Magnolia Bank in Pennsylvania vs the state
14.0%Denial rate-4.31 pts vs state
17.8%Decision denial rate-4.40 pts vs state
63.4%Origination rate+2.48 pts vs state
6.38%Median rate-0.25 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$82kMedian applicant income
59Loans originated
13Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 50 | 13.5% | 6.56% | #413 |
| 2024 | 141 | 87 | 14.9% | 6.50% | #320 |
| 2025 | 93 | 59 | 14.0% | 6.38% | #384 |
What Magnolia Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berks County | 18 | 17 | 0 | 0.0% |
| Delaware County | 6 | 3 | 1 | 16.7% |
| Allegheny County | 6 | 2 | 2 | 33.3% |
| Franklin County | 5 | 1 | 3 | 60.0% |
| Erie County | 5 | 3 | 0 | 0.0% |
| Philadelphia County | 5 | 3 | 0 | 0.0% |
| Monroe County | 5 | 3 | 1 | 20.0% |
| Bucks County | 4 | 3 | 1 | 25.0% |
| Lancaster County | 4 | 3 | 0 | 0.0% |
| Adams County | 3 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 93 applications in 2025, of which 59 were originated and 13 denied.
14.0% of all applications, or 17.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Magnolia Bank originated in Pennsylvania in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Magnolia Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology