Colony Bank in Georgia vs the state
4.5%Denial rate-14.74 pts vs state
5.4%Decision denial rate-19.63 pts vs state
77.6%Origination rate+23.49 pts vs state
6.50%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$101kMedian applicant income
917Loans originated
53Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,276 | 995 | 3.7% | 6.63% | #67 |
| 2024 | 1,012 | 768 | 4.9% | 6.63% | #86 |
| 2025 | 1,182 | 917 | 4.5% | 6.50% | #80 |
What Colony Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Colony Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 118 | 102 | 4 | 3.4% |
| Columbia County | 96 | 83 | 1 | 1.0% |
| Troup County | 88 | 69 | 2 | 2.3% |
| Dougherty County | 65 | 48 | 2 | 3.1% |
| Chatham County | 61 | 48 | 2 | 3.3% |
| Bibb County | 52 | 34 | 3 | 5.8% |
| Lee County | 44 | 32 | 1 | 2.3% |
| Lowndes County | 44 | 34 | 5 | 11.4% |
| Bulloch County | 40 | 33 | 3 | 7.5% |
| Richmond County | 34 | 28 | 3 | 8.8% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,182 applications in 2025, of which 917 were originated and 53 denied.
4.5% of all applications, or 5.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Colony Bank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Colony Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology