Magnolia Bank in Kentucky vs the state
6.8%Denial rate-11.97 pts vs state
7.8%Decision denial rate-15.65 pts vs state
79.7%Origination rate+21.64 pts vs state
6.50%Median rate-0.25 pts vs state
0.31Rate spread (pts)0.00 pts vs state
$80kMedian applicant income
757Loans originated
65Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 581 | 477 | 6.4% | 6.88% | #66 |
| 2024 | 946 | 773 | 5.0% | 6.63% | #42 |
| 2025 | 950 | 757 | 6.8% | 6.50% | #44 |
What Magnolia Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 222 | 177 | 11 | 5.0% |
| Hardin County | 64 | 53 | 6 | 9.4% |
| Marshall County | 40 | 27 | 7 | 17.5% |
| Warren County | 39 | 32 | 1 | 2.6% |
| Bullitt County | 35 | 26 | 2 | 5.7% |
| Nelson County | 35 | 27 | 2 | 5.7% |
| Graves County | 33 | 27 | 3 | 9.1% |
| Christian County | 22 | 17 | 1 | 4.5% |
| Calloway County | 19 | 16 | 1 | 5.3% |
| Laurel County | 19 | 14 | 2 | 10.5% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 950 applications in 2025, of which 757 were originated and 65 denied.
6.8% of all applications, or 7.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Magnolia Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Magnolia Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology