PeoplesSouth Bank
PeoplesSouth Bank received 340 applications in 2025 and made 308 mortgages, in 46 counties across 3 states. The median rate its borrowers got was 7.250% on a median loan of $115,000. Of 326 decisions, 18 were denials — 5.5%, most often for credit history.
| Legal Entity Identifier | 549300RZCM5T73BZEI76 |
|---|---|
| Applications received | 340 |
| Mortgages made | 308 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: PeoplesSouth Bank, 34 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 104 | 7.500% | $115,000 | 3.7% |
| Refinancing | 44 | 7.515% | $165,000 | 4.4% |
| Cash-out refinancing | 41 | 7.500% | $85,000 | 8.9% |
| Other purposes | 119 | 7.250% | $105,000 | 6.3% |
Where PeoplesSouth Bank lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Houston County, AL | 53 | 7.260% | 3.6% |
| Bay County, FL | 27 | 7.500% | 0.0% |
| Jackson County, FL | 27 | 7.250% | 0.0% |
| Dale County, AL | 26 | 7.500% | 7.1% |
| Henry County, AL | 25 | 7.500% | 10.7% |
| Franklin County, FL | 14 | 7.250% | 0.0% |
| Barbour County, AL | 13 | 7.600% | 18.8% |
| Leon County, FL | 13 | 7.250% | 0.0% |
| Dougherty County, GA | 13 | 7.500% | 0.0% |
| Calhoun County, FL | 12 | 7.250% | 0.0% |
| Sumter County, GA | 9 | Under 10 loans | 0.0% |
| Lee County, AL | 8 | Under 10 loans | 0.0% |
| Decatur County, GA | 8 | Under 10 loans | 11.1% |
| Lee County, GA | 7 | Under 10 loans | 0.0% |
| Gulf County, FL | 6 | Under 10 loans | 0.0% |
| Gadsden County, FL | 5 | Under 10 loans | 0.0% |
| Early County, GA | 5 | Under 10 loans | 16.7% |
| Miller County, GA | 4 | Under 10 loans | 0.0% |
| Holmes County, FL | 3 | Under 10 loans | 0.0% |
| Washington County, FL | 3 | Under 10 loans | 0.0% |
| Pike County, AL | 2 | Under 10 loans | 0.0% |
| Liberty County, FL | 2 | Under 10 loans | 0.0% |
| Walton County, FL | 2 | Under 10 loans | 0.0% |
| Mitchell County, GA | 2 | Under 10 loans | 0.0% |
| Seminole County, GA | 2 | Under 10 loans | 60.0% |
| Coffee County, AL | 1 | Under 10 loans | 0.0% |
| Geneva County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Jefferson County, FL | 1 | Under 10 loans | 0.0% |
| Bibb County, GA | 1 | Under 10 loans | 0.0% |
| Clay County, GA | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Crisp County, GA | 1 | Under 10 loans | 0.0% |
| Harris County, GA | 1 | Under 10 loans | 0.0% |
| Houston County, GA | 1 | Under 10 loans | 0.0% |
| Jones County, GA | 1 | Under 10 loans | 0.0% |
| Macon County, GA | 1 | Under 10 loans | 0.0% |
| Putnam County, GA | 1 | Under 10 loans | 0.0% |
| Randolph County, GA | 1 | Under 10 loans | 0.0% |
| Terrell County, GA | 1 | Under 10 loans | 50.0% |
| Bullock County, AL | 0 | Under 10 loans | Not published |
| Peach County, GA | 0 | Under 10 loans | Not published |
| Quitman County, GA | 0 | Under 10 loans | 100.0% |
| Worth County, GA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When PeoplesSouth Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.