Magnolia Bank Mortgage Lending & HMDA Data, 2013
In 2013, Magnolia Bank of Hodgenville, KY reported 3,488 mortgage applications totaling $545.7 million, up 77% from 2012. The average application was for $156,463, and applicants reported an average income of $73,687. 62% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (921), Bowling Green, KY (192) and Columbia, SC (150) (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 | 3,488 |
| Total Mortgage Loan Application Amount | $545,744,000 |
| Average Mortgage Loan Application Amount | $156,463 |
| Highest Mortgage Loan Application Amount | $926,000 |
| Average Applicant Income | $73,687 |
| Highest Applicant Income | $1,793,000 |
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Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville/Jefferson County, KY-IN | 921 | $ 137,488,000 | $ 149,281 | $ 67,565 |
| Bowling Green, KY | 192 | $ 28,623,000 | $ 149,078 | $ 73,000 |
| Columbia, SC | 150 | $ 24,663,000 | $ 164,420 | $ 90,000 |
| Elizabethtown, KY | 139 | $ 16,338,000 | $ 117,539 | $ 77,000 |
| Cincinnati-Middletown, OH-KY-IN | 99 | $ 15,491,000 | $ 156,474 | $ 80,030 |
| Lexington-Fayette, KY | 67 | $ 9,905,000 | $ 147,835 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 57 | $ 17,123,000 | $ 300,403 | $ 126,508 |
| Hickory-Lenoir-Morganton, NC | 53 | $ 8,639,000 | $ 163,000 | $ 94,000 |
| Indianapolis-Carmel, IN | 52 | $ 7,401,000 | $ 142,326 | $ 71,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 41 | $ 9,120,000 | $ 222,439 | $ 73,000 |
| Greenville-Mauldin-Easley, SC | 35 | $ 6,184,000 | $ 176,685 | $ 75,000 |
| Richmond, VA | 35 | $ 6,901,000 | $ 197,171 | $ 77,000 |
| Akron, OH | 33 | $ 4,854,000 | $ 147,090 | $ 66,000 |
| Cleveland-Elyria-Mentor, OH | 30 | $ 5,080,000 | $ 169,333 | $ 77,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 27 | $ 5,519,000 | $ 204,407 | $ 87,259 |
| Atlanta-Sandy Springs-Marietta, GA | 26 | $ 4,459,000 | $ 171,500 | $ 80,000 |
| Clarksville, TN-KY | 25 | $ 3,654,000 | $ 146,160 | $ 67,960 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 4,439,000 | $ 177,560 | $ 69,000 |
| Charleston-North Charleston-Summerville, SC | 21 | $ 4,939,000 | $ 235,190 | $ 93,000 |
| Columbus, OH | 21 | $ 4,380,000 | $ 208,571 | $ 94,000 |
| Raleigh-Cary, NC | 21 | $ 3,416,000 | $ 162,666 | $ 80,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 20 | $ 3,144,000 | $ 157,200 | $ 119,000 |
| Nassau-Suffolk, NY | 20 | $ 5,298,000 | $ 264,900 | $ 108,000 |
| Philadelphia, PA | 20 | $ 3,595,000 | $ 179,750 | $ 74,000 |
| Wilmington, NC | 20 | $ 4,841,000 | $ 242,050 | $ 132,000 |
| Evansville, IN-KY | 19 | $ 2,331,000 | $ 122,684 | $ 55,105 |
| Dothan, AL | 18 | $ 2,560,000 | $ 142,222 | $ 66,000 |
| Owensboro, KY | 17 | $ 2,590,000 | $ 152,352 | $ 75,000 |
| Canton-Massillon, OH | 15 | $ 1,584,000 | $ 105,600 | $ 43,000 |
| Baltimore-Towson, MD | 14 | $ 3,256,000 | $ 232,571 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 1,539,000 | $ 128,250 | $ 51,000 |
| Chicago-Joliet-Naperville, IL | 11 | $ 2,187,000 | $ 198,818 | $ 80,000 |
| Asheville, NC | 10 | $ 1,453,000 | $ 145,300 | $ 54,000 |
| Pittsburgh, PA | 10 | $ 1,558,000 | $ 155,800 | $ 61,000 |
| Wilmington, DE-MD-NJ | 10 | $ 1,922,000 | $ 192,200 | $ 87,000 |
| Birmingham-Hoover, AL | 8 | $ 1,802,000 | $ 225,250 | $ 97,000 |
