Magnolia Bank Mortgage Lending & HMDA Data, 2023

In 2023, Magnolia Bank of Hodgenville, KY reported 3,559 mortgage applications totaling $1.0 billion, down 36% from 2022. The average application was for $281,156, and applicants reported an average income of $102,215. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (335), Atlanta-Sandy Springs-Roswell, GA (282) and Elizabethtown-Fort Knox, KY (76) (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 3,559
Total Mortgage Loan Application Amount $1,000,635,000
Average Mortgage Loan Application Amount $281,156
Highest Mortgage Loan Application Amount $1,915,000
Average Applicant Income $102,215
Highest Applicant Income $3,433,000

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Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 168 $ 38,340,000 $ 228,214 $ 109,000
Carroll, Georgia 60 $ 15,970,000 $ 266,166 $ 99,000
Clark, Indiana 59 $ 13,575,000 $ 230,084 $ 90,000
Hardin, Kentucky 57 $ 10,135,000 $ 177,807 $ 135,000
Harrison, Mississippi 53 $ 12,215,000 $ 230,471 $ 92,000
Bullitt, Kentucky 41 $ 9,175,000 $ 223,780 $ 83,000
Nelson, Kentucky 41 $ 9,175,000 $ 223,780 $ 98,000
Haralson, Georgia 37 $ 8,595,000 $ 232,297 $ 88,000
New Castle, Delaware 34 $ 9,960,000 $ 292,941 $ 90,000
Florence, South Carolina 34 $ 8,360,000 $ 245,882 $ 87,000
Lowndes, Mississippi 33 $ 6,635,000 $ 201,060 $ 86,000
Fairfield, Connecticut 29 $ 10,825,000 $ 373,275 $ 119,000
Warren, Kentucky 28 $ 7,560,000 $ 270,000 $ 115,000
Horry, South Carolina 28 $ 7,300,000 $ 260,714 $ 97,000
Maricopa, Arizona 27 $ 10,685,000 $ 395,740 $ 95,000
Elbert, Georgia 26 $ 4,030,000 $ 155,000 $ 88,000
Hart, Georgia 26 $ 6,960,000 $ 267,692 $ 141,000
Lexington, South Carolina 26 $ 5,890,000 $ 226,538 $ 98,000
Wise, Texas 26 $ 8,570,000 $ 329,615 $ 165,000
Madison, Georgia 25 $ 5,285,000 $ 211,400 $ 83,000
Troup, Georgia 25 $ 5,775,000 $ 231,000 $ 96,000
Newton, Georgia 24 $ 5,120,000 $ 213,333 $ 88,000
Graves, Kentucky 24 $ 3,300,000 $ 137,500 $ 51,000
Effingham, Georgia 23 $ 5,385,000 $ 234,130 $ 93,000
Hartford, Connecticut 22 $ 7,010,000 $ 318,636 $ 124,000
Travis, Texas 21 $ 8,855,000 $ 421,666 $ 157,000
Floyd, Indiana 20 $ 4,870,000 $ 243,500 $ 124,000
Marion, Tennessee 20 $ 5,150,000 $ 257,500 $ 124,000
Greenville, South Carolina 19 $ 4,205,000 $ 221,315 $ 64,000
Harris, Texas 19 $ 4,475,000 $ 235,526 $ 164,000
New Haven, Connecticut 18 $ 4,430,000 $ 246,111 $ 88,000
Chatham, Georgia 18 $ 4,250,000 $ 236,111 $ 73,000
Clark, Nevada 18 $ 6,910,000 $ 383,888 $ 92,000
Paulding, Georgia 17 $ 5,025,000 $ 295,588 $ 110,000
Cuyahoga, Ohio 17 $ 3,245,000 $ 190,882 $ 116,000
New London, Connecticut 16 $ 4,530,000 $ 283,125 $ 123,000
Gwinnett, Georgia 16 $ 5,550,000 $ 346,875 $ 96,000
Buncombe, North Carolina 16 $ 4,650,000 $ 290,625 $ 125,000
Collin, Texas 16 $ 7,820,000 $ 488,750 $ 197,000
Fulton, Georgia 15 $ 3,755,000 $ 250,333 $ 82,000
Shelby, Kentucky 15 $ 4,285,000 $ 285,666 $ 99,000
Madison, Mississippi 15 $ 4,215,000 $ 281,000 $ 135,000
Rankin, Mississippi 15 $ 4,045,000 $ 269,666 $ 99,000
Navarro, Texas 15 $ 4,215,000 $ 281,000 $ 139,000
Baldwin, Alabama 14 $ 4,010,000 $ 286,428 $ 160,000
Riverside, California 14 $ 6,890,000 $ 492,142 $ 122,000
Calloway, Kentucky 14 $ 2,810,000 $ 200,714 $ 74,000
Larue, Kentucky 14 $ 2,670,000 $ 190,714 $ 102,000
McCracken, Kentucky 14 $ 2,230,000 $ 159,285 $ 76,000
Aiken, South Carolina 14 $ 3,330,000 $ 237,857 $ 93,000
Douglas, Georgia 13 $ 4,165,000 $ 320,384 $ 92,000
Franklin, Georgia 13 $ 2,645,000 $ 203,461 $ 88,000
Henry, Georgia 13 $ 4,255,000 $ 327,307 $ 95,000
Bonneville, Idaho 13 $ 4,005,000 $ 308,076 $ 144,000
Oldham, Kentucky 13 $ 4,365,000 $ 335,769 $ 120,000
