--- title: Multifamily Lenders in Lowndes County, GA: 19 Made Loans url: https://lender.report/lenders-in/georgia/lowndes-county/ license: https://lender.report/license/ --- County ยท GA # Multifamily lenders in Lowndes County, GA 19 lenders made 85 multifamily loans in Lowndes County, GA in 2024 and 2025, $141.4M in all. Guardian Bank made the most, with 24. The typical loan was about $460K. The county is part of the Valdosta, GA metro area. **Evidence** Multifamily loans placed in the county, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 19 HMDA, 2025 **Multifamily loans, 2024-25** 85 HMDA, 2025 Manufactured-home parks excluded **Dollars** $141M HMDA, 2025 **Typical loan** $460K HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Lowndes County, GA, https://lender.report/lenders-in/georgia/lowndes-county/, data as of December 31, 2025. ## Describe a deal in Lowndes County, GA See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Lowndes County, GA](https://lender.report/comps/?lane=multifamily&state=GA&county=13185)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [Guardian Bank](https://lender.report/lender/guardian-bank-ga/) [multifamily record](https://lender.report/lender/guardian-bank-ga/multifamily/) | Bank | Valdosta, GA | 24 | $44.6M | 12 | 12 | $500K | | [Farmers and Merchants Bank](https://lender.report/lender/farmers-and-merchants-bank-ga-lakeland/) [multifamily record](https://lender.report/lender/farmers-and-merchants-bank-ga-lakeland/multifamily/) | Bank | Lakeland, GA | 11 | $3.82M | 8 | 3 | $220K | | [Citizens Community Bank](https://lender.report/lender/citizens-community-bank-ga/) [multifamily record](https://lender.report/lender/citizens-community-bank-ga/multifamily/) | Bank | Hahira, GA | 10 | $3.31M | 4 | 6 | $280K | | [Commercial Banking Company](https://lender.report/lender/commercial-banking-ga/) [multifamily record](https://lender.report/lender/commercial-banking-ga/multifamily/) | Savings | Valdosta, GA | 9 | $4.00M | 6 | 3 | $420K | | [Colony Bank](https://lender.report/lender/colony-bank-ga/) [multifamily record](https://lender.report/lender/colony-bank-ga/multifamily/) | Bank | Fitzgerald, GA | 4 | $6.76M | 2 | 2 | $1.5M | | [Renasant Bank](https://lender.report/lender/renasant-bank-ms/) [multifamily record](https://lender.report/lender/renasant-bank-ms/multifamily/) | Bank | Tupelo, MS | 4 | $5.42M | 3 | 1 | $540K | | [Greystone Servicing Corporation, Inc.](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/) [multifamily record](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/multifamily/) | Non-bank | Memphis, TN | 3 | $15.1M | 2 | 1 | $6M | | [Thomasville National Bank](https://lender.report/lender/thomasville-national-bank-ga/) [multifamily record](https://lender.report/lender/thomasville-national-bank-ga/multifamily/) | Bank | Thomasville, GA | 2 | $1.86M | 2 | 0 | $1.5M | | [PGIM Real Estate Agency Financing, LLC](https://lender.report/lender/pgim-real-estate-agency-financing-tx/) [multifamily record](https://lender.report/lender/pgim-real-estate-agency-financing-tx/multifamily/) | Non-bank | Dallas, TX | 1 | $20.0M | 0 | 1 | $20M | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) [multifamily record](https://lender.report/lender/pinnacle-bank-tn/multifamily/) | Bank | Nashville, TN | 1 | $10.0M | 1 | 0 | $10M | | [Lument Real Estate Capital](https://lender.report/lender/lument-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/lument-real-estate-capital-oh/multifamily/) | Non-bank | Columbus, OH | 1 | $6.00M | 1 | 0 | $6M | | [First Commerce Credit Union](https://lender.report/lender/first-commerce-credit-union-fl/) | Credit union | Tallahassee, FL | 1 | $2.20M | 0 | 1 | $2.2M | | [PrimeSouth Bank](https://lender.report/lender/primesouth-bank-ga/) [multifamily record](https://lender.report/lender/primesouth-bank-ga/multifamily/) | Bank | Blackshear, GA | 1 | $1.90M | 0 | 1 | $1.9M | | [Conventus Lending LLC](https://lender.report/lender/conventus-lending-ca/) [multifamily record](https://lender.report/lender/conventus-lending-ca/multifamily/) | Non-bank | San Francisco, CA | 1 | $920K | 0 | 1 | $920K | | [Stanford Credit Union](https://lender.report/lender/stanford-credit-union-ca/) [multifamily record](https://lender.report/lender/stanford-credit-union-ca/multifamily/) | Credit union | Palo Alto, CA | 1 | $820K | 1 | 0 | $820K | | [Bank OZK](https://lender.report/lender/bank-ozk-ar/) [multifamily record](https://lender.report/lender/bank-ozk-ar/multifamily/) | Bank | Little Rock, AR | 1 | $300K | 1 | 0 | $300K | | [The Citizens National Bank of Quitman](https://lender.report/lender/citizens-national-bank-of-quitman-ga/) | Bank | Quitman, GA | 1 | $300K | 1 | 0 | $300K | | [First Federal Savings and Loan Association of Valdosta](https://lender.report/lender/first-federal-savings-and-loan-association-of-valdosta-ga/) | Savings | Valdosta, GA | 1 | $200K | 1 | 0 | $200K | | [Southeastern Credit Union](https://lender.report/lender/southeastern-credit-union-ga/) | Credit union | Valdosta, GA | 1 | $200K | 1 | 0 | $200K | HMDA, 2025 [Check a deal in Lowndes County, GA in Loan Comps](https://lender.report/comps/?lane=multifamily&state=GA&county=13185) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 59 | 13 | | $1M to $2.5M | 11 | 6 | | $2.5M to $5M | 7 | 4 | | $5M to $10M | 4 | 2 | | $10M or more | 4 | 3 | HMDA, 2025 - Lenders made 85 multifamily loans totaling $141.4M in Lowndes County, GA in 2024 and 2025. HMDA, 2025 - 7 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 49 of the loans were made in 2025 and 36 in 2024. HMDA, 2025 - The typical loan in Lowndes County, GA was about $460K, with the middle half between $260K and $1.7M. HMDA, 2025 - 59 of the loans were under $1M, and 8 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.00% on 27 loans in Lowndes County, GA, with the middle half between 6.61% and 7.75%. HMDA, 2025 - The median term was 5 years. HMDA, 2025 - The median loan to value was 62%. HMDA, 2025 - 61% of the loans were refinancings and 36% were purchases. HMDA, 2025 - Banks and savings institutions made 69 of the loans, credit unions 3, and non-banks 6. HMDA, 2025 - The five most active lenders made 68.2% of the loans. HMDA, 2025 - The three most active lenders were Guardian Bank with 24, Farmers and Merchants Bank with 11, and Citizens Community Bank with 10. HMDA, 2025 - 10 of the 19 lenders are based in Georgia. The rest are based elsewhere, most often in California, Tennessee and Arkansas. HMDA, 2025 - The most common property size was 5 to 24 units, with 57 loans. HMDA, 2025 - Lowndes County, GA is part of the Valdosta, GA metro area, which has its own page. OMB metro list, 2025 ## How this list is defined **Measure** Multifamily loans made in Lowndes County, GA **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.