Colony Bank mortgage approval rate & lending review
Colony Bank decided 1,571 mortgage applications and funded 1,494 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Colony Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Colony Bank at a glance
Approval is 10.0 points above the 85.8% 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 | 97% | 1,200 / 1,242 | 100% | $265K | 1,195 |
| Cash-out refinance | 88% | 53 / 60 | 100% | $255K | 53 |
| Refinance | 90% | 45 / 50 | 100% | $345K | 45 |
| Investment property purchase | 95% | 129 / 136 | 98% | $175K | 127 |
| Investment refinance | 98% | 61 / 62 | 93% | $95K | 57 |
Colony Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 96% | $265K | 1,331 | 1,264 |
| Florida | 98% | $325K | 111 | 109 |
| South Carolina | 92% | $275K | 77 | 71 |
| Alabama | 97% | $535K | 37 | 36 |
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 Colony Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Houston County, GA | Mortgage lenders | 98% | 316 | 308 |
| Columbia County, GA | Mortgage lenders | 99% | 211 | 207 |
| Chatham County, GA | Mortgage lenders | 95% | 122 | 114 |
| Bibb County, GA | Mortgage lenders | 92% | 85 | 78 |
| Lowndes County, GA | Mortgage lenders | 92% | 84 | 77 |
| Richmond County, GA | Mortgage lenders | 95% | 77 | 73 |
| Leon County, FL | Mortgage lenders | 98% | 58 | 57 |
| Aiken County, SC | Mortgage lenders | 97% | 58 | 56 |
| Clarke County, GA | Mortgage lenders | 98% | 47 | 46 |
| Coweta County, GA | Mortgage lenders | 100% | 31 | 31 |
| Chatham County, GA | Investment property purchase | 97% | 32 | 30 |
The county markets where Colony Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Colony Bank
What is Colony Bank's mortgage approval rate?
Colony Bank approved 95.8% of the 1,571 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Colony Bank offers?
Borrowers accepted 99% of the loans Colony Bank 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 Colony Bank make?
The typical home purchase mortgage loan Colony Bank made was $265K; across all loan types its typical loan ran from $95K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Colony Bank lend?
Colony Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Georgia, Florida and South Carolina.
Can I apply to Colony Bank directly?
Yes. Colony Bank is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Colony Bank'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 Colony Bank treats applications, then get a rate quote from the lender.