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Act (HMDA) records Magnolia Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 735 | $ 169,215,000 | $ 230,224 | $ 91,117 |
| Louisville/Jefferson County, KY-IN | 335 | $ 78,625,000 | $ 234,701 | $ 101,555 |
| Atlanta-Sandy Springs-Roswell, GA | 282 | $ 79,090,000 | $ 280,460 | $ 97,000 |
| Elizabethtown-Fort Knox, KY | 76 | $ 14,200,000 | $ 186,842 | $ 125,000 |
| Gulfport-Biloxi-Pascagoula, MS | 76 | $ 17,880,000 | $ 235,263 | $ 99,000 |
| Fort Worth-Arlington, TX | 53 | $ 17,825,000 | $ 336,320 | $ 142,000 |
| Savannah, GA | 47 | $ 12,265,000 | $ 260,957 | $ 94,000 |
| Bowling Green, KY | 46 | $ 11,020,000 | $ 239,565 | $ 106,000 |
| Florence, SC | 46 | $ 11,640,000 | $ 253,043 | $ 91,000 |
| Columbia, SC | 41 | $ 9,615,000 | $ 234,512 | $ 99,000 |
| Dallas-Plano-Irving, TX | 40 | $ 16,520,000 | $ 413,000 | $ 254,000 |
| Athens-Clarke County, GA | 39 | $ 8,775,000 | $ 225,000 | $ 80,000 |
| Greenville-Anderson-Mauldin, SC | 38 | $ 9,340,000 | $ 245,789 | $ 79,000 |
| Houston-The Woodlands-Sugar Land, TX | 37 | $ 10,285,000 | $ 277,972 | $ 155,000 |
| Jackson, MS | 36 | $ 9,470,000 | $ 263,055 | $ 112,000 |
| Austin-Round Rock, TX | 35 | $ 15,445,000 | $ 441,285 | $ 161,000 |
| Wilmington, DE-MD-NJ | 34 | $ 9,960,000 | $ 292,941 | $ 90,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 32 | $ 13,460,000 | $ 420,625 | $ 133,000 |
| Charlotte-Concord-Gastonia, NC-SC | 30 | $ 10,160,000 | $ 338,666 | $ 86,100 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 30 | $ 7,770,000 | $ 259,000 | $ 94,733 |
| Bridgeport-Stamford-Norwalk, CT | 29 | $ 10,825,000 | $ 373,275 | $ 119,000 |
| Cleveland-Elyria, OH | 29 | $ 5,665,000 | $ 195,344 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 29 | $ 11,345,000 | $ 391,206 | $ 96,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 10,635,000 | $ 366,724 | $ 117,551 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 29 | $ 13,425,000 | $ 462,931 | $ 130,758 |
| Indianapolis-Carmel-Anderson, IN | 28 | $ 9,570,000 | $ 341,785 | $ 105,000 |
| Chattanooga, TN-GA | 27 | $ 7,235,000 | $ 267,962 | $ 125,481 |
| Hartford-West Hartford-East Hartford, CT | 26 | $ 7,910,000 | $ 304,230 | $ 118,000 |
| New York-Jersey City-White Plains, NY-NJ | 25 | $ 12,025,000 | $ 481,000 | $ 143,000 |
| Augusta-Richmond County, GA-SC | 23 | $ 6,025,000 | $ 261,956 | $ 96,913 |
| Asheville, NC | 22 | $ 6,120,000 | $ 278,181 | $ 115,000 |
| Providence-Warwick, RI-MA | 22 | $ 8,870,000 | $ 403,181 | $ 99,454 |
| Idaho Falls, ID | 20 | $ 5,680,000 | $ 284,000 | $ 118,000 |
| Las Vegas-Henderson-Paradise, NV | 18 | $ 6,910,000 | $ 383,888 | $ 92,000 |
| New Haven-Milford, CT | 18 | $ 4,430,000 | $ 246,111 | $ 88,000 |
| Birmingham-Hoover, AL | 17 | $ 5,375,000 | $ 316,176 | $ 101,000 |
| Fayetteville, NC | 17 | $ 4,245,000 | $ 249,705 | $ 89,000 |
| Cincinnati, OH-KY-IN | 16 | $ 4,120,000 | $ 257,500 | $ 95,625 |
| Huntsville, AL | 16 | $ 4,830,000 | $ 301,875 | $ 91,000 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 7,270,000 | $ 454,375 | $ 160,000 |
| New Orleans-Metairie, LA | 16 | $ 4,390,000 | $ 274,375 | $ 87,000 |
| New York-Newark, NY | 16 | $ 7,040,000 | $ 440,000 | $ 123,000 |
