Applications / Mortgage Analytics / Lenders / Georgia / PeoplesSouth Bank
Colquitt, GA · State non-member bank · FDIC · $1.2 billion assets · 309 loans in 2025
PeoplesSouth Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
309
loans originated, 2025
341
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PeoplesSouth Bank makes more of its loans for other purposes than for buying a home, and more of them in poorer and minority areas than most similar lenders do.
Loans for other purposes were 35.3% of its lending, more than purchases at 33.7% or refinances at 27.8%. Manufactured homes made up 9.4% of its loans, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans). Both may help explain its typical loan of $115,000, smaller than at more than four in five of them, whose typical loan is $175,000.
Majority-minority areas took 23.4% of its loans, against 6.3% at similar lenders, a higher share than at more than four in five of them. Low- and moderate-income (LMI) areas took 23.8%, against 16.6%, higher than at about three-quarters.
It made 309 loans, down 16% from 369, while similar lenders grew 9%. In Dothan, its largest market and one it has served since at least 1990, its share fell to 2.0% from 2.6%. It still ranks 12 of 222; Mortgage Research Center leads. Fewer applications or a narrower product focus could explain the smaller count; the data do not say which.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PeoplesSouth Bank took 341 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.3% · Purchase 33.7% · Refinance 27.8% · Home improvement 2.9% · Not applicable 0.3%
Conventional 100.0% · of 309 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 131 | 42.4% |
| Florida | 116 | 37.5% |
| Georgia | 61 | 19.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 79 |
| Panama City-Panama City Beach | 30 |
| Albany | 21 |
| Tallahassee | 19 |
| Auburn-Opelika | 8 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Macon-Bibb County | 2 |
| Columbus | 1 |
| Jacksonville | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RZCM5T73BZEI76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 518037 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321292 | 1998–2017 |
Established 19 October 1973. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: PeoplesSouth Bank's data.
PeoplesSouth Bank's data
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