Magnolia Bank in California vs the state
17.3%Denial rate-0.09 pts vs state
23.4%Decision denial rate+1.02 pts vs state
55.3%Origination rate-0.87 pts vs state
6.25%Median rate-0.38 pts vs state
0.00Rate spread (pts)-0.27 pts vs state
$112kMedian applicant income
83Loans originated
26Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 43 | 6.7% | 6.38% | #481 |
| 2024 | 123 | 72 | 15.5% | 5.88% | #410 |
| 2025 | 150 | 83 | 17.3% | 6.25% | #392 |
What Magnolia Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 23 | 13 | 6 | 26.1% |
| San Diego County | 22 | 6 | 6 | 27.3% |
| Riverside County | 20 | 8 | 2 | 10.0% |
| Los Angeles County | 19 | 9 | 5 | 26.3% |
| Kern County | 14 | 7 | 3 | 21.4% |
| Stanislaus County | 6 | 6 | 0 | 0.0% |
| Solano County | 4 | 3 | 1 | 25.0% |
| Sonoma County | 4 | 2 | 2 | 50.0% |
| Merced County | 4 | 4 | 0 | 0.0% |
| Sacramento County | 4 | 3 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 150 applications in 2025, of which 83 were originated and 26 denied.
17.3% of all applications, or 23.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Magnolia Bank originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Magnolia Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology