COLONY BANK
COLONY BANK received 1,417 applications in 2025 and made 1,111 mortgages, in 146 counties across 8 states. The median rate its borrowers got was 6.500% on a median loan of $265,000. Of 1,172 decisions, 56 were denials — 4.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900AHLSHUJOTJG402 |
|---|---|
| Applications received | 1,417 |
| Mortgages made | 1,111 |
| Denied | 56 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 245 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.205 points |
| FDIC-insured bank | Yes: Colony Bank, 33 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 894 | 6.500% | $275,000 | 4.0% |
| Refinancing | 147 | 7.490% | $155,000 | 1.3% |
| Cash-out refinancing | 46 | 6.500% | $215,000 | 19.3% |
| Other purposes | 24 | 6.750% | $190,000 | 20.0% |
Where COLONY BANK lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Houston County, GA | 102 | 6.490% | 3.8% |
| Columbia County, GA | 83 | 6.375% | 1.2% |
| Leon County, FL | 77 | 6.500% | 0.0% |
| Troup County, GA | 69 | 6.625% | 2.8% |
| Chatham County, GA | 48 | 6.625% | 4.0% |
| Dougherty County, GA | 48 | 6.625% | 4.0% |
| Aiken County, SC | 35 | 6.375% | 2.8% |
| Bibb County, GA | 34 | 6.500% | 8.1% |
| Lowndes County, GA | 34 | 6.625% | 12.8% |
| Bulloch County, GA | 33 | 6.500% | 8.3% |
| Lee County, GA | 32 | 6.500% | 3.0% |
| Richmond County, GA | 28 | 6.433% | 9.7% |
| Laurens County, GA | 19 | 6.500% | 9.5% |
| Ben Hill County, GA | 18 | 7.990% | 10.0% |
| Clarke County, GA | 18 | 6.375% | 0.0% |
| Coweta County, GA | 16 | 6.995% | 11.1% |
| Crisp County, GA | 16 | 7.250% | 10.5% |
| Muscogee County, GA | 15 | 7.125% | 11.8% |
| Effingham County, GA | 14 | 6.438% | 0.0% |
| Colquitt County, GA | 12 | 6.990% | 7.7% |
| Thomas County, GA | 11 | 7.000% | 15.4% |
| Edgefield County, SC | 10 | 6.125% | 0.0% |
| Baldwin County, GA | 9 | Under 10 loans | 0.0% |
| Peach County, GA | 9 | Under 10 loans | 0.0% |
| Bay County, FL | 8 | Under 10 loans | 0.0% |
| Walton County, FL | 8 | Under 10 loans | 11.1% |
| Brooks County, GA | 8 | Under 10 loans | 0.0% |
| Fulton County, GA | 8 | Under 10 loans | 0.0% |
| Harris County, GA | 8 | Under 10 loans | 0.0% |
| Madison County, GA | 8 | Under 10 loans | 0.0% |
| Monroe County, GA | 8 | Under 10 loans | 0.0% |
| Coffee County, GA | 7 | Under 10 loans | 0.0% |
| Turner County, GA | 7 | Under 10 loans | 0.0% |
| Lee County, AL | 6 | Under 10 loans | 0.0% |
| Cook County, GA | 6 | Under 10 loans | 0.0% |
| Heard County, GA | 6 | Under 10 loans | 0.0% |
| Jones County, GA | 6 | Under 10 loans | 0.0% |
| Meriwether County, GA | 6 | Under 10 loans | 0.0% |
| Polk County, GA | 6 | Under 10 loans | 25.0% |
| Wilcox County, GA | 6 | Under 10 loans | 0.0% |
| Wakulla County, FL | 5 | Under 10 loans | 0.0% |
| Dodge County, GA | 5 | Under 10 loans | 0.0% |
| Lanier County, GA | 5 | Under 10 loans | 0.0% |
| McDuffie County, GA | 5 | Under 10 loans | 0.0% |
| Oconee County, GA | 5 | Under 10 loans | 0.0% |
| Oglethorpe County, GA | 5 | Under 10 loans | 0.0% |
| Putnam County, GA | 5 | Under 10 loans | 0.0% |
| Upson County, GA | 5 | Under 10 loans | 0.0% |
| Worth County, GA | 5 | Under 10 loans | 28.6% |
| Chambers County, AL | 4 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.