Magnolia Bank in Oklahoma vs the state
8.8%Denial rate-9.10 pts vs state
13.6%Decision denial rate-9.23 pts vs state
52.9%Origination rate-3.16 pts vs state
6.25%Median rate-0.38 pts vs state
-0.02Rate spread (pts)-0.37 pts vs state
$76kMedian applicant income
18Loans originated
3Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 17 | 14.3% | 6.38% | #282 |
| 2024 | 21 | 15 | 19.1% | 6.25% | #310 |
| 2025 | 34 | 18 | 8.8% | 6.25% | #289 |
What Magnolia Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 6 | 4 | 0 | 0.0% |
| Tulsa County | 5 | 2 | 0 | 0.0% |
| Canadian County | 4 | 2 | 1 | 25.0% |
| Cleveland County | 4 | 2 | 1 | 25.0% |
| Creek County | 3 | 1 | 0 | 0.0% |
| Caddo County | 3 | 2 | 0 | 0.0% |
| Comanche County | 2 | 0 | 1 | 50.0% |
| McClain County | 1 | 1 | 0 | 0.0% |
| Pittsburg County | 1 | 0 | 0 | 0.0% |
| Bryan County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 34 applications in 2025, of which 18 were originated and 3 denied.
8.8% of all applications, or 13.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Magnolia Bank originated in Oklahoma 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 Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology