Lender in Georgia · HMDA 2025
Magnolia Bank, Incorporated mortgages in Georgia
Magnolia Bank, Incorporated's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Magnolia Bank, Incorporated originated 634 owner-occupied single-family loans in Georgia from 678 completed applications.
Its median conventional purchase loan costs were $5,830 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.625% (Georgia: 6.624%).
Loans in GA
634
of 678 applications
Denial rate
2.3%
Purchase · GA 9.9%
Rate spread
+0.12 pts
Conv. · GA +0.13 pts
Loan amount
$295,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 520 | 506 | 2.3% | 6.625% | +0.12 pts | $5,830 | $295,000 |
| Refinance | 26 | 23 | 11.5% | — | — | — | $255,000 |
| Cash-out refinance | 132 | 105 | 19.7% | 6.625% | +0.25 pts | $5,490 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Magnolia Bank, Incorporated ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Haralson County | 1 | 53 | 10.7% |
| Elbert County | 1 | 21 | 13.4% |
| Heard County | 2 | 12 | 7.8% |
| Madison County | 3 | 39 | 10.5% |
| Oglethorpe County | 3 | 14 | 6.7% |
| Carroll County | 4 | 82 | 4.2% |
| Troup County | 4 | 51 | 5.0% |
| Hart County | 4 | 15 | 4.8% |
| Franklin County | 4 | 11 | 4.1% |
| Banks County | 7 | 9 | 3.1% |
| Polk County | 9 | 14 | 2.5% |
| Meriwether County | 10 | 6 | 2.0% |
| Jasper County | 13 | 7 | 2.0% |
| Effingham County | 14 | 21 | 1.5% |
| Habersham County | 15 | 8 | 1.2% |
| Jenkins County | 17 | 1 | 2.6% |
| Harris County | 18 | 8 | 1.2% |
| Morgan County | 18 | 4 | 1.2% |
| Warren County | 18 | 1 | 3.2% |
| Cook County | 21 | 2 | 1.4% |
| Oconee County | 22 | 7 | 1.1% |
| Pike County | 23 | 3 | 0.9% |
| Jackson County | 24 | 20 | 0.9% |
| Putnam County | 24 | 3 | 1.0% |
| Rabun County | 24 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology