Magnolia Bank in Texas vs the state
5.2%Denial rate-14.25 pts vs state
6.1%Decision denial rate-18.80 pts vs state
79.3%Origination rate+24.39 pts vs state
6.50%Median rate0.00 pts vs state
0.28Rate spread (pts)+0.09 pts vs state
$112kMedian applicant income
153Loans originated
10Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 187 | 7.7% | 6.50% | #369 |
| 2024 | 267 | 215 | 1.5% | 6.63% | #337 |
| 2025 | 193 | 153 | 5.2% | 6.50% | #420 |
What Magnolia Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Magnolia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wise County | 39 | 34 | 3 | 7.7% |
| Navarro County | 16 | 15 | 0 | 0.0% |
| Denton County | 16 | 12 | 2 | 12.5% |
| Dallas County | 14 | 11 | 1 | 7.1% |
| Tarrant County | 10 | 7 | 1 | 10.0% |
| Parker County | 10 | 6 | 1 | 10.0% |
| Collin County | 8 | 7 | 0 | 0.0% |
| Harris County | 7 | 3 | 0 | 0.0% |
| Johnson County | 6 | 6 | 0 | 0.0% |
| Grayson County | 6 | 6 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 193 applications in 2025, of which 153 were originated and 10 denied.
5.2% of all applications, or 6.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Magnolia Bank originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Magnolia Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology