Magnolia Bank Mortgage Lending & HMDA Data, 2018
In 2018, Magnolia Bank of Hodgenville, KY reported 13,577 mortgage applications totaling $3.1 billion, up 95% from 2017. The average application was for $229,006, and applicants reported an average income of $84,355. 44% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (855), Atlanta-Sandy Springs-Roswell, GA (597) and New York-Jersey City-White Plains, NY-NJ (359) (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 | 13,577 |
| Total Mortgage Loan Application Amount | $3,109,225,000 |
| Average Mortgage Loan Application Amount | $229,006 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $84,355 |
| Highest Applicant Income | $2,489,000 |
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Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 2,311 | $ 398,875,000 | $ 172,598 | $ 73,251 |
| Louisville/Jefferson County, KY-IN | 855 | $ 149,145,000 | $ 174,438 | $ 70,072 |
| Atlanta-Sandy Springs-Roswell, GA | 597 | $ 118,305,000 | $ 198,165 | $ 78,000 |
| New York-Jersey City-White Plains, NY-NJ | 359 | $ 130,635,000 | $ 363,885 | $ 109,584 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 266 | $ 93,020,000 | $ 349,699 | $ 113,338 |
| Bowling Green, KY | 205 | $ 31,855,000 | $ 155,390 | $ 80,000 |
| Augusta-Richmond County, GA-SC | 201 | $ 35,965,000 | $ 178,930 | $ 80,154 |
| Riverside-San Bernardino-Ontario, CA | 175 | $ 54,545,000 | $ 311,685 | $ 87,000 |
| Tampa-St. Petersburg-Clearwater, FL | 170 | $ 41,420,000 | $ 243,647 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 166 | $ 69,260,000 | $ 417,228 | $ 102,000 |
| Asheville, NC | 162 | $ 33,150,000 | $ 204,629 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 159 | $ 40,885,000 | $ 257,138 | $ 82,000 |
| Savannah, GA | 142 | $ 28,750,000 | $ 202,464 | $ 90,000 |
| Las Vegas-Henderson-Paradise, NV | 141 | $ 37,215,000 | $ 263,936 | $ 73,000 |
| Columbia, SC | 133 | $ 26,865,000 | $ 201,992 | $ 76,000 |
| Charlotte-Concord-Gastonia, NC-SC | 131 | $ 29,775,000 | $ 227,290 | $ 84,167 |
| Denver-Aurora-Lakewood, CO | 127 | $ 41,745,000 | $ 328,700 | $ 95,000 |
| Indianapolis-Carmel-Anderson, IN | 123 | $ 24,955,000 | $ 202,886 | $ 95,000 |
| Jackson, MS | 115 | $ 22,115,000 | $ 192,304 | $ 76,000 |
| Orlando-Kissimmee-Sanford, FL | 114 | $ 26,610,000 | $ 233,421 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 114 | $ 30,080,000 | $ 263,859 | $ 89,175 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 113 | $ 27,775,000 | $ 245,796 | $ 87,575 |
| Chicago-Naperville-Arlington Heights, IL | 112 | $ 27,010,000 | $ 241,160 | $ 96,000 |
| Columbus, OH | 112 | $ 22,830,000 | $ 203,839 | $ 80,000 |
| Houston-The Woodlands-Sugar Land, TX | 112 | $ 22,750,000 | $ 203,125 | $ 94,000 |
| Boston, MA | 111 | $ 38,185,000 | $ 344,009 | $ 96,000 |
| Nassau County-Suffolk County, NY | 109 | $ 40,125,000 | $ 368,119 | $ 124,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 108 | $ 30,820,000 | $ 285,370 | $ 81,240 |
| Athens-Clarke County, GA | 103 | $ 18,235,000 | $ 177,038 | $ 70,000 |
| Elizabethtown-Fort Knox, KY | 100 | $ 13,760,000 | $ 137,600 | $ 85,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 100 | $ 24,850,000 | $ 248,500 | $ 91,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 96 | $ 28,890,000 | $ 300,937 | $ 81,000 |
| St. Louis, MO-IL | 96 | $ 20,520,000 | $ 213,750 | $ 89,000 |
| San Diego-Carlsbad, CA | 95 | $ 36,645,000 | $ 385,736 | $ 105,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 94 | $ 18,060,000 | $ 192,127 | $ 76,563 |
| Cleveland-Elyria, OH | 93 | $ 16,265,000 | $ 174,892 | $ 86,000 |
| Baltimore-Columbia-Towson, MD | 92 | $ 27,700,000 | $ 301,086 | $ 114,000 |