Jackson, Mississippi 13 $ 3,445,000 $ 265,000 $ 133,000
Parker, Texas 13 $ 4,745,000 $ 365,000 $ 148,000
Los Angeles, California 12 $ 8,900,000 $ 741,666 $ 95,000
Cumberland, North Carolina 12 $ 2,810,000 $ 234,166 $ 94,000
Darlington, South Carolina 12 $ 3,280,000 $ 273,333 $ 102,000
El Paso, Colorado 11 $ 3,755,000 $ 341,363 $ 81,000
Kent, Delaware 11 $ 3,275,000 $ 297,727 $ 94,000
Heard, Georgia 11 $ 2,995,000 $ 272,272 $ 104,000
Edmonson, Kentucky 11 $ 1,675,000 $ 152,272 $ 72,000
Bernalillo, New Mexico 11 $ 3,145,000 $ 285,909 $ 66,000
Wake, North Carolina 11 $ 4,125,000 $ 375,000 $ 115,000
Madison, Alabama 10 $ 3,440,000 $ 344,000 $ 102,000
Cobb, Georgia 10 $ 3,780,000 $ 378,000 $ 94,000
Harrison, Indiana 10 $ 2,010,000 $ 201,000 $ 72,000
Marshall, Kentucky 10 $ 1,760,000 $ 176,000 $ 87,000
Stark, Ohio 10 $ 2,510,000 $ 251,000 $ 79,000
Tarrant, Texas 10 $ 3,000,000 $ 300,000 $ 87,000
Jefferson, Alabama 9 $ 2,455,000 $ 272,777 $ 98,000
Pima, Arizona 9 $ 2,445,000 $ 271,666 $ 85,000
San Diego, California 9 $ 4,945,000 $ 549,444 $ 119,000
Coweta, Georgia 9 $ 2,795,000 $ 310,555 $ 110,000
DeKalb, Georgia 9 $ 2,555,000 $ 283,888 $ 85,000
Vermilion, Illinois 9 $ 825,000 $ 91,666 $ 49,000
Marion, Indiana 9 $ 2,495,000 $ 277,222 $ 73,000
Bristol, Massachusetts 9 $ 3,685,000 $ 409,444 $ 103,000
Plymouth, Massachusetts 9 $ 4,455,000 $ 495,000 $ 110,000
Clay, Mississippi 9 $ 1,415,000 $ 157,222 $ 71,000
Mecklenburg, North Carolina 9 $ 3,345,000 $ 371,666 $ 105,000
Lancaster, Pennsylvania 9 $ 3,045,000 $ 338,333 $ 137,000
Richland, South Carolina 9 $ 2,335,000 $ 259,444 $ 104,000
Spartanburg, South Carolina 9 $ 1,735,000 $ 192,777 $ 82,000
Rutherford, Tennessee 9 $ 3,595,000 $ 399,444 $ 105,000
Denton, Texas 9 $ 3,335,000 $ 370,555 $ 153,000
Montgomery, Texas 9 $ 2,945,000 $ 327,222 $ 131,000
Williamson, Texas 9 $ 4,155,000 $ 461,666 $ 162,000
Virginia Beach, Virginia 9 $ 3,255,000 $ 361,666 $ 117,000
Hillsborough, Florida 8 $ 3,090,000 $ 386,250 $ 190,000
Clayton, Georgia 8 $ 2,110,000 $ 263,750 $ 62,000
Muhlenberg, Kentucky 8 $ 1,270,000 $ 158,750 $ 55,000
Russell, Kentucky 8 $ 1,460,000 $ 182,500 $ 90,000
Summit, Ohio 8 $ 1,200,000 $ 150,000 $ 91,000
Allegheny, Pennsylvania 8 $ 1,720,000 $ 215,000 $ 100,000
Anderson, South Carolina 8 $ 2,540,000 $ 317,500 $ 113,000
Davidson, Tennessee 8 $ 3,910,000 $ 488,750 $ 177,000
Fort Bend, Texas 8 $ 2,520,000 $ 315,000 $ 167,000
Palo Pinto, Texas 8 $ 1,850,000 $ 231,250 $ 149,000
Salt Lake, Utah 8 $ 2,810,000 $ 351,250 $ 71,000
Barrow, Georgia 7 $ 2,485,000 $ 355,000 $ 100,000
Jackson, Georgia 7 $ 2,795,000 $ 399,285 $ 160,000
Liberty, Georgia 7 $ 1,845,000 $ 263,571 $ 84,000
Polk, Georgia 7 $ 2,245,000 $ 320,714 $ 109,000
Taylor, Kentucky 7 $ 1,245,000 $ 177,857 $ 83,000
Lee, Mississippi 7 $ 1,155,000 $ 165,000 $ 90,000
Franklin, Ohio 7 $ 1,485,000 $ 212,142 $ 55,000
Chester, Pennsylvania 7 $ 3,285,000 $ 469,285 $ 183,000
Hardin, Tennessee 7 $ 1,565,000 $ 223,571 $ 74,000
Montgomery, Tennessee 7 $ 2,055,000 $ 293,571 $ 82,000
Shelby, Tennessee 7 $ 1,715,000 $ 245,000 $ 94,000
Sumner, Tennessee 7 $ 2,625,000 $ 375,000 $ 134,000
Bexar, Texas 7 $ 1,725,000 $ 246,428 $ 118,000
Prince William, Virginia 7 $ 2,885,000 $ 412,142 $ 128,000
Limestone, Alabama 6 $ 1,390,000 $ 231,666 $ 74,000
Shelby, Alabama 6 $ 2,020,000 $ 336,666 $ 107,000
Anchorage, Alaska 6 $ 2,160,000 $ 360,000 $ 85,000
Bryan, Georgia 6 $ 2,630,000 $ 438,333 $ 163,000
Jasper, Georgia 6 $ 1,510,000 $ 251,666 $ 100,000
Oglethorpe, Georgia 6 $ 1,450,000 $ 241,666 $ 81,000
Walton, Georgia 6 $ 1,840,000 $ 306,666 $ 122,000
Jefferson, Idaho 6 $ 1,620,000 $ 270,000 $ 77,000