| Norwich-New London, CT | 16 | $ 4,530,000 | $ 283,125 | $ 123,000 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 7,780,000 | $ 486,250 | $ 117,000 |
| Albuquerque, NM | 15 | $ 4,625,000 | $ 308,333 | $ 70,000 |
| Boston, MA | 15 | $ 8,625,000 | $ 575,000 | $ 131,000 |
| Raleigh, NC | 15 | $ 5,795,000 | $ 386,333 | $ 109,000 |
| Daphne-Fairhope-Foley, AL | 14 | $ 4,010,000 | $ 286,428 | $ 160,000 |
| Denver-Aurora-Lakewood, CO | 14 | $ 6,270,000 | $ 447,857 | $ 86,000 |
| Oklahoma City, OK | 14 | $ 3,890,000 | $ 277,857 | $ 206,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,885,000 | $ 221,923 | $ 91,000 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 5,195,000 | $ 399,615 | $ 154,000 |
| Chicago-Naperville, IL | 12 | $ 3,440,000 | $ 286,666 | $ 97,000 |
| Clarksville, TN-KY | 12 | $ 3,200,000 | $ 266,666 | $ 77,833 |
| Hinesville, GA | 12 | $ 3,280,000 | $ 273,333 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 12 | $ 8,900,000 | $ 741,666 | $ 95,000 |
| Richmond, VA | 12 | $ 3,960,000 | $ 330,000 | $ 100,000 |
| Camden, NJ | 11 | $ 3,175,000 | $ 288,636 | $ 82,000 |
| Canton-Massillon, OH | 11 | $ 2,715,000 | $ 246,818 | $ 76,000 |
| Colorado Springs, CO | 11 | $ 3,755,000 | $ 341,363 | $ 81,000 |
| Columbus, OH | 11 | $ 2,725,000 | $ 247,727 | $ 75,000 |
| Dover, DE | 11 | $ 3,275,000 | $ 297,727 | $ 94,000 |
| Kansas City, MO-KS | 11 | $ 3,255,000 | $ 295,909 | $ 101,090 |
| Memphis, TN-MS-AR | 11 | $ 3,095,000 | $ 281,363 | $ 101,454 |
| Pittsburgh, PA | 11 | $ 2,835,000 | $ 257,727 | $ 105,000 |
| St. Louis, MO-IL | 11 | $ 2,925,000 | $ 265,909 | $ 102,272 |
| Akron, OH | 10 | $ 1,670,000 | $ 167,000 | $ 87,000 |
| Charleston-North Charleston, SC | 10 | $ 3,280,000 | $ 328,000 | $ 75,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 4,545,000 | $ 505,000 | $ 118,000 |
| Danville, IL | 9 | $ 825,000 | $ 91,666 | $ 49,000 |
| Lancaster, PA | 9 | $ 3,045,000 | $ 338,333 | $ 137,000 |
| Philadelphia, PA | 9 | $ 1,835,000 | $ 203,888 | $ 76,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 9 | $ 3,635,000 | $ 403,888 | $ 95,000 |
| Salt Lake City, UT | 9 | $ 3,285,000 | $ 365,000 | $ 74,000 |
| San Diego-Carlsbad, CA | 9 | $ 4,945,000 | $ 549,444 | $ 119,000 |
| Spartanburg, SC | 9 | $ 1,735,000 | $ 192,777 | $ 82,000 |
| Tucson, AZ | 9 | $ 2,445,000 | $ 271,666 | $ 85,000 |
| Lexington-Fayette, KY | 8 | $ 1,780,000 | $ 222,500 | $ 70,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 2,630,000 | $ 328,750 | $ 101,625 |
| San Antonio-New Braunfels, TX | 8 | $ 1,860,000 | $ 232,500 | $ 109,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 1,965,000 | $ 280,714 | $ 101,000 |
| Boise City, ID | 7 | $ 2,545,000 | $ 363,571 | $ 75,000 |
| Knoxville, TN | 7 | $ 2,845,000 | $ 406,428 | $ 121,000 |
| Newark, NJ-PA | 7 | $ 2,825,000 | $ 403,571 | $ 122,285 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,135,000 | $ 305,000 | $ 102,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 2,555,000 | $ 365,000 | $ 90,000 |
| Winston-Salem, NC | 7 | $ 1,955,000 | $ 279,285 | $ 73,000 |
| Anchorage, AK | 6 | $ 2,160,000 | $ 360,000 | $ 85,000 |
| Baltimore-Columbia-Towson, MD | 6 | $ 1,370,000 | $ 228,333 | $ 61,000 |