| Winston-Salem, NC | 8 | $ 960,000 | $ 120,000 | $ 41,000 |
| Spartanburg, SC | 7 | $ 1,186,000 | $ 169,428 | $ 60,000 |
| Columbus, GA-AL | 6 | $ 1,206,000 | $ 201,000 | $ 96,000 |
| Dayton, OH | 6 | $ 968,000 | $ 161,333 | $ 78,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 783,000 | $ 130,500 | $ 62,666 |
| Memphis, TN-MS-AR | 6 | $ 852,000 | $ 142,000 | $ 75,000 |
| Roanoke, VA | 6 | $ 1,079,000 | $ 179,833 | $ 80,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 1,286,000 | $ 214,333 | $ 139,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,333,000 | $ 266,600 | $ 104,000 |
| Gary, IN | 5 | $ 971,000 | $ 194,200 | $ 71,000 |
| Knoxville, TN | 5 | $ 695,000 | $ 139,000 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,975,000 | $ 395,000 | $ 168,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,618,000 | $ 323,600 | $ 70,400 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 723,000 | $ 180,750 | $ 76,500 |
| Auburn-Opelika, AL | 4 | $ 701,000 | $ 175,250 | $ 115,000 |
| Bethesda-Rockville-Frederick, MD | 4 | $ 1,209,000 | $ 302,250 | $ 143,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 566,000 | $ 141,500 | $ 64,000 |
| Charlottesville, VA | 4 | $ 1,015,000 | $ 253,750 | $ 59,000 |
| Dover, DE | 4 | $ 648,000 | $ 162,000 | $ 22,000 |
| Greensboro-High Point, NC | 4 | $ 660,000 | $ 165,000 | $ 76,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 719,000 | $ 179,750 | $ 65,000 |
| Lancaster, PA | 4 | $ 562,000 | $ 140,500 | $ 53,000 |
| Lynchburg, VA | 4 | $ 971,000 | $ 242,750 | $ 89,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 880,000 | $ 220,000 | $ 81,000 |
| Savannah, GA | 4 | $ 670,000 | $ 167,500 | $ 119,000 |
| Anderson, SC | 3 | $ 632,000 | $ 210,666 | $ 102,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 406,000 | $ 135,333 | $ 82,666 |
| Cambridge-Newton-Framingham, MA | 3 | $ 916,000 | $ 305,333 | $ 76,000 |
| Fort Wayne, IN | 3 | $ 567,000 | $ 189,000 | $ 54,000 |
| Harrisonburg, VA | 3 | $ 542,000 | $ 180,666 | $ 55,000 |
| Jacksonville, FL | 3 | $ 788,000 | $ 262,666 | $ 194,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 683,000 | $ 227,666 | $ 109,000 |
| Rocky Mount, NC | 3 | $ 233,000 | $ 77,666 | $ 59,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 557,000 | $ 185,666 | $ 86,000 |
| Winchester, VA-WV | 3 | $ 937,000 | $ 312,333 | $ 73,000 |
| Bloomington, IN | 2 | $ 202,000 | $ 101,000 | $ 42,000 |
| Camden, NJ | 2 | $ 383,000 | $ 191,500 | $ 49,000 |
| Cleveland, TN | 2 | $ 451,000 | $ 225,500 | $ 63,000 |
| Cumberland, MD-WV | 2 | $ 254,000 | $ 127,000 | $ 54,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 389,000 | $ 194,500 | $ 71,000 |
| Edison-New Brunswick, NJ | 2 | $ 591,000 | $ 295,500 | $ 123,000 |
| Florence, SC | 2 | $ 262,000 | $ 131,000 | $ 40,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 391,000 | $ 195,500 | $ 104,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 313,000 | $ 156,500 | $ 73,000 |
| Johnson City, TN | 2 | $ 323,000 | $ 161,500 | $ 51,000 |
| Mobile, AL | 2 | $ 312,000 | $ 156,000 | $ 101,000 |
| Muncie, IN | 2 | $ 394,000 | $ 197,000 | $ 63,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 650,000 | $ 325,000 | $ 69,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 494,000 | $ 247,000 | $ 88,000 |
| Punta Gorda, FL | 2 | $ 253,000 | $ 126,500 | $ 46,000 |
