Magnolia Bank in Mississippi vs the state
4.9%Denial rate-18.01 pts vs state
5.5%Decision denial rate-22.94 pts vs state
83.7%Origination rate+30.82 pts vs state
6.38%Median rate-0.38 pts vs state
0.29Rate spread (pts)-0.04 pts vs state
$90kMedian applicant income
426Loans originated
25Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 221 | 184 | 5.4% | 6.56% | #75 |
| 2024 | 393 | 314 | 4.8% | 6.50% | #46 |
| 2025 | 509 | 426 | 4.9% | 6.38% | #37 |
What Magnolia Bank lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 100 | 82 | 2 | 2.0% |
| Lowndes County | 52 | 48 | 1 | 1.9% |
| Jackson County | 50 | 42 | 1 | 2.0% |
| Lee County | 24 | 21 | 1 | 4.2% |
| Hancock County | 21 | 18 | 1 | 4.8% |
| Oktibbeha County | 20 | 16 | 1 | 5.0% |
| Rankin County | 19 | 16 | 0 | 0.0% |
| Madison County | 18 | 15 | 0 | 0.0% |
| Lauderdale County | 14 | 13 | 0 | 0.0% |
| Pontotoc County | 14 | 13 | 1 | 7.1% |
Other large lenders in Mississippi
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 6,764 | 48.5% | 10.56% |
| Trustmark National Bank | C | 5,531 | 12.5% | 6.75% |
| Cadence Bank | B | 5,301 | 19.2% | 7.25% |
| Regions Bank | C | 4,916 | 44.7% | 5.75% |
| Rocket Mortgage | C | 4,636 | 24.8% | 6.63% |
| Community Bank of Mississippi | C | 3,856 | 9.0% | 7.65% |
| Renasant Bank | B | 3,188 | 14.3% | 6.99% |
| Triad Financial Services | D | 3,140 | 34.4% | 8.76% |
| Vanderbilt Mortgage and Finance | F | 2,840 | 44.3% | 10.25% |
| BankPlus | B | 2,638 | 10.7% | 6.50% |
Frequently asked questions
Mississippi: 509 applications in 2025, of which 426 were originated and 25 denied.
4.9% of all applications, or 5.5% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Magnolia Bank originated in Mississippi in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Magnolia Bank's own HMDA filing for properties located in Mississippi, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology