Lender in Mississippi · HMDA 2025
Magnolia Bank, Incorporated mortgages in Mississippi
Magnolia Bank, Incorporated's 2025 home-purchase and refinance lending in Mississippi, compared with all lenders in the state.
Magnolia Bank, Incorporated originated 389 owner-occupied single-family loans in Mississippi from 408 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $4,760 versus $4,460 for all Mississippi lenders, at a median 30-year fixed rate of 6.625% (Mississippi: 6.625%).
Loans in MS
389
of 408 applications
Denial rate
2.8%
Purchase · MS 11.3%
Rate spread
+0.35 pts
Conv. · MS +0.26 pts
Loan amount
$215,000
Purchase · MS $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 360 | 349 | 2.8% | 6.625% | +0.35 pts | $4,760 | $215,000 |
| Refinance | 18 | 17 | — | — | — | — | — |
| Cash-out refinance | 30 | 23 | 20.0% | — | — | — | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Mississippi counties where Magnolia Bank, Incorporated ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Webster County | 2 | 7 | 10.4% |
| Lowndes County | 3 | 41 | 6.9% |
| Chickasaw County | 3 | 6 | 7.1% |
| Clay County | 4 | 6 | 5.1% |
| Oktibbeha County | 5 | 16 | 4.2% |
| Prentiss County | 5 | 10 | 5.5% |
| Union County | 6 | 11 | 5.1% |
| Pontotoc County | 7 | 13 | 5.2% |
| Benton County | 7 | 3 | 4.2% |
| Perry County | 8 | 3 | 4.0% |
| Itawamba County | 10 | 5 | 2.5% |
| Noxubee County | 10 | 1 | 6.3% |
| Tippah County | 11 | 3 | 2.9% |
| George County | 12 | 8 | 2.3% |
| Lee County | 13 | 19 | 2.1% |
| Bolivar County | 13 | 3 | 1.8% |
| Scott County | 13 | 3 | 1.8% |
| Hancock County | 14 | 13 | 2.0% |
| Harrison County | 15 | 72 | 2.4% |
| Stone County | 15 | 5 | 2.7% |
| Monroe County | 15 | 4 | 1.4% |
| Lauderdale County | 16 | 9 | 1.6% |
| Jackson County | 18 | 41 | 2.1% |
| Tallahatchie County | 18 | 1 | 2.5% |
| Washington County | 20 | 2 | 0.9% |
| Jefferson Davis County | 20 | 1 | 2.1% |
| Sunflower County | 21 | 1 | 0.8% |
| Lamar County | 22 | 13 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology