Applications / Mortgage Analytics / Lenders / Georgia / Magnolia State Bank
Eastman, GA · State non-member bank · FDIC · $198 million assets · 76 loans in 2025
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76
loans originated, 2025
79
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Magnolia State Bank is a small-loan lender in rural Georgia whose loans go far more often than similar lenders' to low- and moderate-income borrowers and to majority-minority areas.
Similar lenders are state non-member banks making between half and twice as many loans. Its typical loan was $90,000 against $172,500, among the lowest tenth of the group, though up from $45,000 five years ago. Manufactured homes were 31.6% of its loans, against 2.6% for similar lenders, and home improvement 15.8%; either could keep loan sizes down, as could lower house prices where it lends.
Of its loans, 44.9% went to low- and moderate-income (LMI) borrowers, against 27.3% for similar lenders, higher than more than nine in ten, and 43.4% were in majority-minority areas, against 6.6%. Both shares have risen since five years ago, when they were 31.8% and 19.5%. These patterns may largely reflect where it lends: the incomes and population of the Georgia counties it serves.
Originations rose 19% to 76, faster than about three in five similar lenders and the whole market's 10%. That remains well below the 196 loans of 2018.
Outside non-metro Georgia, where it ranks 207 of 683, it holds 0.1% shares in Macon-Bibb County, Athens-Clarke County and Warner Robins, and first lent in Cape Coral-Fort Myers in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Magnolia State Bank took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.4% · Refinance 36.8% · Home improvement 15.8%
Conventional 100.0% · of 76 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 75 | 98.7% |
| Florida | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Macon-Bibb County | 8 |
| Warner Robins | 7 |
| Athens-Clarke County | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Z8I9USTJ1JA072 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 204237 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3877 | 1998–2017 |
Established 2 January 1919. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Magnolia State Bank's data.
Magnolia State Bank's data
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Magnolia State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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