| Reading, PA | 2 | $ 264,000 | $ 132,000 | $ 66,000 |
| Salt Lake City, UT | 2 | $ 345,000 | $ 172,500 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 271,000 | $ 135,500 | $ 80,000 |
| St. Louis, MO-IL | 2 | $ 311,000 | $ 155,500 | $ 117,000 |
| Sumter, SC | 2 | $ 158,000 | $ 79,000 | $ 33,000 |
| Toledo, OH | 2 | $ 359,000 | $ 179,500 | $ 61,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 244,000 | $ 122,000 | $ 75,000 |
| Anderson, IN | 1 | $ 116,000 | $ 116,000 | $ 78,000 |
| Anniston-Oxford, AL | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Athens-Clarke County, GA | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 166,000 | $ 166,000 | $ 48,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Burlington, NC | 1 | $ 99,000 | $ 99,000 | $ 46,000 |
| Charleston, WV | 1 | $ 101,000 | $ 101,000 | $ 73,000 |
| Chattanooga, TN-GA | 1 | $ 97,000 | $ 97,000 | $ 60,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 198,000 | $ 198,000 | $ 45,000 |
| Dallas-Plano-Irving, TX | 1 | $ 233,000 | $ 233,000 | $ 80,000 |
| Decatur, AL | 1 | $ 235,000 | $ 235,000 | $ 24,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 133,000 | $ 133,000 | $ 68,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 160,000 | $ 160,000 | $ 121,000 |
| Durham-Chapel Hill, NC | 1 | $ 166,000 | $ 166,000 | $ 81,000 |
| Elkhart-Goshen, IN | 1 | $ 156,000 | $ 156,000 | $ 61,000 |
| Erie, PA | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Fayetteville, NC | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Florence-Muscle Shoals, AL | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Gainesville, FL | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Gainesville, GA | 1 | $ 141,000 | $ 141,000 | $ 33,000 |
| Harrisburg-Carlisle, PA | 1 | $ 417,000 | $ 417,000 | $ 83,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Huntsville, AL | 1 | $ 214,000 | $ 214,000 | $ 140,000 |
| Jackson, TN | 1 | $ 153,000 | $ 153,000 | $ 110,000 |
| Jacksonville, NC | 1 | $ 209,000 | $ 209,000 | $ 106,000 |
| Kalamazoo-Portage, MI | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Kingston, NY | 1 | $ 236,000 | $ 236,000 | $ 120,000 |
| Kokomo, IN | 1 | $ 88,000 | $ 88,000 | $ 90,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 170,000 | $ 170,000 | $ 35,000 |
| Lakeland-Winter Haven, FL | 1 | $ 340,000 | $ 340,000 | $ 125,000 |
| Lebanon, PA | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Lima, OH | 1 | $ 234,000 | $ 234,000 | $ 53,000 |
| Lincoln, NE | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Mansfield, OH | 1 | $ 151,000 | $ 151,000 | $ 102,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 273,000 | $ 273,000 | $ 110,000 |
| Montgomery, AL | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Morristown, TN | 1 | $ 92,000 | $ 92,000 | $ 22,000 |
| Muskegon-Norton Shores, MI | 1 | $ 66,000 | $ 66,000 | $ 30,000 |
| Naples-Marco Island, FL | 1 | $ 86,000 | $ 86,000 | $ 121,000 |
| New Haven-Milford, CT | 1 | $ 241,000 | $ 241,000 | $ 96,000 |
| Ogden-Clearfield, UT | 1 | $ 173,000 | $ 173,000 | $ 53,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 118,000 | $ 118,000 | $ 170,000 |
| Palm Coast, FL | 1 | $ 263,000 | $ 263,000 | $ 82,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 248,000 | $ 248,000 | $ 92,000 |
| Provo-Orem, UT | 1 | $ 220,000 | $ 220,000 | $ 47,000 |
| Rochester, NY | 1 | $ 120,000 | $ 120,000 | $ 57,000 |
| Salisbury, MD | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 605,000 | $ 605,000 | $ 93,000 |
| Sioux Falls, SD | 1 | $ 179,000 | $ 179,000 | $ 49,000 |
| Spokane, WA | 1 | $ 208,000 | $ 208,000 | $ 84,000 |
| Springfield, OH | 1 | $ 119,000 | $ 119,000 | $ 61,000 |
| Terre Haute, IN | 1 | $ 112,000 | $ 112,000 | $ 25,000 |
| Wheeling, WV-OH | 1 | $ 221,000 | $ 221,000 | $ 70,000 |
| York-Hanover, PA | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Magnolia Bank in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,958 | $331,768,000 | $169,000 | $926,000 | $82,000 | $1,793,000 |
| Home Purchase | 1,505 | $212,670,000 | $141,000 | $763,000 | $63,000 | $775,000 |
| Home Improvement | 25 | $1,306,000 | $52,000 | $179,000 | $66,000 | $180,000 |
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 | 2,407 | $359,797,000 | $149,000 | $926,000 | $74,000 | $1,793,000 |
| Not Provided | 861 | $150,188,000 | $174,000 | $658,000 | $74,000 | $900,000 |
| Black or African American | 114 | $19,188,000 | $168,000 | $763,000 | $66,000 | $180,000 |
| Hispanic | 43 | $7,187,000 | $167,000 | $417,000 | $69,000 | $294,000 |
| Asian | 21 | $3,313,000 | $157,000 | $288,000 | $65,000 | $129,000 |
| Not applicable | 19 | $2,221,000 | $116,000 | $209,000 | $0 | $0 |
| American Indian or Alaskan Native | 18 | $2,472,000 | $137,000 | $369,000 | $58,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,378,000 | $275,000 | $402,000 | $131,000 | $264,000 |
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) | 1,985 | $328,527,000 | $165,000 | $926,000 | $87,000 | $1,793,000 |
| FHA-insured (Federal Housing Administration) | 1,002 | $145,998,000 | $145,000 | $743,000 | $58,000 | $900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 339 | $40,626,000 | $119,000 | $519,000 | $42,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 162 | $30,593,000 | $188,000 | $763,000 | $71,000 | $280,000 |
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 | 2,162 | $324,059,000 | $149,000 | $560,000 | $74,000 | $1,793,000 |
| Application Withdrawn By Applicant | 624 | $112,579,000 | $180,000 | $926,000 | $76,000 | $436,000 |
| Application Denied By Financial Institution | 464 | $72,309,000 | $155,000 | $763,000 | $64,000 | $900,000 |
| Application Approved But Not Accepted | 223 | $34,889,000 | $156,000 | $477,000 | $80,000 | $979,000 |
| Loan Purchased By The Institution | 15 | $1,908,000 | $127,000 | $209,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 229 | $35,837,000 | $156,000 | $493,000 | $69,000 | $900,000 |
| Debt-To-Income Ratio | 95 | $15,959,000 | $167,000 | $763,000 | $47,000 | $175,000 |
| Collateral | 84 | $12,012,000 | $143,000 | $412,000 | $73,000 | $197,000 |
| Other | 30 | $4,411,000 | $147,000 | $575,000 | $63,000 | $175,000 |
| Employment History | 10 | $1,534,000 | $153,000 | $417,000 | $46,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,289,000 | $184,000 | $403,000 | $55,000 | $111,000 |
| Unverifiable Information | 5 | $886,000 | $177,000 | $325,000 | $55,000 | $84,000 |
| Credit Application Incomplete | 1 | $137,000 | $137,000 | $137,000 | $97,000 | $97,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank's 2013 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About