Newton Federal Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Newton Federal Bank 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Newton Federal Bank 3175 Highway 278 Covington, GA 30014 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 442 |
| Total Mortgage Loan Application Amount | $57,600,000 |
| Average Mortgage Loan Application Amount | $123,666 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $648,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Newton Federal Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Newton Federal Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Newton Federal Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Newton Federal Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Newton Federal Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Newton Federal Bank's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Newton County Georgia | 197 | $ 27,040,000 | $ 137,000 | $ 80,000 |
| Walton County Georgia | 22 | $ 4,739,000 | $ 215,000 | $ 82,000 |
| Rockdale County Georgia | 21 | $ 2,664,000 | $ 126,000 | $ 61,000 |
| Jasper County Georgia | 20 | $ 2,391,000 | $ 119,000 | $ 53,000 |
| Morgan County Georgia | 11 | $ 2,187,000 | $ 198,000 | $ 78,000 |
| Jackson County Georgia | 8 | $ 1,734,000 | $ 216,000 | $ 96,000 |
| Barrow County Georgia | 7 | $ 1,970,000 | $ 281,000 | $ 64,000 |
| Henry County Georgia | 6 | $ 1,671,000 | $ 278,000 | $ 121,000 |
| Gwinnett County Georgia | 5 | $ 1,439,000 | $ 287,000 | $ 137,000 |
| Butts County Georgia | 4 | $ 302,000 | $ 75,000 | $ 127,000 |
| Columbia County Florida | 3 | $ 160,000 | $ 53,000 | $ 51,000 |
| Duval County Florida | 3 | $ 250,000 | $ 83,000 | $ 47,000 |
| Putnam County Georgia | 3 | $ 1,003,000 | $ 334,000 | $ 131,000 |
| Talladega County Alabama | 2 | $ 129,000 | $ 64,000 | $ 63,000 |
| Garland County Arkansas | 2 | $ 135,000 | $ 67,000 | $ 43,000 |
| Greene County Arkansas | 2 | $ 79,000 | $ 39,000 | $ 31,000 |
| Broward County Florida | 2 | $ 192,000 | $ 96,000 | $ 127,000 |
| Fulton County Georgia | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Ascension County Louisiana | 2 | $ 96,000 | $ 48,000 | $ 113,000 |
| Dorchester County South Carolina | 2 | $ 149,000 | $ 74,000 | $ 57,000 |
| Horry County South Carolina | 2 | $ 102,000 | $ 51,000 | $ 68,000 |
| Blount County Tennessee | 2 | $ 123,000 | $ 61,000 | $ 38,000 |
| Bexar County Texas | 2 | $ 81,000 | $ 40,000 | $ 87,000 |
| Autauga County Alabama | 1 | $ 79,000 | $ 79,000 | $ 70,000 |
| Blount County Alabama | 1 | $ 122,000 | $ 122,000 | $ 87,000 |
| Calhoun County Alabama | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Coffee County Alabama | 1 | $ 46,000 | $ 46,000 | $ 40,000 |
| Elmore County Alabama | 1 | $ 33,000 | $ 33,000 | $ 42,000 |
| Morgan County Alabama | 1 | $ 74,000 | $ 74,000 | $ 83,000 |
| Pickens County Alabama | 1 | $ 159,000 | $ 159,000 | $ 94,000 |
| Tuscaloosa County Alabama | 1 | $ 94,000 | $ 94,000 | $ 61,000 |
| Columbia County Arkansas | 1 | $ 62,000 | $ 62,000 | $ 51,000 |
| Howard County Arkansas | 1 | $ 66,000 | $ 66,000 | $ 40,000 |
| Independence County Arkansas | 1 | $ 72,000 | $ 72,000 | $ 69,000 |
| Lonoke County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Perry County Arkansas | 1 | $ 12,000 | $ 12,000 | $ 90,000 |
| Polk County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Pulaski County Arkansas | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Randolph County Arkansas | 1 | $ 74,000 | $ 74,000 | $ 33,000 |
| Saline County Arkansas | 1 | $ 76,000 | $ 76,000 | $ 86,000 |
| St. Francis County Arkansas | 1 | $ 18,000 | $ 18,000 | $ 49,000 |
| Yell County Arkansas | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Alachua County Florida | 1 | $ 58,000 | $ 58,000 | $ 36,000 |
| Citrus County Florida | 1 | $ 46,000 | $ 46,000 | $ 70,000 |
| Escambia County Florida | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Hillsborough County Florida | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Lee County Florida | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Leon County Florida | 1 | $ 64,000 | $ 64,000 | $ 49,000 |
| Levy County Florida | 1 | $ 88,000 | $ 88,000 | $ 126,000 |
| Marion County Florida | 1 | $ 43,000 | $ 43,000 | $ 21,000 |
| Miami-Dade County Florida | 1 | $ 82,000 | $ 82,000 | $ 87,000 |
| Okaloosa County Florida | 1 | $ 74,000 | $ 74,000 | $ 35,000 |
| Orange County Florida | 1 | $ 46,000 | $ 46,000 | $ 84,000 |
| Palm Beach County Florida | 1 | $ 106,000 | $ 106,000 | $ 99,000 |
| Santa Rosa County Florida | 1 | $ 66,000 | $ 66,000 | $ 88,000 |
| Suwannee County Florida | 1 | $ 76,000 | $ 76,000 | $ 80,000 |
