Magnolia Bank in Oregon vs the state
12.5%Denial rate-2.81 pts vs state
14.8%Decision denial rate-4.35 pts vs state
68.8%Origination rate+8.13 pts vs state
5.99%Median rate-0.76 pts vs state
-0.24Rate spread (pts)-0.52 pts vs state
$89kMedian applicant income
22Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 19 | 3.2% | 5.99% | #242 |
| 2024 | 41 | 31 | 9.8% | 5.75% | #224 |
| 2025 | 32 | 22 | 12.5% | 5.99% | #263 |
What Magnolia Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 4 | 1 | 0 | 0.0% |
| Clackamas County | 3 | 2 | 0 | 0.0% |
| Multnomah County | 3 | 2 | 1 | 33.3% |
| Josephine County | 2 | 1 | 1 | 50.0% |
| Klamath County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| Columbia County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Union County | 2 | 2 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 32 applications in 2025, of which 22 were originated and 4 denied.
12.5% of all applications, or 14.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Magnolia Bank originated in Oregon in 2025 was 5.99%, against a statewide median of 6.75%.
About this data. Figures are Magnolia Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology