Bank of Zachary at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
44th11.1% deniedProcesswithdrawn + incomplete share, weight 15%
76th5.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 168 | 120 | 10.1% | 12.1% | — | $28M |
| 2024 | 157 | 116 | 7.6% | 9.2% | — | $32M |
| 2025 | 124 | 98 | 10.5% | 11.1% | — | $24M |
What Bank of Zachary lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 13 manufactured homes, 42 investment properties.
Who gets approved at Bank of Zachary
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 25 | 18 | 21.7% |
| $150k – $250k | 24 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 24 | 19 | 8.7% |
| 55–64 | 21 | 15 | 14.3% |
Where Bank of Zachary lends
2 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 121 | 95 | 10.7% | — | #164 |
Frequently asked questions
Bank of Zachary denied 11.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
In 2025, 46% of its applications were for home purchases, 38% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.