Bank of Zachary mortgage approval rate & lending review
Bank of Zachary decided 260 mortgage applications and funded 225 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Zachary reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Zachary at a glance
Approval is 8.2 points above the 81.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 80 / 85 | 96% | $345K | 77 |
| Refinance | 84% | 51 / 61 | 98% | $105K | 50 |
| Investment property purchase | 92% | 47 / 51 | 98% | $105K | 46 |
| Investment refinance | 91% | 41 / 45 | 98% | $105K | 40 |
Bank of Zachary lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 89% | $105K | 256 | 221 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Zachary lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| East Baton Rouge Parish, LA | Mortgage lenders | 94% | 48 | 43 |
| East Baton Rouge Parish, LA | Refinance | 90% | 48 | 42 |
| East Baton Rouge Parish, LA | Investment refinance | 92% | 36 | 32 |
| East Baton Rouge Parish, LA | Investment property purchase | 91% | 34 | 30 |
| Livingston Parish, LA | Mortgage lenders | 94% | 31 | 28 |
The county markets where Bank of Zachary made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Zachary
What is Bank of Zachary's mortgage approval rate?
Bank of Zachary approved 89.6% of the 260 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 81.5% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Zachary offers?
Borrowers accepted 97% of the loans Bank of Zachary approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Zachary make?
The typical home purchase mortgage loan Bank of Zachary made was $345K; across all loan types its typical loan ran from $105K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Zachary lend?
Bank of Zachary decided applications in 5 of the states Fat Boy Data covers, most of them in Louisiana, Florida and Mississippi.
Can I apply to Bank of Zachary directly?
Yes. Bank of Zachary is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Zachary's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Zachary treats applications, then get a rate quote from the lender.