Cook, Illinois 6 $ 1,920,000 $ 320,000 $ 113,000
Allen, Kentucky 6 $ 1,680,000 $ 280,000 $ 134,000
Simpson, Kentucky 6 $ 1,180,000 $ 196,666 $ 68,000
St. Tammany, Louisiana 6 $ 1,480,000 $ 246,666 $ 91,000
Prince George's, Maryland 6 $ 3,360,000 $ 560,000 $ 114,000
Cabarrus, North Carolina 6 $ 1,950,000 $ 325,000 $ 94,000
Medina, Ohio 6 $ 1,280,000 $ 213,333 $ 70,000
Multnomah, Oregon 6 $ 2,370,000 $ 395,000 $ 105,000
Philadelphia, Pennsylvania 6 $ 1,080,000 $ 180,000 $ 68,000
Kent, Rhode Island 6 $ 2,440,000 $ 406,666 $ 126,000
Pickens, South Carolina 6 $ 1,550,000 $ 258,333 $ 79,000
Warren, Tennessee 6 $ 1,120,000 $ 186,666 $ 62,000
Grayson, Texas 6 $ 2,470,000 $ 411,666 $ 163,000
Kitsap, Washington 6 $ 3,010,000 $ 501,666 $ 118,000
Pierce, Washington 6 $ 2,680,000 $ 446,666 $ 94,000
Cleburne, Alabama 5 $ 1,045,000 $ 209,000 $ 52,000
Mobile, Alabama 5 $ 1,045,000 $ 209,000 $ 96,000
Randolph, Alabama 5 $ 1,545,000 $ 309,000 $ 204,000
Sacramento, California 5 $ 1,935,000 $ 387,000 $ 98,000
Denver, Colorado 5 $ 2,135,000 $ 427,000 $ 76,000
Weld, Colorado 5 $ 1,655,000 $ 331,000 $ 82,000
Lee, Florida 5 $ 1,435,000 $ 287,000 $ 62,000
Fayette, Georgia 5 $ 1,765,000 $ 353,000 $ 188,000
Long, Georgia 5 $ 1,435,000 $ 287,000 $ 88,000
Oconee, Georgia 5 $ 1,375,000 $ 275,000 $ 73,000
Hamilton, Indiana 5 $ 2,395,000 $ 479,000 $ 184,000
Hendricks, Indiana 5 $ 1,775,000 $ 355,000 $ 114,000
Breckinridge, Kentucky 5 $ 1,075,000 $ 215,000 $ 78,000
Hart, Kentucky 5 $ 815,000 $ 163,000 $ 97,000
Meade, Kentucky 5 $ 1,395,000 $ 279,000 $ 96,000
Essex, Massachusetts 5 $ 2,555,000 $ 511,000 $ 126,000
Hancock, Mississippi 5 $ 1,005,000 $ 201,000 $ 101,000
Hinds, Mississippi 5 $ 955,000 $ 191,000 $ 84,000
Lafayette, Mississippi 5 $ 1,445,000 $ 289,000 $ 131,000
Stone, Mississippi 5 $ 1,215,000 $ 243,000 $ 82,000
Boone, Missouri 5 $ 995,000 $ 199,000 $ 52,000
Jackson, Missouri 5 $ 1,375,000 $ 275,000 $ 90,000
Essex, New Jersey 5 $ 2,245,000 $ 449,000 $ 142,000
Suffolk, New York 5 $ 2,885,000 $ 577,000 $ 124,000
Henderson, North Carolina 5 $ 1,205,000 $ 241,000 $ 91,000
Hamilton, Ohio 5 $ 1,355,000 $ 271,000 $ 86,000
Oklahoma, Oklahoma 5 $ 1,765,000 $ 353,000 $ 223,000
Marion, Oregon 5 $ 1,785,000 $ 357,000 $ 110,000
Bucks, Pennsylvania 5 $ 2,365,000 $ 473,000 $ 145,000
York, Pennsylvania 5 $ 1,295,000 $ 259,000 $ 109,000
Providence, Rhode Island 5 $ 1,625,000 $ 325,000 $ 75,000
Dorchester, South Carolina 5 $ 1,735,000 $ 347,000 $ 94,000
Laurens, South Carolina 5 $ 1,045,000 $ 209,000 $ 90,000
Williamsburg, South Carolina 5 $ 745,000 $ 149,000 $ 87,000
Dallas, Texas 5 $ 1,965,000 $ 393,000 $ 882,000
Kaufman, Texas 5 $ 1,755,000 $ 351,000 $ 142,000
Leon, Texas 5 $ 1,205,000 $ 241,000 $ 132,000
Newport News, Virginia 5 $ 1,535,000 $ 307,000 $ 91,000
Stafford, Virginia 5 $ 2,945,000 $ 589,000 $ 190,000
Chambers, Alabama 4 $ 540,000 $ 135,000 $ 44,000
Lamar, Alabama 4 $ 470,000 $ 117,500 $ 57,000
Lee, Alabama 4 $ 1,010,000 $ 252,500 $ 75,000
Benton, Arkansas 4 $ 1,040,000 $ 260,000 $ 59,000
Faulkner, Arkansas 4 $ 920,000 $ 230,000 $ 112,000
Saline, Arkansas 4 $ 750,000 $ 187,500 $ 81,000
Kern, California 4 $ 1,110,000 $ 277,500 $ 81,000
Litchfield, Connecticut 4 $ 1,150,000 $ 287,500 $ 109,000
Sussex, Delaware 4 $ 1,480,000 $ 370,000 $ 130,000
Broward, Florida 4 $ 1,670,000 $ 417,500 $ 240,000
Citrus, Florida 4 $ 810,000 $ 202,500 $ 78,000
Marion, Florida 4 $ 590,000 $ 147,500 $ 69,000
Orange, Florida 4 $ 1,300,000 $ 325,000 $ 122,000
Bartow, Georgia 4 $ 1,130,000 $ 282,500 $ 77,000
Bulloch, Georgia 4 $ 980,000 $ 245,000 $ 82,000
Columbia, Georgia 4 $ 1,290,000 $ 322,500 $ 120,000
Floyd, Georgia 4 $ 720,000 $ 180,000 $ 61,000
