Macon Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
32nd8.3% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 117 | 107 | 6.8% | 6.8% | — | $16M |
| 2024 | 120 | 117 | 0.8% | 0.8% | — | $22M |
| 2025 | 144 | 132 | 8.3% | 8.3% | — | $38M |
What Macon Bank and Trust 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, 28 manufactured homes, 79 investment properties.
Who gets approved at Macon Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 23 | 20.7% |
| $50k – $100k | 28 | 25 | 10.7% |
| Over $250k | 49 | 48 | 2.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 19 | 9.5% |
| 45–54 | 24 | 20 | 16.7% |
| 55–64 | 59 | 59 | 0.0% |
Where Macon Bank and Trust lends
2 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Macon Bank and Trust denied 8.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of investment-property lenders.
In 2025, 63% of its applications were for home purchases, 27% for refinancing (including cash-out), and 10% 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.