| Bremerton-Silverdale, WA | 6 | $ 3,010,000 | $ 501,666 | $ 118,000 |
| Columbia, MO | 6 | $ 1,250,000 | $ 208,333 | $ 57,000 |
| Columbus, GA-AL | 6 | $ 1,580,000 | $ 263,333 | $ 98,500 |
| Dayton-Springfield-Kettering, OH | 6 | $ 1,660,000 | $ 276,666 | $ 108,000 |
| Gary, IN | 6 | $ 1,430,000 | $ 238,333 | $ 68,000 |
| Jacksonville, FL | 6 | $ 2,120,000 | $ 353,333 | $ 153,000 |
| Nassau County-Suffolk County, NY | 6 | $ 3,360,000 | $ 560,000 | $ 126,000 |
| Ogden-Clearfield, UT | 6 | $ 2,110,000 | $ 351,666 | $ 82,000 |
| Salem, OR | 6 | $ 2,100,000 | $ 350,000 | $ 112,000 |
| Sherman-Denison, TX | 6 | $ 2,470,000 | $ 411,666 | $ 163,000 |
| Tacoma-Lakewood, WA | 6 | $ 2,680,000 | $ 446,666 | $ 94,000 |
| Tulsa, OK | 6 | $ 1,570,000 | $ 261,666 | $ 85,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 1,680,000 | $ 280,000 | $ 100,000 |
| Baton Rouge, LA | 5 | $ 1,315,000 | $ 263,000 | $ 72,000 |
| Beaumont-Port Arthur, TX | 5 | $ 675,000 | $ 135,000 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,435,000 | $ 287,000 | $ 62,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,265,000 | $ 253,000 | $ 85,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,155,000 | $ 231,000 | $ 53,000 |
| Greeley, CO | 5 | $ 1,655,000 | $ 331,000 | $ 82,000 |
| Greensboro-High Point, NC | 5 | $ 1,335,000 | $ 267,000 | $ 79,000 |
| Harrisburg-Carlisle, PA | 5 | $ 1,415,000 | $ 283,000 | $ 102,000 |
| Hattiesburg, MS | 5 | $ 1,335,000 | $ 267,000 | $ 95,000 |
| Mobile, AL | 5 | $ 1,045,000 | $ 209,000 | $ 96,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,695,000 | $ 339,000 | $ 106,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 1,095,000 | $ 219,000 | $ 85,400 |
| Owensboro, KY | 5 | $ 815,000 | $ 163,000 | $ 67,000 |
| Worcester, MA-CT | 5 | $ 1,565,000 | $ 313,000 | $ 94,800 |
| York-Hanover, PA | 5 | $ 1,295,000 | $ 259,000 | $ 109,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,070,000 | $ 267,500 | $ 82,500 |
| Auburn-Opelika, AL | 4 | $ 1,010,000 | $ 252,500 | $ 75,000 |
| Bakersfield, CA | 4 | $ 1,110,000 | $ 277,500 | $ 81,000 |
| Barnstable Town, MA | 4 | $ 1,710,000 | $ 427,500 | $ 97,000 |
| Bloomington, IN | 4 | $ 670,000 | $ 167,500 | $ 63,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 710,000 | $ 177,500 | $ 91,000 |
| Cape Girardeau, MO-IL | 4 | $ 890,000 | $ 222,500 | $ 62,000 |
| Cleveland, TN | 4 | $ 1,350,000 | $ 337,500 | $ 112,000 |
| Evansville, IN-KY | 4 | $ 670,000 | $ 167,500 | $ 51,500 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,670,000 | $ 417,500 | $ 240,000 |
| Gainesville, GA | 4 | $ 900,000 | $ 225,000 | $ 80,000 |
| Goldsboro, NC | 4 | $ 1,040,000 | $ 260,000 | $ 100,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 980,000 | $ 245,000 | $ 56,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,250,000 | $ 312,500 | $ 97,000 |
| Homosassa Springs, FL | 4 | $ 810,000 | $ 202,500 | $ 78,000 |
| Jacksonville, NC | 4 | $ 920,000 | $ 230,000 | $ 61,000 |
| Montgomery, AL | 4 | $ 1,260,000 | $ 315,000 | $ 92,000 |
| Ocala, FL | 4 | $ 590,000 | $ 147,500 | $ 69,000 |
| Rome, GA | 4 | $ 720,000 | $ 180,000 | $ 61,000 |