Hall, Georgia 4 $ 900,000 $ 225,000 $ 80,000
Richmond, Georgia 4 $ 1,150,000 $ 287,500 $ 79,000
Stephens, Georgia 4 $ 1,470,000 $ 367,500 $ 134,000
Wayne, Georgia 4 $ 900,000 $ 225,000 $ 85,000
Bingham, Idaho 4 $ 1,140,000 $ 285,000 $ 107,000
Hancock, Indiana 4 $ 1,100,000 $ 275,000 $ 72,000
Monroe, Indiana 4 $ 670,000 $ 167,500 $ 63,000
Scott, Indiana 4 $ 790,000 $ 197,500 $ 84,000
Anderson, Kentucky 4 $ 1,170,000 $ 292,500 $ 106,000
Barren, Kentucky 4 $ 730,000 $ 182,500 $ 67,000
Daviess, Kentucky 4 $ 670,000 $ 167,500 $ 68,000
Fayette, Kentucky 4 $ 750,000 $ 187,500 $ 78,000
Madison, Kentucky 4 $ 770,000 $ 192,500 $ 56,000
Spencer, Kentucky 4 $ 1,060,000 $ 265,000 $ 77,000
Jefferson, Louisiana 4 $ 910,000 $ 227,500 $ 70,000
Charles, Maryland 4 $ 1,380,000 $ 345,000 $ 108,000
Barnstable, Massachusetts 4 $ 1,710,000 $ 427,500 $ 97,000
Middlesex, Massachusetts 4 $ 1,990,000 $ 497,500 $ 109,000
Suffolk, Massachusetts 4 $ 3,650,000 $ 912,500 $ 209,000
Oakland, Michigan 4 $ 1,100,000 $ 275,000 $ 94,000
Alcorn, Mississippi 4 $ 810,000 $ 202,500 $ 81,000
Oktibbeha, Mississippi 4 $ 1,020,000 $ 255,000 $ 99,000
Prentiss, Mississippi 4 $ 570,000 $ 142,500 $ 57,000
Tippah, Mississippi 4 $ 700,000 $ 175,000 $ 63,000
New Madrid, Missouri 4 $ 360,000 $ 90,000 $ 49,000
Scott, Missouri 4 $ 450,000 $ 112,500 $ 48,000
Bergen, New Jersey 4 $ 1,850,000 $ 462,500 $ 128,000
Burlington, New Jersey 4 $ 1,090,000 $ 272,500 $ 95,000
Gloucester, New Jersey 4 $ 1,160,000 $ 290,000 $ 73,000
Hudson, New Jersey 4 $ 1,540,000 $ 385,000 $ 77,000
Erie, New York 4 $ 710,000 $ 177,500 $ 91,000
Kings, New York 4 $ 2,820,000 $ 705,000 $ 173,000
Rensselaer, New York 4 $ 1,170,000 $ 292,500 $ 106,000
Harnett, North Carolina 4 $ 1,120,000 $ 280,000 $ 78,000
Johnston, North Carolina 4 $ 1,670,000 $ 417,500 $ 94,000
Onslow, North Carolina 4 $ 920,000 $ 230,000 $ 61,000
Wayne, North Carolina 4 $ 1,040,000 $ 260,000 $ 100,000
Cleveland, Oklahoma 4 $ 950,000 $ 237,500 $ 214,000
Tulsa, Oklahoma 4 $ 1,050,000 $ 262,500 $ 88,000
Douglas, Oregon 4 $ 1,430,000 $ 357,500 $ 82,000
Montgomery, Pennsylvania 4 $ 1,620,000 $ 405,000 $ 137,000
Beaufort, South Carolina 4 $ 1,250,000 $ 312,500 $ 97,000
Berkeley, South Carolina 4 $ 1,110,000 $ 277,500 $ 53,000
Saluda, South Carolina 4 $ 820,000 $ 205,000 $ 95,000
Bedford, Tennessee 4 $ 1,350,000 $ 337,500 $ 130,000
Blount, Tennessee 4 $ 1,800,000 $ 450,000 $ 121,000
Bradley, Tennessee 4 $ 1,350,000 $ 337,500 $ 112,000
Franklin, Tennessee 4 $ 1,080,000 $ 270,000 $ 68,000
Hamilton, Tennessee 4 $ 1,140,000 $ 285,000 $ 156,000
Williamson, Tennessee 4 $ 2,230,000 $ 557,500 $ 140,000
Freestone, Texas 4 $ 1,350,000 $ 337,500 $ 155,000
Hunt, Texas 4 $ 1,260,000 $ 315,000 $ 102,000
Johnson, Texas 4 $ 1,510,000 $ 377,500 $ 105,000
Chesapeake, Virginia 4 $ 1,660,000 $ 415,000 $ 156,000
Chesterfield, Virginia 4 $ 1,680,000 $ 420,000 $ 82,000
Spotsylvania, Virginia 4 $ 1,920,000 $ 480,000 $ 152,000
Berkeley, West Virginia 4 $ 980,000 $ 245,000 $ 56,000
Colbert, Alabama 3 $ 595,000 $ 198,333 $ 78,000
Elmore, Alabama 3 $ 1,005,000 $ 335,000 $ 86,000
Craighead, Arkansas 3 $ 655,000 $ 218,333 $ 73,000
Garland, Arkansas 3 $ 255,000 $ 85,000 $ 40,000
Fresno, California 3 $ 1,045,000 $ 348,333 $ 139,000
Shasta, California 3 $ 745,000 $ 248,333 $ 152,000
Adams, Colorado 3 $ 1,505,000 $ 501,666 $ 115,000
Middlesex, Connecticut 3 $ 475,000 $ 158,333 $ 79,000
Duval, Florida 3 $ 1,095,000 $ 365,000 $ 149,000
Highlands, Florida 3 $ 615,000 $ 205,000 $ 72,000
Manatee, Florida 3 $ 1,255,000 $ 418,333 $ 111,000
Pasco, Florida 3 $ 1,805,000 $ 601,666 $ 114,000
Banks, Georgia 3 $ 945,000 $ 315,000 $ 101,000
Cherokee, Georgia 3 $ 1,115,000 $ 371,666 $ 104,000
Clarke, Georgia 3 $ 665,000 $ 221,666 $ 67,000
Houston, Georgia 3 $ 715,000 $ 238,333 $ 105,000
Muscogee, Georgia 3 $ 685,000 $ 228,333 $ 72,000
Rockdale, Georgia 3 $ 975,000 $ 325,000 $ 130,000
Ada, Idaho 3 $ 1,085,000 $ 361,666 $ 99,000
Lake, Illinois 3 $ 695,000 $ 231,666 $ 104,000
Madison, Illinois 3 $ 915,000 $ 305,000 $ 142,000
Sangamon, Illinois 3 $ 875,000 $ 291,666 $ 119,000
Will, Illinois 3 $ 755,000 $ 251,666 $ 88,000
Jefferson, Indiana 3 $ 565,000 $ 188,333 $ 83,000
Lake, Indiana 3 $ 715,000 $ 238,333 $ 74,000
Porter, Indiana 3 $ 715,000 $ 238,333 $ 63,000
Campbell, Kentucky 3 $ 735,000 $ 245,000 $ 136,000
Christian, Kentucky 3 $ 745,000 $ 248,333 $ 84,000
Henry, Kentucky 3 $ 655,000 $ 218,333 $ 81,000
Ohio, Kentucky 3 $ 465,000 $ 155,000 $ 75,000
Pulaski, Kentucky 3 $ 1,035,000 $ 345,000 $ 160,000
East Baton Rouge, Louisiana 3 $ 655,000 $ 218,333 $ 71,000
Orleans, Louisiana 3 $ 1,325,000 $ 441,666 $ 121,000
Worcester, Massachusetts 3 $ 935,000 $ 311,666 $ 76,000
Washtenaw, Michigan 3 $ 1,095,000 $ 365,000 $ 85,000
Wayne, Michigan 3 $ 635,000 $ 211,666 $ 85,000
Calhoun, Mississippi 3 $ 545,000 $ 181,666 $ 105,000
DeSoto, Mississippi 3 $ 935,000 $ 311,666 $ 116,000
Pontotoc, Mississippi 3 $ 475,000 $ 158,333 $ 62,000
Cape Girardeau, Missouri 3 $ 655,000 $ 218,333 $ 62,000
Greene, Missouri 3 $ 1,115,000 $ 371,666 $ 78,000
Sarpy, Nebraska 3 $ 795,000 $ 265,000 $ 76,000
Hillsborough, New Hampshire 3 $ 1,085,000 $ 361,666 $ 71,000
Camden, New Jersey 3 $ 925,000 $ 308,333 $ 79,000
Mercer, New Jersey 3 $ 765,000 $ 255,000 $ 78,000
Middlesex, New Jersey 3 $ 835,000 $ 278,333 $ 117,000
Monmouth, New Jersey 3 $ 1,285,000 $ 428,333 $ 96,000
Ocean, New Jersey 3 $ 835,000 $ 278,333 $ 82,000
Somerset, New Jersey 3 $ 1,775,000 $ 591,666 $ 146,000
Otero, New Mexico 3 $ 795,000 $ 265,000 $ 114,000
San Juan, New Mexico 3 $ 1,035,000 $ 345,000 $ 112,000
Sandoval, New Mexico 3 $ 1,125,000 $ 375,000 $ 105,000
Dutchess, New York 3 $ 1,925,000 $ 641,666 $ 184,000
Westchester, New York 3 $ 1,415,000 $ 471,666 $ 115,000
Currituck, North Carolina 3 $ 1,235,000 $ 411,666 $ 131,000
Gaston, North Carolina 3 $ 925,000 $ 308,333 $ 81,000
Guilford, North Carolina 3 $ 765,000 $ 255,000 $ 70,000
Rowan, North Carolina 3 $ 1,075,000 $ 358,333 $ 72,000
Union, North Carolina 3 $ 785,000 $ 261,666 $ 52,000
Lorain, Ohio 3 $ 505,000 $ 168,333 $ 78,000
Montgomery, Ohio 3 $ 945,000 $ 315,000 $ 122,000
Comanche, Oklahoma 3 $ 825,000 $ 275,000 $ 130,000
Grady, Oklahoma 3 $ 755,000 $ 251,666 $ 78,000
Coos, Oregon 3 $ 985,000 $ 328,333 $ 67,000
Cumberland, Pennsylvania 3 $ 935,000 $ 311,666 $ 116,000
Delaware, Pennsylvania 3 $ 755,000 $ 251,666 $ 91,000
Sevier, Tennessee 3 $ 1,315,000 $ 438,333 $ 133,000
Hays, Texas 3 $ 1,405,000 $ 468,333 $ 159,000
Jefferson, Texas 3 $ 325,000 $ 108,333 $ 81,000
Weber, Utah 3 $ 975,000 $ 325,000 $ 55,000
Henrico, Virginia 3 $ 675,000 $ 225,000 $ 53,000
Dane, Wisconsin 3 $ 765,000 $ 255,000 $ 86,000
Calhoun, Alabama 2 $ 230,000 $ 115,000 $ 92,000
Marshall, Alabama 2 $ 480,000 $ 240,000 $ 80,000
Morgan, Alabama 2 $ 370,000 $ 185,000 $ 71,000
St. Clair, Alabama 2 $ 900,000 $ 450,000 $ 102,000
Coconino, Arizona 2 $ 980,000 $ 490,000 $ 166,000
Mohave, Arizona 2 $ 490,000 $ 245,000 $ 70,000
Pinal, Arizona 2 $ 660,000 $ 330,000 $ 117,000
Yuma, Arizona 2 $ 690,000 $ 345,000 $ 87,000
Grant, Arkansas 2 $ 360,000 $ 180,000 $ 111,000
Pulaski, Arkansas 2 $ 600,000 $ 300,000 $ 62,000
Van Buren, Arkansas 2 $ 400,000 $ 200,000 $ 69,000
El Dorado, California 2 $ 620,000 $ 310,000 $ 72,000
Orange, California 2 $ 1,040,000 $ 520,000 $ 177,000
San Bernardino, California 2 $ 890,000 $ 445,000 $ 82,000