| Akron, OH | 91 | $ 14,405,000 | $ 158,296 | $ 60,000 |
| Dallas-Plano-Irving, TX | 88 | $ 19,890,000 | $ 226,022 | $ 101,000 |
| Newark, NJ-PA | 87 | $ 22,885,000 | $ 263,045 | $ 94,482 |
| Fort Worth-Arlington, TX | 86 | $ 17,120,000 | $ 199,069 | $ 123,000 |
| Raleigh, NC | 86 | $ 19,650,000 | $ 228,488 | $ 84,000 |
| Greenville-Anderson-Mauldin, SC | 85 | $ 18,335,000 | $ 215,705 | $ 97,000 |
| Cambridge-Newton-Framingham, MA | 78 | $ 26,940,000 | $ 345,384 | $ 99,000 |
| Jacksonville, FL | 78 | $ 16,970,000 | $ 217,564 | $ 74,000 |
| Oakland-Hayward-Berkeley, CA | 77 | $ 33,115,000 | $ 430,064 | $ 136,000 |
| Charleston-North Charleston, SC | 74 | $ 18,530,000 | $ 250,405 | $ 78,000 |
| Cincinnati, OH-KY-IN | 71 | $ 14,515,000 | $ 204,436 | $ 91,676 |
| Beaumont-Port Arthur, TX | 66 | $ 10,420,000 | $ 157,878 | $ 87,000 |
| Richmond, VA | 64 | $ 16,830,000 | $ 262,968 | $ 88,000 |
| Providence-Warwick, RI-MA | 63 | $ 15,945,000 | $ 253,095 | $ 82,015 |
| Huntsville, AL | 62 | $ 12,030,000 | $ 194,032 | $ 88,000 |
| Bridgeport-Stamford-Norwalk, CT | 61 | $ 19,975,000 | $ 327,459 | $ 100,000 |
| Warren-Troy-Farmington Hills, MI | 60 | $ 13,040,000 | $ 217,333 | $ 115,000 |
| Colorado Springs, CO | 59 | $ 15,675,000 | $ 265,677 | $ 76,000 |
| Memphis, TN-MS-AR | 56 | $ 11,920,000 | $ 212,857 | $ 74,714 |
| Miami-Miami Beach-Kendall, FL | 53 | $ 14,965,000 | $ 282,358 | $ 172,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 52 | $ 16,590,000 | $ 319,038 | $ 107,000 |
| Boise City, ID | 51 | $ 11,365,000 | $ 222,843 | $ 62,000 |
| Salt Lake City, UT | 51 | $ 14,075,000 | $ 275,980 | $ 89,000 |
| Lexington-Fayette, KY | 47 | $ 8,395,000 | $ 178,617 | $ 78,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 45 | $ 16,875,000 | $ 375,000 | $ 120,000 |
| Ogden-Clearfield, UT | 44 | $ 10,410,000 | $ 236,590 | $ 72,000 |
| Florence, SC | 43 | $ 6,035,000 | $ 140,348 | $ 49,000 |
| New Orleans-Metairie, LA | 43 | $ 11,365,000 | $ 264,302 | $ 90,000 |
| San Antonio-New Braunfels, TX | 43 | $ 8,835,000 | $ 205,465 | $ 93,000 |
| Wilmington, DE-MD-NJ | 43 | $ 10,505,000 | $ 244,302 | $ 73,441 |
| Albuquerque, NM | 41 | $ 8,475,000 | $ 206,707 | $ 64,000 |
| North Port-Sarasota-Bradenton, FL | 40 | $ 10,560,000 | $ 264,000 | $ 102,000 |
| Tucson, AZ | 39 | $ 9,285,000 | $ 238,076 | $ 80,000 |
| Austin-Round Rock, TX | 38 | $ 9,610,000 | $ 252,894 | $ 90,000 |
| Birmingham-Hoover, AL | 38 | $ 8,580,000 | $ 225,789 | $ 94,000 |
| Clarksville, TN-KY | 38 | $ 7,140,000 | $ 187,894 | $ 72,000 |
| Columbus, GA-AL | 38 | $ 6,150,000 | $ 161,842 | $ 56,000 |
| Kansas City, MO-KS | 38 | $ 8,490,000 | $ 223,421 | $ 85,000 |
| Anaheim-Santa Ana-Irvine, CA | 37 | $ 18,755,000 | $ 506,891 | $ 145,000 |
| Montgomery County-Bucks County-Chester County, PA | 36 | $ 9,210,000 | $ 255,833 | $ 78,000 |
| Cape Girardeau, MO-IL | 35 | $ 5,895,000 | $ 168,428 | $ 75,000 |
| Philadelphia, PA | 34 | $ 7,080,000 | $ 208,235 | $ 120,000 |
| Camden, NJ | 33 | $ 7,505,000 | $ 227,424 | $ 99,000 |
| Lakeland-Winter Haven, FL | 33 | $ 6,735,000 | $ 204,090 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 32 | $ 9,410,000 | $ 294,062 | $ 112,000 |
| Oklahoma City, OK | 32 | $ 8,190,000 | $ 255,937 | $ 105,000 |
| Valdosta, GA | 32 | $ 4,320,000 | $ 135,000 | $ 60,000 |
| Vallejo-Fairfield, CA | 32 | $ 11,120,000 | $ 347,500 | $ 80,000 |
| Hartford-West Hartford-East Hartford, CT | 31 | $ 6,435,000 | $ 207,580 | $ 75,000 |
| Seattle-Bellevue-Everett, WA | 31 | $ 9,575,000 | $ 308,870 | $ 86,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 30 | $ 6,040,000 | $ 201,333 | $ 76,000 |
