Magnolia Bank, Incorporated
4,097 mortgages originated in 2025 across 19 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,097
- Median rate
- 6.375%
- Median lender fees
- $8,144
- Median loan amount
- $265,000
- Median spread over APOR
- 0.219
- Paid discount points
- 59.7%
- Received lender credits
- 45.1%
- Purchases / refinances
- 64.5% / 33.2%
- Conventional / FHA / VA
- 36.5% / 25% / 30.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 97.1% of loans here — see methodology.
Where Magnolia Bank, Incorporated lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Kentucky | 757 | $5,460 | 6.500% |
| Georgia | 741 | $8,616 | 6.250% |
| Mississippi | 426 | $6,770 | 6.375% |
| Alabama | 214 | $7,760 | 6.313% |
| South Carolina | 204 | $7,905 | 6.500% |
| Indiana | 198 | $6,761 | 6.490% |
| Texas | 153 | $9,502 | 6.500% |
| Florida | 142 | $11,156 | 6.250% |
| Tennessee | 90 | $9,540 | 6.250% |
| California | 83 | $17,807 | 6.250% |
| New York | 79 | $9,167 | 6.625% |
| Virginia | 78 | $16,235 | 6.125% |
| Ohio | 68 | $12,344 | 6.500% |
| Missouri | 62 | $6,727 | 6.500% |
| North Carolina | 62 | $8,009 | 6.625% |
| Pennsylvania | 59 | $11,412 | 6.375% |
| Arkansas | 59 | $6,943 | 6.375% |
| Illinois | 53 | $11,389 | 6.250% |
| Michigan | 51 | $10,134 | 6.375% |