| Salisbury, MD-DE | 4 | $ 1,480,000 | $ 370,000 | $ 130,000 |
| Ann Arbor, MI | 3 | $ 1,095,000 | $ 365,000 | $ 85,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 745,000 | $ 248,333 | $ 119,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 635,000 | $ 211,666 | $ 85,000 |
| Farmington, NM | 3 | $ 1,035,000 | $ 345,000 | $ 112,000 |
| Florence-Muscle Shoals, AL | 3 | $ 595,000 | $ 198,333 | $ 78,000 |
| Fresno, CA | 3 | $ 1,045,000 | $ 348,333 | $ 139,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 675,000 | $ 225,000 | $ 54,000 |
| Hot Springs, AR | 3 | $ 255,000 | $ 85,000 | $ 40,000 |
| Johnson City, TN | 3 | $ 765,000 | $ 255,000 | $ 76,000 |
| Jonesboro, AR | 3 | $ 655,000 | $ 218,333 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 695,000 | $ 231,666 | $ 104,000 |
| Lawton, OK | 3 | $ 825,000 | $ 275,000 | $ 130,000 |
| Madison, WI | 3 | $ 765,000 | $ 255,000 | $ 86,000 |
| Manchester-Nashua, NH | 3 | $ 1,085,000 | $ 361,666 | $ 71,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 765,000 | $ 255,000 | $ 72,000 |
| Monroe, LA | 3 | $ 755,000 | $ 251,666 | $ 90,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 805,000 | $ 268,333 | $ 89,000 |
| Redding, CA | 3 | $ 745,000 | $ 248,333 | $ 152,000 |
| Roanoke, VA | 3 | $ 935,000 | $ 311,666 | $ 114,000 |
| Rockingham County-Strafford County, NH | 3 | $ 1,075,000 | $ 358,333 | $ 106,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 515,000 | $ 171,666 | $ 59,000 |
| Sebring, FL | 3 | $ 615,000 | $ 205,000 | $ 72,000 |
| Shreveport-Bossier City, LA | 3 | $ 855,000 | $ 285,000 | $ 89,000 |
| Springfield, IL | 3 | $ 875,000 | $ 291,666 | $ 119,000 |
| Springfield, MO | 3 | $ 1,115,000 | $ 371,666 | $ 78,000 |
| Toledo, OH | 3 | $ 655,000 | $ 218,333 | $ 53,000 |
| Trenton, NJ | 3 | $ 765,000 | $ 255,000 | $ 78,000 |
| Warner Robins, GA | 3 | $ 715,000 | $ 238,333 | $ 105,000 |
| Albany, GA | 2 | $ 420,000 | $ 210,000 | $ 76,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,040,000 | $ 520,000 | $ 177,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 230,000 | $ 115,000 | $ 92,000 |
| Burlington, NC | 2 | $ 610,000 | $ 305,000 | $ 86,000 |
| Carson City, NV | 2 | $ 600,000 | $ 300,000 | $ 67,000 |
| Cedar Rapids, IA | 2 | $ 550,000 | $ 275,000 | $ 85,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 680,000 | $ 340,000 | $ 110,000 |
| Decatur, AL | 2 | $ 370,000 | $ 185,000 | $ 71,000 |
| Des Moines-West Des Moines, IA | 2 | $ 440,000 | $ 220,000 | $ 67,000 |
| Dothan, AL | 2 | $ 780,000 | $ 390,000 | $ 119,000 |
| East Stroudsburg, PA | 2 | $ 610,000 | $ 305,000 | $ 101,000 |
| Eugene, OR | 2 | $ 770,000 | $ 385,000 | $ 80,000 |
| Flagstaff, AZ | 2 | $ 980,000 | $ 490,000 | $ 166,000 |
| Grand Island, NE | 2 | $ 460,000 | $ 230,000 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 600,000 | $ 300,000 | $ 86,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 360,000 | $ 180,000 | $ 111,000 |
| Jackson, MI | 2 | $ 570,000 | $ 285,000 | $ 91,000 |
| Jackson, TN | 2 | $ 510,000 | $ 255,000 | $ 63,000 |
| Joplin, MO | 2 | $ 510,000 | $ 255,000 | $ 91,000 |
| Killeen-Temple, TX | 2 | $ 510,000 | $ 255,000 | $ 79,000 |
| Kingston, NY | 2 | $ 840,000 | $ 420,000 | $ 109,000 |