San Joaquin, California 2 $ 720,000 $ 360,000 $ 64,000
Solano, California 2 $ 880,000 $ 440,000 $ 71,000
Tulare, California 2 $ 680,000 $ 340,000 $ 93,000
Douglas, Colorado 2 $ 1,140,000 $ 570,000 $ 98,000
Pueblo, Colorado 2 $ 600,000 $ 300,000 $ 63,000
Windham, Connecticut 2 $ 630,000 $ 315,000 $ 123,000
Brevard, Florida 2 $ 470,000 $ 235,000 $ 54,000
Jackson, Florida 2 $ 510,000 $ 255,000 $ 127,000
Leon, Florida 2 $ 550,000 $ 275,000 $ 107,000
Miami-Dade, Florida 2 $ 1,060,000 $ 530,000 $ 99,000
Osceola, Florida 2 $ 500,000 $ 250,000 $ 79,000
Santa Rosa, Florida 2 $ 510,000 $ 255,000 $ 88,000
Sarasota, Florida 2 $ 440,000 $ 220,000 $ 97,000
Volusia, Florida 2 $ 370,000 $ 185,000 $ 54,000
Catoosa, Georgia 2 $ 740,000 $ 370,000 $ 94,000
Fannin, Georgia 2 $ 530,000 $ 265,000 $ 157,000
Forsyth, Georgia 2 $ 420,000 $ 210,000 $ 50,000
Harris, Georgia 2 $ 760,000 $ 380,000 $ 163,000
Lowndes, Georgia 2 $ 520,000 $ 260,000 $ 60,000
Morgan, Georgia 2 $ 830,000 $ 415,000 $ 135,000
Tattnall, Georgia 2 $ 320,000 $ 160,000 $ 186,000
Canyon, Idaho 2 $ 550,000 $ 275,000 $ 42,000
Gem, Idaho 2 $ 910,000 $ 455,000 $ 71,000
Lemhi, Idaho 2 $ 350,000 $ 175,000 $ 61,000
Crawford, Indiana 2 $ 370,000 $ 185,000 $ 67,000
Johnson, Indiana 2 $ 630,000 $ 315,000 $ 96,000
Shelby, Indiana 2 $ 690,000 $ 345,000 $ 108,000
St. Joseph, Indiana 2 $ 530,000 $ 265,000 $ 98,000
Vanderburgh, Indiana 2 $ 310,000 $ 155,000 $ 44,000
Washington, Indiana 2 $ 290,000 $ 145,000 $ 48,000
Geary, Kansas 2 $ 470,000 $ 235,000 $ 97,000
Johnson, Kansas 2 $ 1,020,000 $ 510,000 $ 184,000
Shawnee, Kansas 2 $ 490,000 $ 245,000 $ 97,000
Adair, Kentucky 2 $ 410,000 $ 205,000 $ 56,000
Boyle, Kentucky 2 $ 350,000 $ 175,000 $ 77,000
Crittenden, Kentucky 2 $ 460,000 $ 230,000 $ 87,000
Franklin, Kentucky 2 $ 380,000 $ 190,000 $ 83,000
Henderson, Kentucky 2 $ 360,000 $ 180,000 $ 59,000
Hopkins, Kentucky 2 $ 190,000 $ 95,000 $ 41,000
Jessamine, Kentucky 2 $ 620,000 $ 310,000 $ 68,000
Kenton, Kentucky 2 $ 490,000 $ 245,000 $ 97,000
Livingston, Kentucky 2 $ 300,000 $ 150,000 $ 63,000
Metcalfe, Kentucky 2 $ 380,000 $ 190,000 $ 61,000
Trigg, Kentucky 2 $ 400,000 $ 200,000 $ 53,000
Bossier, Louisiana 2 $ 550,000 $ 275,000 $ 85,000
Ouachita, Louisiana 2 $ 540,000 $ 270,000 $ 87,000
St. John the Baptist, Louisiana 2 $ 360,000 $ 180,000 $ 69,000
Baltimore, Maryland 2 $ 680,000 $ 340,000 $ 70,000
Baltimore City, Maryland 2 $ 180,000 $ 90,000 $ 3,000
Norfolk, Massachusetts 2 $ 520,000 $ 260,000 $ 70,000
Jackson, Michigan 2 $ 570,000 $ 285,000 $ 91,000
Kent, Michigan 2 $ 600,000 $ 300,000 $ 86,000
Monroe, Michigan 2 $ 420,000 $ 210,000 $ 71,000
Ramsey, Minnesota 2 $ 560,000 $ 280,000 $ 88,000
Sherburne, Minnesota 2 $ 730,000 $ 365,000 $ 95,000
Choctaw, Mississippi 2 $ 330,000 $ 165,000 $ 131,000
Forrest, Mississippi 2 $ 410,000 $ 205,000 $ 59,000
Lamar, Mississippi 2 $ 800,000 $ 400,000 $ 134,000
Monroe, Mississippi 2 $ 210,000 $ 105,000 $ 36,000
Panola, Mississippi 2 $ 440,000 $ 220,000 $ 138,000
Pearl River, Mississippi 2 $ 480,000 $ 240,000 $ 84,000
Union, Mississippi 2 $ 250,000 $ 125,000 $ 37,000
Butler, Missouri 2 $ 380,000 $ 190,000 $ 39,000
St. Francois, Missouri 2 $ 180,000 $ 90,000 $ 31,000
St. Louis City, Missouri 2 $ 330,000 $ 165,000 $ 75,000
Hall, Nebraska 2 $ 460,000 $ 230,000 $ 57,000
Carson City, Nevada 2 $ 600,000 $ 300,000 $ 67,000
Douglas, Nevada 2 $ 920,000 $ 460,000 $ 91,000
Elko, Nevada 2 $ 650,000 $ 325,000 $ 116,000
Washoe, Nevada 2 $ 880,000 $ 440,000 $ 96,000
Rockingham, New Hampshire 2 $ 690,000 $ 345,000 $ 99,000
Passaic, New Jersey 2 $ 1,090,000 $ 545,000 $ 155,000
Dona Ana, New Mexico 2 $ 720,000 $ 360,000 $ 111,000
New York, New York 2 $ 850,000 $ 425,000 $ 208,000
Queens, New York 2 $ 980,000 $ 490,000 $ 201,000
Richmond, New York 2 $ 910,000 $ 455,000 $ 197,000
Ulster, New York 2 $ 840,000 $ 420,000 $ 109,000
Alamance, North Carolina 2 $ 610,000 $ 305,000 $ 86,000
Brunswick, North Carolina 2 $ 470,000 $ 235,000 $ 63,000
Burke, North Carolina 2 $ 450,000 $ 225,000 $ 55,000
Craven, North Carolina 2 $ 670,000 $ 335,000 $ 93,000
Davidson, North Carolina 2 $ 590,000 $ 295,000 $ 81,000
Forsyth, North Carolina 2 $ 490,000 $ 245,000 $ 34,000
Granville, North Carolina 2 $ 520,000 $ 260,000 $ 75,000
Lee, North Carolina 2 $ 590,000 $ 295,000 $ 89,000
Lincoln, North Carolina 2 $ 380,000 $ 190,000 $ 45,000
New Hanover, North Carolina 2 $ 690,000 $ 345,000 $ 72,000
Rockingham, North Carolina 2 $ 570,000 $ 285,000 $ 106,000
Stokes, North Carolina 2 $ 540,000 $ 270,000 $ 102,000
Transylvania, North Carolina 2 $ 540,000 $ 270,000 $ 96,000
Ashtabula, Ohio 2 $ 120,000 $ 60,000 $ 29,000
Clermont, Ohio 2 $ 440,000 $ 220,000 $ 68,000
Geauga, Ohio 2 $ 480,000 $ 240,000 $ 90,000
Greene, Ohio 2 $ 470,000 $ 235,000 $ 93,000
Huron, Ohio 2 $ 210,000 $ 105,000 $ 28,000
Muskingum, Ohio 2 $ 610,000 $ 305,000 $ 176,000
Portage, Ohio 2 $ 470,000 $ 235,000 $ 71,000
Canadian, Oklahoma 2 $ 420,000 $ 210,000 $ 341,000
Stephens, Oklahoma 2 $ 740,000 $ 370,000 $ 107,000
Jackson, Oregon 2 $ 500,000 $ 250,000 $ 79,000
Klamath, Oregon 2 $ 620,000 $ 310,000 $ 76,000
Lane, Oregon 2 $ 770,000 $ 385,000 $ 80,000
Washington, Oregon 2 $ 810,000 $ 405,000 $ 74,000
Berks, Pennsylvania 2 $ 700,000 $ 350,000 $ 98,000
Butler, Pennsylvania 2 $ 910,000 $ 455,000 $ 119,000
Franklin, Pennsylvania 2 $ 680,000 $ 340,000 $ 110,000
Luzerne, Pennsylvania 2 $ 400,000 $ 200,000 $ 55,000
Monroe, Pennsylvania 2 $ 610,000 $ 305,000 $ 101,000
Northampton, Pennsylvania 2 $ 600,000 $ 300,000 $ 68,000
Greenwood, South Carolina 2 $ 880,000 $ 440,000 $ 104,000
Marlboro, South Carolina 2 $ 400,000 $ 200,000 $ 72,000
Sumter, South Carolina 2 $ 440,000 $ 220,000 $ 71,000
York, South Carolina 2 $ 870,000 $ 435,000 $ 88,000
Meade, South Dakota 2 $ 710,000 $ 355,000 $ 149,000
Grundy, Tennessee 2 $ 270,000 $ 135,000 $ 68,000
Knox, Tennessee 2 $ 760,000 $ 380,000 $ 144,000
Marshall, Tennessee 2 $ 580,000 $ 290,000 $ 102,000
McNairy, Tennessee 2 $ 430,000 $ 215,000 $ 67,000
Putnam, Tennessee 2 $ 700,000 $ 350,000 $ 140,000
Unicoi, Tennessee 2 $ 510,000 $ 255,000 $ 64,000
White, Tennessee 2 $ 580,000 $ 290,000 $ 60,000
Bell, Texas 2 $ 510,000 $ 255,000 $ 79,000
Frio, Texas 2 $ 190,000 $ 95,000 $ 54,000
Hill, Texas 2 $ 810,000 $ 405,000 $ 109,000
Montague, Texas 2 $ 790,000 $ 395,000 $ 128,000
Orange, Texas 2 $ 350,000 $ 175,000 $ 107,000
Van Zandt, Texas 2 $ 530,000 $ 265,000 $ 74,000
Davis, Utah 2 $ 840,000 $ 420,000 $ 137,000
Orleans, Vermont 2 $ 410,000 $ 205,000 $ 69,000
Accomack, Virginia 2 $ 440,000 $ 220,000 $ 67,000
Hanover, Virginia 2 $ 630,000 $ 315,000 $ 187,000
James City, Virginia 2 $ 930,000 $ 465,000 $ 123,000
Island, Washington 2 $ 800,000 $ 400,000 $ 95,000
Spokane, Washington 2 $ 1,180,000 $ 590,000 $ 123,000
Walla Walla, Washington 2 $ 630,000 $ 315,000 $ 79,000
Monongalia, West Virginia 2 $ 550,000 $ 275,000 $ 140,000
Waukesha, Wisconsin 2 $ 560,000 $ 280,000 $ 81,000
Carbon, Wyoming 2 $ 430,000 $ 215,000 $ 94,000
Fremont, Wyoming 2 $ 470,000 $ 235,000 $ 76,000
Coffee, Alabama 1 $ 325,000 $ 325,000 $ 113,000
Cullman, Alabama 1 $ 155,000 $ 155,000 $ 67,000
Dale, Alabama 1 $ 255,000 $ 255,000 $ 132,000
Franklin, Alabama 1 $ 125,000 $ 125,000 $ 42,000
Hale, Alabama 1 $ 285,000 $ 285,000 $ 112,000
Henry, Alabama 1 $ 485,000 $ 485,000 $ 127,000
Houston, Alabama 1 $ 295,000 $ 295,000 $ 111,000
