 $81,000 $238,000
Loan Purchased By The Institution 13 $2,595,000 $199,000 $385,000 $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 5,086 $1,361,280,000 $267,000 $2,855,000 $96,000 $2,124,000
Debt-To-Income Ratio 135 $39,115,000 $289,000 $1,025,000 $61,000 $228,000
Collateral 125 $33,765,000 $270,000 $2,265,000 $86,000 $288,000
Credit History 92 $25,900,000 $281,000 $705,000 $79,000 $252,000
Other 48 $13,120,000 $273,000 $675,000 $81,000 $480,000
Unverifiable Information 35 $9,435,000 $269,000 $645,000 $67,000 $139,000
Credit Application Incomplete 23 $6,075,000 $264,000 $485,000 $80,000 $184,000
Employment History 10 $1,650,000 $165,000 $295,000 $55,000 $88,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,110,000 $277,000 $495,000 $85,000 $141,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank's 2022 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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