| Fayetteville, NC | 30 | $ 6,190,000 | $ 206,333 | $ 81,000 |
| Knoxville, TN | 30 | $ 6,260,000 | $ 208,666 | $ 79,000 |
| Baton Rouge, LA | 29 | $ 7,275,000 | $ 250,862 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 29 | $ 5,755,000 | $ 198,448 | $ 66,000 |
| Fresno, CA | 29 | $ 6,515,000 | $ 224,655 | $ 69,000 |
| Palm Bay-Melbourne-Titusville, FL | 29 | $ 6,305,000 | $ 217,413 | $ 59,000 |
| Stockton-Lodi, CA | 29 | $ 8,625,000 | $ 297,413 | $ 78,000 |
| Eugene, OR | 28 | $ 6,940,000 | $ 247,857 | $ 72,000 |
| Gary, IN | 28 | $ 5,360,000 | $ 191,428 | $ 76,000 |
| Port St. Lucie, FL | 28 | $ 6,980,000 | $ 249,285 | $ 90,000 |
| Reno, NV | 28 | $ 9,470,000 | $ 338,214 | $ 91,000 |
| Danville, IL | 27 | $ 2,905,000 | $ 107,592 | $ 82,000 |
| Detroit-Dearborn-Livonia, MI | 27 | $ 5,615,000 | $ 207,962 | $ 87,000 |
| Pittsburgh, PA | 27 | $ 6,715,000 | $ 248,703 | $ 100,000 |
| Portland-South Portland, ME | 27 | $ 7,065,000 | $ 261,666 | $ 78,000 |
| Anchorage, AK | 26 | $ 7,070,000 | $ 271,923 | $ 80,000 |
| Durham-Chapel Hill, NC | 26 | $ 5,900,000 | $ 226,923 | $ 71,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 26 | $ 4,820,000 | $ 185,384 | $ 78,000 |
| Little Rock-North Little Rock-Conway, AR | 26 | $ 5,400,000 | $ 207,692 | $ 76,000 |
| Milwaukee-Waukesha-West Allis, WI | 26 | $ 5,940,000 | $ 228,461 | $ 94,000 |
| Silver Spring-Frederick-Rockville, MD | 26 | $ 9,090,000 | $ 349,615 | $ 132,000 |
| Omaha-Council Bluffs, NE-IA | 25 | $ 5,395,000 | $ 215,800 | $ 81,480 |
| Pensacola-Ferry Pass-Brent, FL | 25 | $ 5,295,000 | $ 211,800 | $ 90,000 |
| Worcester, MA-CT | 25 | $ 5,425,000 | $ 217,000 | $ 70,720 |
| Gulfport-Biloxi-Pascagoula, MS | 24 | $ 5,070,000 | $ 211,250 | $ 147,000 |
| Lake Havasu City-Kingman, AZ | 24 | $ 5,590,000 | $ 232,916 | $ 77,000 |
| New Haven-Milford, CT | 24 | $ 4,910,000 | $ 204,583 | $ 79,000 |
| Urban Honolulu, HI | 24 | $ 9,990,000 | $ 416,250 | $ 86,000 |
| Winston-Salem, NC | 24 | $ 4,590,000 | $ 191,250 | $ 85,000 |
| Provo-Orem, UT | 23 | $ 6,705,000 | $ 291,521 | $ 70,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 23 | $ 10,245,000 | $ 445,434 | $ 166,000 |
| Hickory-Lenoir-Morganton, NC | 22 | $ 3,930,000 | $ 178,636 | $ 92,000 |
| Springfield, MA | 22 | $ 4,220,000 | $ 191,818 | $ 72,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 21 | $ 4,585,000 | $ 218,333 | $ 78,285 |
| Dayton, OH | 21 | $ 3,865,000 | $ 184,047 | $ 72,000 |
| Dover, DE | 21 | $ 4,925,000 | $ 234,523 | $ 71,000 |
| Greensboro-High Point, NC | 21 | $ 4,825,000 | $ 229,761 | $ 62,000 |
| Modesto, CA | 21 | $ 5,355,000 | $ 255,000 | $ 90,000 |
| Albany-Schenectady-Troy, NY | 20 | $ 4,680,000 | $ 234,000 | $ 90,000 |
| Crestview-Fort Walton Beach-Destin, FL | 20 | $ 5,250,000 | $ 262,500 | $ 110,000 |
| Sumter, SC | 20 | $ 2,770,000 | $ 138,500 | $ 71,000 |
| Des Moines-West Des Moines, IA | 19 | $ 3,955,000 | $ 208,157 | $ 76,000 |
| Shreveport-Bossier City, LA | 19 | $ 4,015,000 | $ 211,315 | $ 69,000 |
| Bakersfield, CA | 18 | $ 3,640,000 | $ 202,222 | $ 70,000 |
| Rockingham County-Strafford County, NH | 18 | $ 4,750,000 | $ 263,888 | $ 98,000 |
| Greeley, CO | 17 | $ 3,725,000 | $ 219,117 | $ 67,000 |
| Montgomery, AL | 17 | $ 3,375,000 | $ 198,529 | $ 73,000 |
| Sebring, FL | 17 | $ 2,575,000 | $ 151,470 | $ 53,000 |
| Spartanburg, SC | 17 | $ 3,405,000 | $ 200,294 | $ 81,000 |
| Springfield, MO | 17 | $ 2,815,000 | $ 165,588 | $ 69,000 |
| Evansville, IN-KY | 16 | $ 2,330,000 | $ 145,625 | $ 51,250 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 5,990,000 | $ 374,375 | $ 81,000 |
| Rochester, NY | 16 | $ 2,740,000 | $ 171,250 | $ 78,000 |
| Tulsa, OK | 16 | $ 2,610,000 | $ 163,125 | $ 71,000 |
| Canton-Massillon, OH | 15 | $ 2,495,000 | $ 166,333 | $ 75,000 |
| Daphne-Fairhope-Foley, AL | 15 | $ 3,835,000 | $ 255,666 | $ 108,000 |
| Manchester-Nashua, NH | 15 | $ 3,415,000 | $ 227,666 | $ 74,000 |
| Panama City, FL | 15 | $ 3,515,000 | $ 234,333 | $ 118,000 |
| Chattanooga, TN-GA | 14 | $ 2,690,000 | $ 192,142 | $ 72,285 |
| Dutchess County-Putnam County, NY | 14 | $ 4,160,000 | $ 297,142 | $ 115,000 |
| East Stroudsburg, PA | 14 | $ 2,040,000 | $ 145,714 | $ 71,000 |
| Hagerstown-Martinsburg, MD-WV | 14 | $ 3,410,000 | $ 243,571 | $ 71,357 |
| Prescott, AZ | 14 | $ 3,770,000 | $ 269,285 | $ 69,000 |
| San Francisco-Redwood City-South San Francisco, CA | 14 | $ 7,310,000 | $ 522,142 | $ 142,000 |
| Coeur D'Alene, ID | 13 | $ 3,275,000 | $ 251,923 | $ 77,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 13 | $ 3,395,000 | $ 261,153 | $ 81,000 |
| Madison, WI | 13 | $ 3,565,000 | $ 274,230 | $ 81,000 |
| Ocala, FL | 13 | $ 2,815,000 | $ 216,538 | $ 74,000 |
| Salem, OR | 13 | $ 3,325,000 | $ 255,769 | $ 76,000 |
| Salisbury, MD-DE | 13 | $ 3,955,000 | $ 304,230 | $ 94,076 |
| Tallahassee, FL | 13 | $ 3,405,000 | $ 261,923 | $ 87,000 |
| Visalia-Porterville, CA | 13 | $ 3,035,000 | $ 233,461 | $ 80,000 |
| Medford, OR | 12 | $ 3,240,000 | $ 270,000 | $ 62,000 |
| Santa Fe, NM | 12 | $ 3,070,000 | $ 255,833 | $ 68,000 |
| Wilmington, NC | 12 | $ 2,880,000 | $ 240,000 | $ 72,000 |
| Auburn-Opelika, AL | 11 | $ 2,035,000 | $ 185,000 | $ 78,000 |
| El Paso, TX | 11 | $ 2,225,000 | $ 202,272 | $ 86,000 |
| Lawton, OK | 11 | $ 3,045,000 | $ 276,818 | $ 88,000 |
| Punta Gorda, FL | 11 | $ 2,705,000 | $ 245,909 | $ 74,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 5,185,000 | $ 471,363 | $ 99,000 |
| Santa Rosa, CA | 11 | $ 3,165,000 | $ 287,727 | $ 79,000 |
| Bremerton-Silverdale, WA | 10 | $ 2,450,000 | $ 245,000 | $ 70,000 |
| Chico, CA | 10 | $ 2,630,000 | $ 263,000 | $ 76,000 |
| Fort Wayne, IN | 10 | $ 2,050,000 | $ 205,000 | $ 78,000 |
| Grand Junction, CO | 10 | $ 2,790,000 | $ 279,000 | $ 71,000 |
| Norwich-New London, CT | 10 | $ 2,650,000 | $ 265,000 | $ 144,000 |
| Salinas, CA | 10 | $ 3,360,000 | $ 336,000 | $ 85,000 |
| Santa Maria-Santa Barbara, CA | 10 | $ 4,690,000 | $ 469,000 | $ 117,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 10 | $ 1,620,000 | $ 162,000 | $ 70,000 |
| Tacoma-Lakewood, WA | 10 | $ 2,340,000 | $ 234,000 | $ 69,000 |
| Toledo, OH | 10 | $ 2,110,000 | $ 211,000 | $ 134,000 |
| Fort Smith, AR-OK | 9 | $ 1,265,000 | $ 140,555 | $ 83,888 |
| Harrisburg-Carlisle, PA | 9 | $ 1,935,000 | $ 215,000 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 2,485,000 | $ 276,111 | $ 94,666 |
| Macon-Bibb County, GA | 9 | $ 1,505,000 | $ 167,222 | $ 93,000 |
| Ocean City, NJ | 9 | $ 1,945,000 | $ 216,111 | $ 74,000 |
| Owensboro, KY | 9 | $ 1,135,000 | $ 126,111 | $ 53,000 |
| St. George, UT | 9 | $ 2,175,000 | $ 241,666 | $ 58,000 |
| The Villages, FL | 9 | $ 1,915,000 | $ 212,777 | $ 82,000 |
| Tuscaloosa, AL | 9 | $ 1,635,000 | $ 181,666 | $ 68,000 |
| Wichita, KS | 9 | $ 1,725,000 | $ 191,666 | $ 63,000 |
| Yakima, WA | 9 | $ 1,825,000 | $ 202,777 | $ 61,000 |
| Barnstable Town, MA | 8 | $ 2,490,000 | $ 311,250 | $ 72,000 |
| Bend-Redmond, OR | 8 | $ 2,070,000 | $ 258,750 | $ 47,000 |
| Brownsville-Harlingen, TX | 8 | $ 1,190,000 | $ 148,750 | $ 55,000 |
| Gainesville, GA | 8 | $ 1,400,000 | $ 175,000 | $ 80,000 |
| Grants Pass, OR | 8 | $ 2,170,000 | $ 271,250 | $ 46,000 |
| Green Bay, WI | 8 | $ 1,290,000 | $ 161,250 | $ 76,000 |
| Hanford-Corcoran, CA | 8 | $ 1,760,000 | $ 220,000 | $ 63,000 |
| Hattiesburg, MS | 8 | $ 1,140,000 | $ 142,500 | $ 51,000 |
| Idaho Falls, ID | 8 | $ 1,460,000 | $ 182,500 | $ 63,000 |
| Lynchburg, VA | 8 | $ 1,440,000 | $ 180,000 | $ 77,000 |
| Merced, CA | 8 | $ 2,060,000 | $ 257,500 | $ 70,000 |
| Pueblo, CO | 8 | $ 1,560,000 | $ 195,000 | $ 70,000 |
| Reading, PA | 8 | $ 1,830,000 | $ 228,750 | $ 94,000 |
| Rocky Mount, NC | 8 | $ 1,720,000 | $ 215,000 | $ 78,000 |
| Syracuse, NY | 8 | $ 1,490,000 | $ 186,250 | $ 108,000 |
| Warner Robins, GA | 8 | $ 1,740,000 | $ 217,500 | $ 92,000 |
| Ann Arbor, MI | 7 | $ 1,595,000 | $ 227,857 | $ 65,000 |
| Atlantic City-Hammonton, NJ | 7 | $ 1,395,000 | $ 199,285 | $ 60,000 |
| Decatur, AL | 7 | $ 1,135,000 | $ 162,142 | $ 69,000 |
| Elgin, IL | 7 | $ 1,465,000 | $ 209,285 | $ 74,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 2,025,000 | $ 289,285 | $ 78,000 |
| Jacksonville, NC | 7 | $ 1,045,000 | $ 149,285 | $ 51,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 1,785,000 | $ 255,000 | $ 108,000 |
| Oshkosh-Neenah, WI | 7 | $ 1,385,000 | $ 197,857 | $ 95,000 |
| Redding, CA | 7 | $ 1,575,000 | $ 225,000 | $ 78,000 |
| Roanoke, VA | 7 | $ 1,595,000 | $ 227,857 | $ 73,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 2,725,000 | $ 389,285 | $ 114,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,475,000 | $ 210,714 | $ 63,000 |
| Sierra Vista-Douglas, AZ | 7 | $ 1,825,000 | $ 260,714 | $ 79,000 |
| Trenton, NJ | 7 | $ 1,515,000 | $ 216,428 | $ 85,000 |
| York-Hanover, PA | 7 | $ 1,725,000 | $ 246,428 | $ 113,000 |
| Albany, OR | 6 | $ 1,430,000 | $ 238,333 | $ 49,000 |
| Alexandria, LA | 6 | $ 1,160,000 | $ 193,333 | $ 65,000 |
| Billings, MT | 6 | $ 1,130,000 | $ 188,333 | $ 40,000 |
| Binghamton, NY | 6 | $ 770,000 | $ 128,333 | $ 48,000 |
| Bloomington, IN | 6 | $ 1,340,000 | $ 223,333 | $ 60,000 |
| Boulder, CO | 6 | $ 1,700,000 | $ 283,333 | $ 71,000 |
| Brunswick, GA | 6 | $ 2,300,000 | $ 383,333 | $ 115,000 |
| Charlottesville, VA | 6 | $ 1,250,000 | $ 208,333 | $ 65,000 |
| Cheyenne, WY | 6 | $ 1,820,000 | $ 303,333 | $ 88,000 |
| Flagstaff, AZ | 6 | $ 1,620,000 | $ 270,000 | $ 89,000 |
| Great Falls, MT | 6 | $ 1,450,000 | $ 241,666 | $ 65,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 1,320,000 | $ 220,000 | $ 97,166 |
| Johnson City, TN | 6 | $ 1,150,000 | $ 191,666 | $ 73,000 |
| Killeen-Temple, TX | 6 | $ 890,000 | $ 148,333 | $ 83,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,000,000 | $ 166,666 | $ 54,000 |
| Missoula, MT | 6 | $ 2,320,000 | $ 386,666 | $ 118,000 |
| Spokane-Spokane Valley, WA | 6 | $ 1,750,000 | $ 291,666 | $ 86,000 |
| Yuba City, CA | 6 | $ 1,590,000 | $ 265,000 | $ 86,000 |
| California-Lexington Park, MD | 5 | $ 855,000 | $ 171,000 | $ 66,000 |
| Chambersburg-Waynesboro, PA | 5 | $ 1,165,000 | $ 233,000 | $ 104,000 |
| Corpus Christi, TX | 5 | $ 815,000 | $ 163,000 | $ 107,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 1,385,000 | $ 277,000 | $ 123,600 |
| Duluth, MN-WI | 5 | $ 1,165,000 | $ 233,000 | $ 106,000 |
| El Centro, CA | 5 | $ 1,325,000 | $ 265,000 | $ 319,000 |
| Glens Falls, NY | 5 | $ 955,000 | $ 191,000 | $ 67,000 |
| Goldsboro, NC | 5 | $ 1,055,000 | $ 211,000 | $ 73,000 |
| Lafayette-West Lafayette, IN | 5 | $ 1,025,000 | $ 205,000 | $ 129,000 |
| Lake Charles, LA | 5 | $ 1,215,000 | $ 243,000 | $ 74,000 |
| Lancaster, PA | 5 | $ 1,255,000 | $ 251,000 | $ 67,000 |
| Las Cruces, NM | 5 | $ 1,545,000 | $ 309,000 | $ 114,000 |
| Napa, CA | 5 | $ 1,605,000 | $ 321,000 | $ 59,000 |
| New Bern, NC | 5 | $ 1,035,000 | $ 207,000 | $ 105,000 |
| Parkersburg-Vienna, WV | 5 | $ 775,000 | $ 155,000 | $ 67,000 |
| Racine, WI | 5 | $ 955,000 | $ 191,000 | $ 83,000 |