Montgomery, Alabama 1 $ 255,000 $ 255,000 $ 109,000
Russell, Alabama 1 $ 135,000 $ 135,000 $ 51,000
Tuscaloosa, Alabama 1 $ 305,000 $ 305,000 $ 133,000
Fairbanks North Star, Alaska 1 $ 85,000 $ 85,000 $ 86,000
Kenai Peninsula, Alaska 1 $ 435,000 $ 435,000 $ 215,000
Cochise, Arizona 1 $ 245,000 $ 245,000 $ 107,000
Gila, Arizona 1 $ 265,000 $ 265,000 $ 74,000
Graham, Arizona 1 $ 205,000 $ 205,000 $ 116,000
Navajo, Arizona 1 $ 295,000 $ 295,000 $ 84,000
Cleburne, Arkansas 1 $ 285,000 $ 285,000 $ 73,000
Crawford, Arkansas 1 $ 105,000 $ 105,000 $ 29,000
Greene, Arkansas 1 $ 195,000 $ 195,000 $ 106,000
Jefferson, Arkansas 1 $ 125,000 $ 125,000 $ 65,000
Lonoke, Arkansas 1 $ 255,000 $ 255,000 $ 59,000
Madison, Arkansas 1 $ 115,000 $ 115,000 $ 30,000
Pope, Arkansas 1 $ 155,000 $ 155,000 $ 75,000
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Mortgage Loan Application Detail Totals for Magnolia Bank in 2023

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 1,998 $514,610,000 $257,000 $905,000 $107,000 $3,433,000
Cash-out Refinancing 1,352 $442,650,000 $327,000 $1,915,000 $93,000 $536,000
Refinancing 82 $19,150,000 $233,000 $1,285,000 $130,000 $630,000
Other Purpose 68 $14,500,000 $213,000 $725,000 $115,000 $943,000
Home Improvement 59 $9,725,000 $164,000 $525,000 $98,000 $424,000
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 2,399 $648,715,000 $270,000 $1,915,000 $103,000 $3,433,000
Black or African American 485 $155,365,000 $320,000 $885,000 $94,000 $361,000
Hispanic 262 $75,670,000 $288,000 $895,000 $102,000 $1,283,000
Not Provided 227 $67,355,000 $296,000 $1,815,000 $108,000 $371,000
Asian 128 $39,480,000 $308,000 $1,005,000 $115,000 $504,000
Not applicable 25 $4,345,000 $173,000 $355,000 $0 $0
American Indian or Alaskan Native 22 $6,300,000 $286,000 $635,000 $81,000 $187,000
Native Hawaiian or Other Pacific Islander 4 $1,300,000 $325,000 $395,000 $74,000 $90,000

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) 1,454 $368,970,000 $253,000 $1,915,000 $120,000 $3,433,000
VA-guaranteed (Veterans Administration) 1,304 $444,180,000 $340,000 $1,105,000 $96,000 $317,000
FHA-insured (Federal Housing Administration) 608 $153,510,000 $252,000 $885,000 $87,000 $341,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 193 $33,975,000 $176,000 $365,000 $66,000 $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 2,649 $717,025,000 $270,000 $985,000 $103,000 $1,283,000
Application Withdrawn By Applicant 525 $163,395,000 $311,000 $1,815,000 $111,000 $3,433,000
Application Denied By Financial Institution 326 $100,260,000 $307,000 $945,000 $86,000 $536,000
File Closed For Incompleteness 30 $11,640,000 $388,000 $1,915,000 $94,000 $305,000
Application Approved But Not Accepted 22 $7,050,000 $320,000 $715,000 $98,000 $283,000
Loan Purchased By The Institution 7 $1,265,000 $180,000 $355,000 $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 3,233 $900,375,000 $278,000 $1,915,000 $104,000 $3,433,000
Debt-To-Income Ratio 139 $44,765,000 $322,000 $945,000 $70,000 $322,000
Collateral 73 $23,785,000 $325,000 $815,000 $112,000 $454,000
Credit History 52 $13,350,000 $256,000 $595,000 $87,000 $200,000
Other 28 $7,690,000 $274,000 $835,000 $91,000 $214,000
Unverifiable Information 15 $5,325,000 $355,000 $725,000 $125,000 $536,000
Employment History 12 $2,820,000 $235,000 $705,000 $58,000 $129,000
Insufficient Cash (Downpayment, Closing Cost) 6 $2,370,000 $395,000 $645,000 $82,000 $203,000
Credit Application Incomplete 1 $155,000 $155,000 $155,000 $99,000 $99,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank's 2023 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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