Applications / Mortgage Analytics / Lenders / Georgia / Peoples Bank & Trust
Buford, GA · State non-member bank · FDIC · $548 million assets · 62 loans in 2025
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62
loans originated, 2025
62
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank & Trust, a Buford, Georgia bank reporting since at least 1990, has moved to bigger purchase loans: its typical loan has more than doubled in five years, to $330,000.
Its typical loan was $150,000 in 2020 and $330,000 in 2025, about double the $165,000 at similar lenders (state non-member banks making between half and twice as many loans). Jumbo loans (larger than the conforming limit) were 8.5% of its lending, against 1.7%. Purchases made up 71.0%.
Gainesville, GA is where its share registers most: it has lent there since 1996, ranks 51 of 336 and its share rose from 0.4% to 0.5%. Its loans rose 5% to 62, a little slower than similar lenders' 8% and the market's 10%.
35.9% of its borrowers had low or moderate incomes (LMI), more than at about three-quarters of peers. But only 6.6% of its loans went to LMI neighborhoods, down from 16.1% in 2024 and against 18.7% at peers. A purchase-heavy book in the counties it serves may account for this, and with 62 loans a few loans move the figure.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Peoples Bank & Trust took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.0% · Refinance 16.1% · Other 8.1% · Home improvement 4.8%
Conventional 100.0% · of 62 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 | 61 | 98.4% |
| Maine | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 26 |
| Gainesville | 21 |
| Chattanooga | 1 |
| Savannah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EJ3PWN9QTWAN34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 109136 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 325795 | 1990–2017 |
Established 13 December 1984. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Peoples Bank & Trust's data.
Peoples Bank & Trust's data
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Peoples 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.
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