| Lafayette, LA | 2 | $ 520,000 | $ 260,000 | $ 56,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 490,000 | $ 245,000 | $ 70,000 |
| Las Cruces, NM | 2 | $ 720,000 | $ 360,000 | $ 111,000 |
| Manhattan, KS | 2 | $ 470,000 | $ 235,000 | $ 97,000 |
| Medford, OR | 2 | $ 500,000 | $ 250,000 | $ 79,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,060,000 | $ 530,000 | $ 99,000 |
| Monroe, MI | 2 | $ 420,000 | $ 210,000 | $ 71,000 |
| Morgantown, WV | 2 | $ 550,000 | $ 275,000 | $ 140,000 |
| New Bern, NC | 2 | $ 670,000 | $ 335,000 | $ 93,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,260,000 | $ 630,000 | $ 139,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 470,000 | $ 235,000 | $ 54,000 |
| Peoria, IL | 2 | $ 460,000 | $ 230,000 | $ 108,000 |
| Pueblo, CO | 2 | $ 600,000 | $ 300,000 | $ 63,000 |
| Rapid City, SD | 2 | $ 710,000 | $ 355,000 | $ 149,000 |
| Reading, PA | 2 | $ 700,000 | $ 350,000 | $ 98,000 |
| Reno, NV | 2 | $ 880,000 | $ 440,000 | $ 96,000 |
| Rochester, NY | 2 | $ 370,000 | $ 185,000 | $ 177,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 530,000 | $ 265,000 | $ 98,000 |
| Spokane-Spokane Valley, WA | 2 | $ 1,180,000 | $ 590,000 | $ 123,000 |
| Stockton-Lodi, CA | 2 | $ 720,000 | $ 360,000 | $ 64,000 |
| Sumter, SC | 2 | $ 440,000 | $ 220,000 | $ 71,000 |
| Tallahassee, FL | 2 | $ 550,000 | $ 275,000 | $ 107,000 |
| Topeka, KS | 2 | $ 490,000 | $ 245,000 | $ 97,000 |
| Tuscaloosa, AL | 2 | $ 590,000 | $ 295,000 | $ 122,000 |
| Valdosta, GA | 2 | $ 520,000 | $ 260,000 | $ 60,000 |
| Vallejo-Fairfield, CA | 2 | $ 880,000 | $ 440,000 | $ 71,000 |
| Visalia-Porterville, CA | 2 | $ 680,000 | $ 340,000 | $ 93,000 |
| Walla Walla, WA | 2 | $ 630,000 | $ 315,000 | $ 79,000 |
| Wilmington, NC | 2 | $ 690,000 | $ 345,000 | $ 72,000 |
| Yuma, AZ | 2 | $ 690,000 | $ 345,000 | $ 87,000 |
| Alexandria, LA | 1 | $ 125,000 | $ 125,000 | $ 169,000 |
| Appleton, WI | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Binghamton, NY | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Carbondale-Marion, IL | 1 | $ 375,000 | $ 375,000 | $ 136,000 |
| Charlottesville, VA | 1 | $ 725,000 | $ 725,000 | $ 434,000 |
| Cheyenne, WY | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
| Coeur D'Alene, ID | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 255,000 | $ 255,000 | $ 59,000 |
| Duluth, MN-WI | 1 | $ 305,000 | $ 305,000 | $ 51,000 |
| Eau Claire, WI | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Elgin, IL | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Elkhart-Goshen, IN | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Erie, PA | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Fairbanks, AK | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Flint, MI | 1 | $ 255,000 | $ 255,000 | $ 143,000 |
| Fort Collins, CO | 1 | $ 275,000 | $ 275,000 | $ 106,000 |
| Fort Smith, AR-OK | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Gainesville, FL | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Grand Forks, ND-MN | 1 | $ 285,000 | $ 285,000 | $ 529,000 |
| Grand Junction, CO | 1 | $ 305,000 | $ 305,000 | $ 64,000 |
