Magnolia Bank, Incorporated mortgage approval rate & lending review
Magnolia Bank, Incorporated decided 6,952 mortgage applications and funded 6,107 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Magnolia Bank, Incorporated reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Magnolia Bank, Incorporated at a glance
Approval is 9.9 points above the 79.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 3,229 / 3,456 | 99% | $255K | 3,205 |
| Home improvement loans | 93% | 52 / 56 | 100% | $135K | 52 |
| Cash-out refinance | 83% | 2,244 / 2,704 | 98% | $335K | 2,203 |
| Refinance | 89% | 319 / 357 | 97% | $305K | 308 |
| Investment property purchase | 94% | 241 / 257 | 100% | $175K | 240 |
| Investment cash-out refinance | 69% | 34 / 49 | 100% | $165K | 34 |
| Investment refinance | 91% | 51 / 56 | 100% | $115K | 51 |
Magnolia Bank, Incorporated lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 94% | $215K | 920 | 858 |
| Georgia | 93% | $275K | 804 | 741 |
| South Carolina | 90% | $225K | 489 | 439 |
| Mississippi | 96% | $235K | 434 | 414 |
| Texas | 95% | $365K | 348 | 325 |
| Indiana | 91% | $235K | 342 | 304 |
| Florida | 85% | $365K | 306 | 255 |
| Alabama | 93% | $275K | 300 | 273 |
| California | 81% | $465K | 236 | 185 |
| Pennsylvania | 81% | $305K | 219 | 175 |
| North Carolina | 83% | $305K | 209 | 172 |
| Ohio | 88% | $275K | 193 | 168 |
| Connecticut | 80% | $295K | 159 | 127 |
| New York | 85% | $315K | 155 | 129 |
| Tennessee | 82% | $365K | 154 | 125 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Magnolia Bank, Incorporated lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 94% | 497 | 464 |
| Carroll County, GA | Mortgage lenders | 98% | 218 | 213 |
| Clark County, IN | Mortgage lenders | 96% | 207 | 194 |
| Harrison County, MS | Mortgage lenders | 98% | 176 | 171 |
| Florence County, SC | Mortgage lenders | 96% | 114 | 110 |
| Warren County, KY | Mortgage lenders | 94% | 89 | 84 |
| Jackson County, MS | Mortgage lenders | 97% | 75 | 73 |
| Baldwin County, AL | Mortgage lenders | 97% | 71 | 69 |
| New Castle County, DE | Mortgage lenders | 92% | 65 | 60 |
| Madison County, MS | Mortgage lenders | 98% | 53 | 51 |
| Paulding County, GA | Mortgage lenders | 98% | 41 | 40 |
| Rankin County, MS | Mortgage lenders | 98% | 41 | 40 |
The county markets where Magnolia Bank, Incorporated made the most loans. Each link opens that market with every lender ranked.
Questions about Magnolia Bank, Incorporated
What is Magnolia Bank, Incorporated's mortgage approval rate?
Magnolia Bank, Incorporated approved 89.0% of the 6,952 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.9 points above the 79.0% national rate for the same mix of loan types.
How often do borrowers take the loan Magnolia Bank, Incorporated offers?
Borrowers accepted 99% of the loans Magnolia Bank, Incorporated approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Magnolia Bank, Incorporated make?
The typical home purchase mortgage loan Magnolia Bank, Incorporated made was $255K; across all loan types its typical loan ran from $115K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Magnolia Bank, Incorporated lend?
Magnolia Bank, Incorporated decided applications in 50 of the states Fat Boy Data covers, most of them in Kentucky, Georgia and South Carolina.
Can I apply to Magnolia Bank, Incorporated directly?
Yes. Magnolia Bank, Incorporated is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Magnolia Bank, Incorporated's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Magnolia Bank, Incorporated treats applications, then get a rate quote from the lender.