Applications / Mortgage Analytics / Lenders / Georgia / Peach State Bank & Trust
Gainesville, GA · State non-member bank · FDIC · $786 million assets · 59 loans in 2025
Peach State Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
86
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peach State Bank & Trust is a big-ticket purchase lender: its typical loan, $555,000, was larger than at almost all similar lenders.
Similar lenders (state non-member banks making between half and twice as many loans) had a typical loan of $167,500. Peach State Bank & Trust's was $555,000, and 23.6% of its loans were jumbo (larger than the conforming limit), against 1.7%. On 59 loans it lent $42.9 million, more than about nine in ten peers. Purchases made up 78.0% of its loans.
Its loan count held at 59 while similar lenders grew 8%. The loans themselves shrank: the typical loan fell from $705,000 and the jumbo share from 41.4%. In Gainesville, GA, its home town, its share fell from 1.8% to 1.0%, leaving it ranked 27 of 336. Shares are counted in dollars, so smaller loans may account for much of that.
Only 8.2% of its borrowers had low or moderate incomes (LMI), fewer than at about nine in ten peers, which fits a lender making large purchase loans. Its share of loans in majority-minority neighborhoods rose to 23.7% from 8.5%, more than at about three-quarters of peers. On 59 loans, a few loans move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Peach State Bank & Trust took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.0% · Refinance 18.6% · Other 3.4%
Conventional 100.0% · of 59 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 | 56 | 94.9% |
| North Carolina | 2 | 3.4% |
| Florida | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gainesville | 23 |
| Atlanta-Sandy Springs-Roswell | 22 |
| Athens-Clarke County | 4 |
| Marietta | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Miami-Miami Beach-Kendall | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HX04TQZO5URB98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3348468 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357923 | 2006–2017 |
Established 27 April 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Peach State Bank & Trust's data.
Peach State Bank & Trust's data
$215
Peach State Bank & Trust 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.
Buy Peach State Bank & Trust's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]