Lender in Kentucky · HMDA 2025
Magnolia Bank, Incorporated mortgages in Kentucky
Magnolia Bank, Incorporated's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Magnolia Bank, Incorporated originated 665 owner-occupied single-family loans in Kentucky from 723 completed applications, making it the state's #20 lender by volume.
Its median conventional purchase loan costs were $3,920 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
665
of 723 applications
Denial rate
6.7%
Purchase · KY 8.2%
Rate spread
+0.24 pts
Conv. · KY +0.21 pts
Loan amount
$215,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 626 | 581 | 6.7% | 6.625% | +0.24 pts | $3,920 | $215,000 |
| Refinance | 37 | 32 | 10.8% | — | +0.44 pts | $3,150 | $225,000 |
| Cash-out refinance | 60 | 52 | 11.7% | — | — | — | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Magnolia Bank, Incorporated ranks in the top 25
Showing the 30 counties where it ranks highest, of 53.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clay County | 2 | 5 | 7.9% |
| Edmonson County | 3 | 14 | 7.6% |
| Knox County | 4 | 10 | 6.5% |
| Adair County | 4 | 6 | 7.5% |
| Graves County | 5 | 23 | 5.9% |
| Trigg County | 5 | 10 | 5.0% |
| Hickman County | 5 | 2 | 6.1% |
| Marshall County | 6 | 22 | 5.4% |
| Whitley County | 6 | 12 | 4.9% |
| Washington County | 6 | 4 | 3.7% |
| Russell County | 7 | 5 | 3.9% |
| Nelson County | 8 | 27 | 3.3% |
| Caldwell County | 8 | 5 | 3.6% |
| Simpson County | 9 | 10 | 2.5% |
| Taylor County | 9 | 5 | 2.7% |
| Carroll County | 9 | 4 | 3.7% |
| Calloway County | 10 | 12 | 3.5% |
| Muhlenberg County | 10 | 12 | 4.1% |
| Grayson County | 10 | 6 | 2.1% |
| Larue County | 10 | 6 | 2.7% |
| Laurel County | 11 | 11 | 2.1% |
| Marion County | 11 | 4 | 2.7% |
| Todd County | 11 | 3 | 2.5% |
| Trimble County | 11 | 3 | 3.4% |
| Anderson County | 12 | 7 | 1.9% |
| Christian County | 13 | 17 | 2.0% |
| Magoffin County | 13 | 1 | 3.7% |
| Shelby County | 14 | 14 | 1.8% |
| Hart County | 14 | 5 | 2.2% |
| Breckinridge County | 14 | 3 | 1.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology