Peoples Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Peoples Bank & Trust of Buford, GA reported 62 mortgage applications totaling $24.8 million, down 19% from 2024. The average application was for $399,838, and applicants reported an average income of $170,516. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (26), Gainesville, GA (21) and Chattanooga, TN-GA (1) (applications in parentheses).
| Mortgage Company & Address | Peoples Bank & Trust 1809 Red Cruce Court Buford, GA 30518 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 62 |
| Total Mortgage Loan Application Amount | $24,790,000 |
| Average Mortgage Loan Application Amount | $399,838 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $170,516 |
| Highest Applicant Income | $2,090,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hall, Georgia | 21 | $ 7,565,000 | $ 360,238 | $ 134,000 |
| Gwinnett, Georgia | 17 | $ 7,625,000 | $ 448,529 | $ 275,000 |
| Jackson, Georgia | 8 | $ 3,380,000 | $ 422,500 | $ 157,000 |
| Banks, Georgia | 3 | $ 1,035,000 | $ 345,000 | $ 200,000 |
| Forsyth, Georgia | 3 | $ 2,035,000 | $ 678,333 | $ 0 |
| Barrow, Georgia | 2 | $ 640,000 | $ 320,000 | $ 85,000 |
| Walton, Georgia | 2 | $ 390,000 | $ 195,000 | $ 81,000 |
| Dawson, Georgia | 1 | $ 355,000 | $ 355,000 | $ 68,000 |
| Effingham, Georgia | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Habersham, Georgia | 1 | $ 215,000 | $ 215,000 | $ 28,000 |
| Rockdale, Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Walker, Georgia | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Hancock, Maine | 1 | $ 235,000 | $ 235,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 44 | $21,110,000 | $479,000 | $2,005,000 | $197,000 | $2,090,000 |
| Refinancing | 10 | $2,090,000 | $209,000 | $855,000 | $71,000 | $204,000 |
| Other Purpose | 5 | $1,235,000 | $247,000 | $415,000 | $171,000 | $333,000 |
| Home Improvement | 3 | $355,000 | $118,000 | $205,000 | $113,000 | $148,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 51 | $19,875,000 | $389,000 | $2,005,000 | $176,000 | $2,090,000 |
| Not applicable | 8 | $4,070,000 | $508,000 | $855,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $415,000 | $415,000 | $415,000 | $192,000 | $192,000 |
| Black or African American | 1 | $225,000 | $225,000 | $225,000 | $46,000 | $46,000 |
| Hispanic | 1 | $205,000 | $205,000 | $205,000 | $148,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 62 | $24,790,000 | $399,000 | $2,005,000 | $173,000 | $2,090,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 62 | $24,790,000 | $399,000 | $2,005,000 | $173,000 | $2,090,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 62 | $24,790,000 | $399,000 | $2,005,000 | $173,000 | $2,090,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Peoples Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About