# COLONY BANK

> **Canonical URL:** https://saferate.com/lenders/colony-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


COLONY BANK is a bank, headquartered in Fitzgerald, GA, serving borrowers across 8 states, with 650 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900AHLSHUJOTJG402
- **Headquarters:** Fitzgerald, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, FL, GA, MI, NC, SC, TN, VA
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.286%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,182
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 650
- **Dollar Volume:** $200 million
- **Applications Received:** 834
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $307,108
- **Average Borrower Income:** $131,557
- **Average Property Value:** $383,677

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 349 | +0.190% | $2,361 | Strong 😀 |
| FHA | 75/100 | 182 | +0.538% | $1,964 | Strong 😀 |
| VA | 73/100 | 101 | -0.134% | $1,587 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 303 loans, Score: 66/100 (Strong)
- Refinance: 46 loans, Score: 45/100 (Sound)

**FHA:**
- Purchase: 169 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 94 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 584 | $179M | +0.284% | Strong 😀 |
| Refinance | 62/100 | 66 | $21M | +0.303% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 610 | 0.44% | 84/100 |
| SC | 18 | 0.02% | 45/100 |
| FL | 10 | 0.00% | 33/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 142 | 59/100 |
| Warner Robins, GA | GA | 117 | 93/100 |
| Augusta | GA-SC | 109 | 82/100 |
| Albany, GA | GA | 61 | 89/100 |
| Atlanta | GA | 42 | 56/100 |
| Savannah, GA | GA | 42 | 70/100 |
| Macon | GA | 34 | 69/100 |
| Athens | GA | 26 | 64/100 |
| Valdosta, GA | GA | 24 | 61/100 |
| Columbus, GA | GA-AL | 12 | 47/100 |

## Where This Lender Ranks

COLONY BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Warner Robins, GA Banks
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/banks)
- 🥇 **#1** in Warner Robins, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Albany, GA
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders)
- 🥇 **#1** in Albany, GA Banks
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/banks)
- 🥇 **#1** in Albany, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Macon Banks
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/banks)
- 🥈 **#2** in Warner Robins, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Augusta Banks
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks)
- 🥈 **#2** in Albany, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Albany, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Valdosta, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Georgia Banks
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/banks)
- 🥉 **#3** in Albany, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Macon for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Valdosta, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Warner Robins, GA
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders)
- 🏆 **#4** in Warner Robins, GA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Augusta for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Augusta for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Augusta for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does COLONY BANK offer?

COLONY BANK offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COLONY BANK offer mortgages?

COLONY BANK offers mortgages in 8 states: AL, FL, GA, MI, NC, SC, TN, VA.

### How competitive are COLONY BANK's mortgage rates?

COLONY BANK has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.286% above market average.

### What type of lender is COLONY BANK?

COLONY BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fitzgerald, GA.

### What is COLONY BANK's loan approval success rate?

COLONY BANK has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/colony-bank

### How to Cite

> "COLONY BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/colony-bank

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