| Twin Falls, ID | 5 | $ 1,495,000 | $ 299,000 | $ 97,000 |
| Winchester, VA-WV | 5 | $ 905,000 | $ 181,000 | $ 64,200 |
| Appleton, WI | 4 | $ 670,000 | $ 167,500 | $ 89,000 |
| Beckley, WV | 4 | $ 370,000 | $ 92,500 | $ 38,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 880,000 | $ 220,000 | $ 70,000 |
| Burlington, NC | 4 | $ 700,000 | $ 175,000 | $ 45,000 |
| Carson City, NV | 4 | $ 1,330,000 | $ 332,500 | $ 64,000 |
| Eau Claire, WI | 4 | $ 740,000 | $ 185,000 | $ 65,000 |
| Fargo, ND-MN | 4 | $ 1,080,000 | $ 270,000 | $ 355,000 |
| Hinesville, GA | 4 | $ 550,000 | $ 137,500 | $ 42,000 |
| Kennewick-Richland, WA | 4 | $ 870,000 | $ 217,500 | $ 63,000 |
| Lafayette, LA | 4 | $ 1,070,000 | $ 267,500 | $ 93,000 |
| Lansing-East Lansing, MI | 4 | $ 690,000 | $ 172,500 | $ 102,000 |
| Lincoln, NE | 4 | $ 930,000 | $ 232,500 | $ 59,000 |
| Morgantown, WV | 4 | $ 940,000 | $ 235,000 | $ 56,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,260,000 | $ 315,000 | $ 57,000 |
| Olympia-Tumwater, WA | 4 | $ 1,150,000 | $ 287,500 | $ 74,000 |
| Pocatello, ID | 4 | $ 880,000 | $ 220,000 | $ 60,000 |
| Rapid City, SD | 4 | $ 630,000 | $ 157,500 | $ 79,000 |
| Rockford, IL | 4 | $ 790,000 | $ 197,500 | $ 77,000 |
| San Rafael, CA | 4 | $ 1,220,000 | $ 305,000 | $ 83,000 |
| Sioux City, IA-NE-SD | 4 | $ 950,000 | $ 237,500 | $ 87,000 |
| Springfield, OH | 4 | $ 730,000 | $ 182,500 | $ 60,000 |
| Staunton-Waynesboro, VA | 4 | $ 790,000 | $ 197,500 | $ 78,000 |
| Waco, TX | 4 | $ 600,000 | $ 150,000 | $ 56,000 |
| Watertown-Fort Drum, NY | 4 | $ 960,000 | $ 240,000 | $ 83,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 360,000 | $ 90,000 | $ 47,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 785,000 | $ 261,666 | $ 65,000 |
| Bellingham, WA | 3 | $ 895,000 | $ 298,333 | $ 63,000 |
| Cleveland, TN | 3 | $ 1,295,000 | $ 431,666 | $ 113,000 |
| Columbia, MO | 3 | $ 665,000 | $ 221,666 | $ 83,000 |
| Columbus, IN | 3 | $ 705,000 | $ 235,000 | $ 96,000 |
| Dothan, AL | 3 | $ 615,000 | $ 205,000 | $ 80,000 |
| Fairbanks, AK | 3 | $ 625,000 | $ 208,333 | $ 46,000 |
| Florence-Muscle Shoals, AL | 3 | $ 425,000 | $ 141,666 | $ 74,000 |
| Fort Collins, CO | 3 | $ 825,000 | $ 275,000 | $ 83,000 |
| Gainesville, FL | 3 | $ 765,000 | $ 255,000 | $ 91,000 |
| Hammond, LA | 3 | $ 835,000 | $ 278,333 | $ 102,000 |
| Homosassa Springs, FL | 3 | $ 935,000 | $ 311,666 | $ 129,000 |
| Hot Springs, AR | 3 | $ 455,000 | $ 151,666 | $ 58,000 |
| Janesville-Beloit, WI | 3 | $ 425,000 | $ 141,666 | $ 78,000 |
| Lewiston-Auburn, ME | 3 | $ 625,000 | $ 208,333 | $ 58,000 |
| Logan, UT-ID | 3 | $ 675,000 | $ 225,000 | $ 83,000 |
| Longview, WA | 3 | $ 805,000 | $ 268,333 | $ 49,000 |
| Lubbock, TX | 3 | $ 435,000 | $ 145,000 | $ 46,000 |
| Madera, CA | 3 | $ 525,000 | $ 175,000 | $ 99,000 |
| Mobile, AL | 3 | $ 605,000 | $ 201,666 | $ 41,000 |
| Monroe, MI | 3 | $ 965,000 | $ 321,666 | $ 181,000 |
| Peoria, IL | 3 | $ 575,000 | $ 191,666 | $ 64,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 385,000 | $ 128,333 | $ 43,000 |
| Terre Haute, IN | 3 | $ 465,000 | $ 155,000 | $ 50,000 |
| Vineland-Bridgeton, NJ | 3 | $ 405,000 | $ 135,000 | $ 63,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 445,000 | $ 148,333 | $ 30,000 |
| Williamsport, PA | 3 | $ 435,000 | $ 145,000 | $ 75,000 |
| Amarillo, TX | 2 | $ 230,000 | $ 115,000 | $ 70,000 |
| Bay City, MI | 2 | $ 270,000 | $ 135,000 | $ 88,000 |
| Bismarck, ND | 2 | $ 570,000 | $ 285,000 | $ 80,000 |
| Burlington-South Burlington, VT | 2 | $ 410,000 | $ 205,000 | $ 144,000 |
| Charleston, WV | 2 | $ 310,000 | $ 155,000 | $ 81,000 |
| Cumberland, MD-WV | 2 | $ 170,000 | $ 85,000 | $ 49,500 |
| Dubuque, IA | 2 | $ 370,000 | $ 185,000 | $ 66,000 |
| Elkhart-Goshen, IN | 2 | $ 400,000 | $ 200,000 | $ 43,000 |
| Enid, OK | 2 | $ 260,000 | $ 130,000 | $ 57,000 |
| Erie, PA | 2 | $ 220,000 | $ 110,000 | $ 37,000 |
| Flint, MI | 2 | $ 380,000 | $ 190,000 | $ 130,000 |
| Fond Du Lac, WI | 2 | $ 410,000 | $ 205,000 | $ 65,000 |
| Grand Forks, ND-MN | 2 | $ 500,000 | $ 250,000 | $ 76,000 |
| Grand Island, NE | 2 | $ 400,000 | $ 200,000 | $ 85,000 |
| Greenville, NC | 2 | $ 260,000 | $ 130,000 | $ 74,000 |
| Iowa City, IA | 2 | $ 300,000 | $ 150,000 | $ 48,000 |
| Ithaca, NY | 2 | $ 530,000 | $ 265,000 | $ 84,000 |
| Jefferson City, MO | 2 | $ 320,000 | $ 160,000 | $ 24,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 960,000 | $ 480,000 | $ 349,000 |
| Kingston, NY | 2 | $ 500,000 | $ 250,000 | $ 93,000 |
| Mankato-North Mankato, MN | 2 | $ 470,000 | $ 235,000 | $ 118,000 |
| Mansfield, OH | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Michigan City-La Porte, IN | 2 | $ 310,000 | $ 155,000 | $ 46,000 |
| Midland, MI | 2 | $ 190,000 | $ 95,000 | $ 93,000 |
| Midland, TX | 2 | $ 360,000 | $ 180,000 | $ 119,000 |
| Monroe, LA | 2 | $ 220,000 | $ 110,000 | $ 49,000 |
| Rochester, MN | 2 | $ 470,000 | $ 235,000 | $ 41,000 |
| San Angelo, TX | 2 | $ 340,000 | $ 170,000 | $ 98,000 |
| Sherman-Denison, TX | 2 | $ 400,000 | $ 200,000 | $ 159,000 |
| Springfield, IL | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| St. Joseph, MO-KS | 2 | $ 360,000 | $ 180,000 | $ 111,000 |
| Topeka, KS | 2 | $ 380,000 | $ 190,000 | $ 47,000 |
| Utica-Rome, NY | 2 | $ 420,000 | $ 210,000 | $ 192,000 |
| Wausau, WI | 2 | $ 340,000 | $ 170,000 | $ 59,000 |
| Wheeling, WV-OH | 2 | $ 320,000 | $ 160,000 | $ 141,000 |
| Ames, IA | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Bangor, ME | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Bloomington, IL | 1 | $ 335,000 | $ 335,000 | $ 123,000 |
| Bloomsburg-Berwick, PA | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Casper, WY | 1 | $ 215,000 | $ 215,000 | $ 41,000 |
| Cedar Rapids, IA | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Champaign-Urbana, IL | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Corvallis, OR | 1 | $ 515,000 | $ 515,000 | $ 187,000 |
| Dalton, GA | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Elmira, NY | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Gadsden, AL | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Gettysburg, PA | 1 | $ 305,000 | $ 305,000 | $ 102,000 |
| Houma-Thibodaux, LA | 1 | $ 135,000 | $ 135,000 | $ 199,000 |
| Jackson, MI | 1 | $ 155,000 | $ 155,000 | $ 255,000 |
| Johnstown, PA | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Jonesboro, AR | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Joplin, MO | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Kokomo, IN | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Longview, TX | 1 | $ 335,000 | $ 335,000 | $ 99,000 |
| Manhattan, KS | 1 | $ 365,000 | $ 365,000 | $ 200,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Morristown, TN | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Muncie, IN | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Niles-Benton Harbor, MI | 1 | $ 285,000 | $ 285,000 | $ 116,000 |
| Odessa, TX | 1 | $ 125,000 | $ 125,000 | $ 1,104,000 |
| Pittsfield, MA | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Texarkana, TX-AR | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Victoria, TX | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Walla Walla, WA | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 455,000 | $ 455,000 | $ 81,000 |
