Applications / Mortgage Analytics / Lenders / Georgia / Pineland Bank
Alma, GA · State non-member bank · FDIC · $570 million assets · 131 loans in 2025
Pineland Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
131
loans originated, 2025
159
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pineland Bank, a Georgia bank, makes far more manufactured-home loans than similar lenders, and its lending has barely changed for years.
Manufactured homes took 22.9% of its loans, against 3.0% at similar lenders (state non-member banks making between half and twice as many loans), more than at nine in ten of them. Its typical loan was $115,000, against $175,000, which fits that mix. All its loans were conventional.
It made 131 loans, up 5% from 125, while similar lenders grew 9%. Its yearly count has stayed between 109 and 147 since 2018. Home purchases made up 54.2% of its loans and refinances 37.4%.
Low- and moderate-income (LMI) neighborhoods took 29.2% of its loans, against 17.6% at similar lenders, more than at about three in four. LMI borrowers took 22.6%, against 27.9%. One possible reason for the gap between the two figures is its spread across 20 counties, with non-metro Georgia its biggest market; such areas may include many LMI neighborhoods.
Its biggest market is non-metro Georgia. In Jacksonville it ranked 152 of 715 lenders with 0.1% of the market, unchanged; United Wholesale Mortgage led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pineland Bank took 159 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.2% · Refinance 37.4% · Home improvement 7.6% · Other 0.8%
Conventional 100.0% · of 131 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 |
|---|---|---|
| Georgia | 102 | 77.9% |
| Florida | 29 | 22.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 29 |
| Valdosta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008AGLU4AEH9GZ71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 6039 | 2017–2022 |
| Respondent ID (the HMDA filer code before 2018) | 315699 | 2017–2017 |
Established 1 October 1939. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Pineland Bank's data.
Pineland Bank's data
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Pineland Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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