| Grants Pass, OR | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Green Bay, WI | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Greenville, NC | 1 | $ 305,000 | $ 305,000 | $ 72,000 |
| Hanford-Corcoran, CA | 1 | $ 465,000 | $ 465,000 | $ 135,000 |
| Harrisonburg, VA | 1 | $ 525,000 | $ 525,000 | $ 96,000 |
| Iowa City, IA | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Ithaca, NY | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Jefferson City, MO | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Kalamazoo-Portage, MI | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Lafayette-West Lafayette, IN | 1 | $ 285,000 | $ 285,000 | $ 63,000 |
| Lake Charles, LA | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Lakeland-Winter Haven, FL | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Lansing-East Lansing, MI | 1 | $ 305,000 | $ 305,000 | $ 145,000 |
| Lebanon, PA | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Lewiston, ID-WA | 1 | $ 275,000 | $ 275,000 | $ 40,000 |
| Longview, TX | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Macon-Bibb County, GA | 1 | $ 275,000 | $ 275,000 | $ 56,000 |
| Mansfield, OH | 1 | $ 245,000 | $ 245,000 | $ 58,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Merced, CA | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Missoula, MT | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| Muskegon, MI | 1 | $ 265,000 | $ 265,000 | $ 49,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 445,000 | $ 445,000 | $ 177,000 |
| Niles-Benton Harbor, MI | 1 | $ 465,000 | $ 465,000 | $ 71,000 |
| Ocean City, NJ | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 485,000 | $ 485,000 | $ 228,000 |
| Panama City, FL | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Parkersburg-Vienna, WV | 1 | $ 325,000 | $ 325,000 | $ 69,000 |
| Pine Bluff, AR | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Port St. Lucie, FL | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Portland-South Portland, ME | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Provo-Orem, UT | 1 | $ 425,000 | $ 425,000 | $ 91,000 |
| Racine, WI | 1 | $ 345,000 | $ 345,000 | $ 99,000 |
| Rochester, MN | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Rockford, IL | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Saginaw, MI | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 615,000 | $ 615,000 | $ 109,000 |
| Santa Fe, NM | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 535,000 | $ 535,000 | $ 177,000 |
| Santa Rosa, CA | 1 | $ 245,000 | $ 245,000 | $ 123,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 625,000 | $ 625,000 | $ 175,000 |
| Sheboygan, WI | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Springfield, MA | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Springfield, OH | 1 | $ 265,000 | $ 265,000 | $ 43,000 |
| Terre Haute, IN | 1 | $ 475,000 | $ 475,000 | $ 178,000 |
| Waco, TX | 1 | $ 375,000 | $ 375,000 | $ 147,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 585,000 | $ 585,000 | $ 208,000 |
| Wausau, WI | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 515,000 | $ 515,000 | $ 110,000 |
| Wichita, KS | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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