What loan types does Magnolia Bank offer?

Magnolia Bank offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Magnolia Bank offer mortgages?

Magnolia Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Magnolia Bank's mortgage rates?

Magnolia Bank has an overall pricing score of 36.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Magnolia Bank?

Magnolia Bank is a Bank headquartered in Magnolia, KY.

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Magnolia Bank

Bank•Magnolia, KYHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Magnolia Bank — 3.5k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · USDA

Place

Sound

3/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Magnolia Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+28.4 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Acceptable	Strong	1,504	43.6%	+0.294%Above	$2,598Fees
FHA Loans	Strong	Strong	Sound	Strong	613	17.8%	+0.559%Above	$2,565Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	1,096	31.8%	-0.317%Below	$4,083Fees
USDA Loans	Strong	Exceptional	Sound	Strong	233	6.8%	+0.336%Above	$1,865Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,504

Mix43.6%

Spread

+0.294%Above

Fees

$2,598Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume613

Mix17.8%

Spread

+0.559%Above

Fees

$2,565Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,096

Mix31.8%

Spread

-0.317%Below

Fees

$4,083Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume233

Mix6.8%

Spread

+0.336%Above

Fees

$1,865Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Acceptable	Strong	2,275	65.9%	+0.328%Above	$2,506Fees
Refinance	Sound	Strong	Acceptable	Strong	1,176	34.1%	+0.045%Above	$3,932Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume2,275

Mix65.9%

Spread

+0.328%Above

Fees

$2,506Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,176

Mix34.1%

Spread

+0.045%Above

Fees

$3,932Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,451

Applications

4,547

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.284%

vs. market APOR

Avg Net Fees

$2,725

Origination − Credits

Pullthrough Rate

75.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$298,153

Avg Borrower Income

$107,313

Avg Property Value

$368,506

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMEMANHNJNYPARI

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South16

ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Ken Lund · CC BY-SA 2.0

Louisville/Jefferson County, KY, KY-INMetro

Volume 487Mix 14.11% of portfolio

91/100

Exceptional

2© Infrogmation · CC BY-SA 4.0

Gulfport, MSMetro

Volume 105Mix 3.04% of portfolio

78/100

Strong

3© Richardelainechambers at English Wikipedia · Public domain

Athens, GAMetro

Volume 49Mix 1.42% of portfolio

75/100

Strong

4© themidnite (original), Yassie (derivative work · CC BY-SA 3.0

Florence, SCMetro

Volume 41Mix 1.19% of portfolio

72/100

Strong

Atlanta, GAMetro

Volume 204Mix 5.91% of portfolio

71/100

Strong

Bowling Green, KYMetro

Volume 51Mix 1.48% of portfolio

69/100

Strong

Marietta, GAMetro

Volume 73Mix 2.12% of portfolio

65/100

Strong

Jackson, MSMetro

Volume 57Mix 1.65% of portfolio

63/100

Strong

Paducah, KY, KY-ILMetro

Volume 20Mix 0.58% of portfolio

61/100

Strong

Asheville, NCMetro

Volume 32Mix 0.93% of portfolio

59/100

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

KentuckyState

Volume 671Mix 19.44% of portfolio

87/100

Exceptional

GeorgiaState

Volume 536Mix 15.53% of portfolio

77/100

Strong

MississippiState

Volume 290Mix 8.40% of portfolio

77/100

Strong

AlabamaState

Volume 145Mix 4.20% of portfolio

68/100

Strong

IndianaState

Volume 221Mix 6.40% of portfolio

67/100

Strong

South CarolinaState

Volume 135Mix 3.91% of portfolio

66/100

Strong

TennesseeState

Volume 128Mix 3.71% of portfolio

63/100

Strong

ConnecticutState

Volume 76Mix 2.20% of portfolio

60/100

Sound

DelawareState

Volume 55Mix 1.59% of portfolio

60/100

Sound

TexasState

Volume 168Mix 4.87% of portfolio

59/100

Sound

Showing 10 of 37 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.