| Wenatchee, WA | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Wichita Falls, TX | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Yuma, AZ | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Magnolia Bank in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 6,222 | $1,596,920,000 | $256,000 | $2,025,000 | $86,000 | $1,525,000 |
| Home Purchase | 4,504 | $808,020,000 | $179,000 | $1,685,000 | $78,000 | $2,489,000 |
| Refinancing | 2,741 | $677,745,000 | $247,000 | $1,805,000 | $91,000 | $2,443,000 |
| Home Improvement | 106 | $25,100,000 | $236,000 | $705,000 | $86,000 | $239,000 |
| Other Purpose | 4 | $1,440,000 | $360,000 | $845,000 | $86,000 | $140,000 |
| 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 | 7,952 | $1,717,860,000 | $216,000 | $2,025,000 | $84,000 | $2,489,000 |
| Not Provided | 3,376 | $833,340,000 | $246,000 | $1,685,000 | $84,000 | $1,941,000 |
| Black or African American | 1,306 | $316,090,000 | $242,000 | $985,000 | $83,000 | $856,000 |
| Hispanic | 586 | $149,890,000 | $255,000 | $1,065,000 | $98,000 | $2,443,000 |
| Asian | 227 | $60,475,000 | $266,000 | $1,075,000 | $88,000 | $350,000 |
| American Indian or Alaskan Native | 64 | $14,840,000 | $231,000 | $655,000 | $72,000 | $218,000 |
| Native Hawaiian or Other Pacific Islander | 45 | $12,985,000 | $288,000 | $675,000 | $82,000 | $224,000 |
| Not applicable | 17 | $2,845,000 | $167,000 | $415,000 | $96,000 | $102,000 |
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) | 5,542 | $1,244,870,000 | $224,000 | $2,025,000 | $99,000 | $2,489,000 |
| VA-guaranteed (Veterans Administration) | 4,540 | $1,212,080,000 | $266,000 | $1,505,000 | $83,000 | $1,322,000 |
| FHA-insured (Federal Housing Administration) | 2,790 | $557,580,000 | $199,000 | $695,000 | $68,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 705 | $94,695,000 | $134,000 | $775,000 | $49,000 | $182,000 |
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 | 5,982 | $1,162,840,000 | $194,000 | $1,605,000 | $81,000 | $2,489,000 |
| Application Withdrawn By Applicant | 5,499 | $1,452,805,000 | $264,000 | $2,025,000 | $90,000 | $1,941,000 |
| Application Denied By Financial Institution | 1,090 | $275,450,000 | $252,000 | $1,835,000 | $76,000 | $1,525,000 |
| Application Approved But Not Accepted | 796 | $164,350,000 | $206,000 | $825,000 | $82,000 | $577,000 |
| File Closed For Incompleteness | 208 | $53,270,000 | $256,000 | $1,835,000 | $87,000 | $577,000 |
| Loan Purchased By The Institution | 2 | $510,000 | $255,000 | $295,000 | $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 | 12,487 | $2,833,775,000 | $226,000 | $2,025,000 | $85,000 | $2,489,000 |
| Debt-To-Income Ratio | 463 | $129,795,000 | $280,000 | $1,835,000 | $60,000 | $681,000 |
| Credit History | 252 | $58,050,000 | $230,000 | $1,685,000 | $85,000 | $548,000 |
| Collateral | 168 | $36,940,000 | $219,000 | $595,000 | $83,000 | $572,000 |
| Other | 82 | $16,720,000 | $203,000 | $725,000 | $81,000 | $440,000 |
| Credit Application Incomplete | 60 | $20,390,000 | $339,000 | $1,725,000 | $141,000 | $1,525,000 |
| Unverifiable Information | 25 | $5,095,000 | $203,000 | $435,000 | $71,000 | $274,000 |
| Employment History | 20 | $4,250,000 | $212,000 | $455,000 | $66,000 | $246,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $3,535,000 | $207,000 | $495,000 | $59,000 | $105,000 |
| Mortgage Insurance Denied | 3 | $675,000 | $225,000 | $285,000 | $106,000 | $119,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Magnolia Bank's 2018 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.
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