| Washington County Florida | 1 | $ 41,000 | $ 41,000 | $ 54,000 |
| Bacon County Georgia | 1 | $ 36,000 | $ 36,000 | $ 39,000 |
| Bulloch County Georgia | 1 | $ 99,000 | $ 99,000 | $ 94,000 |
| Charlton County Georgia | 1 | $ 58,000 | $ 58,000 | $ 85,000 |
| Clarke County Georgia | 1 | $ 132,000 | $ 132,000 | $ 102,000 |
| Clayton County Georgia | 1 | $ 21,000 | $ 21,000 | $ 28,000 |
| Colquitt County Georgia | 1 | $ 57,000 | $ 57,000 | $ 39,000 |
| Columbia County Georgia | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Cook County Georgia | 1 | $ 34,000 | $ 34,000 | $ 284,000 |
| Decatur County Georgia | 1 | $ 42,000 | $ 42,000 | $ 108,000 |
| DeKalb County Georgia | 1 | $ 400,000 | $ 400,000 | $ 77,000 |
| Greene County Georgia | 1 | $ 210,000 | $ 210,000 | $ 119,000 |
| Hancock County Georgia | 1 | $ 182,000 | $ 182,000 | $ 114,000 |
| Jenkins County Georgia | 1 | $ 53,000 | $ 53,000 | $ 76,000 |
| Long County Georgia | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Lowndes County Georgia | 1 | $ 43,000 | $ 43,000 | $ 52,000 |
| Madison County Georgia | 1 | $ 220,000 | $ 220,000 | $ 192,000 |
| Meriwether County Georgia | 1 | $ 179,000 | $ 179,000 | $ 254,000 |
| Monroe County Georgia | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Oconee County Georgia | 1 | $ 575,000 | $ 575,000 | $ 178,000 |
| Peach County Georgia | 1 | $ 99,000 | $ 99,000 | $ 33,000 |
| Tift County Georgia | 1 | $ 60,000 | $ 60,000 | $ 141,000 |
| Acadia County Louisiana | 1 | $ 37,000 | $ 37,000 | $ 107,000 |
| Caddo County Louisiana | 1 | $ 92,000 | $ 92,000 | $ 71,000 |
| Jefferson Davis County Louisiana | 1 | $ 68,000 | $ 68,000 | $ 71,000 |
| Lincoln County Louisiana | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| Livingston County Louisiana | 1 | $ 73,000 | $ 73,000 | $ 93,000 |
| Richland County Louisiana | 1 | $ 47,000 | $ 47,000 | $ 60,000 |
| Terrebonne County Louisiana | 1 | $ 49,000 | $ 49,000 | $ 35,000 |
| Vermilion County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Webster County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| West Baton Rouge County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| West Carroll County Louisiana | 1 | $ 49,000 | $ 49,000 | $ 40,000 |
| West Feliciana County Louisiana | 1 | $ 94,000 | $ 94,000 | $ 104,000 |
| Amite County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 94,000 |
| Forrest County Mississippi | 1 | $ 52,000 | $ 52,000 | $ 48,000 |
| Franklin County Mississippi | 1 | $ 76,000 | $ 76,000 | $ 72,000 |
| Hancock County Mississippi | 1 | $ 29,000 | $ 29,000 | $ 40,000 |
| Lincoln County Mississippi | 1 | $ 71,000 | $ 71,000 | $ 41,000 |
| Marion County Mississippi | 1 | $ 69,000 | $ 69,000 | $ 58,000 |
| Noxubee County Mississippi | 1 | $ 73,000 | $ 73,000 | $ 224,000 |
| Prentiss County Mississippi | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Scott County Mississippi | 1 | $ 56,000 | $ 56,000 | $ 135,000 |
| Washington County Mississippi | 1 | $ 74,000 | $ 74,000 | $ 38,000 |
| Kingfisher County Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Berkeley County South Carolina | 1 | $ 46,000 | $ 46,000 | $ 56,000 |
| Saluda County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 31,000 |
| Spartanburg County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 224,000 |
| Davidson County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 46,000 |
| Hamilton County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
| Ector County Texas | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Ellis County Texas | 1 | $ 29,000 | $ 29,000 | $ 117,000 |
| Fort Bend County Texas | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Hardin County Texas | 1 | $ 28,000 | $ 28,000 | $ 23,000 |
| Hunt County Texas | 1 | $ 39,000 | $ 39,000 | $ 98,000 |
| Jasper County Texas | 1 | $ 37,000 | $ 37,000 | $ 38,000 |
| Jim Hogg County Texas | 1 | $ 76,000 | $ 76,000 | $ 52,000 |
| Lamar County Texas | 1 | $ 41,000 | $ 41,000 | $ 88,000 |
| Parker County Texas | 1 | $ 52,000 | $ 52,000 | $ 36,000 |
| Sabine County Texas | 1 | $ 41,000 | $ 41,000 | $ 37,000 |
| Smith County Texas | 1 | $ 68,000 | $ 68,000 | $ 81,000 |
| Travis County Texas | 1 | $ 16,000 | $ 16,000 | $ 29,000 |
| Tyler County Texas | 1 | $ 36,000 | $ 36,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Newton Federal Bank in 2016
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 | 330 | $43,559,000 | $131,000 | $975,000 | $80,000 | $648,000 |
| Refinancing | 67 | $9,762,000 | $145,000 | $598,000 | $65,000 | $202,000 |
| Home Improvement | 45 | $4,279,000 | $95,000 | $385,000 | $70,000 | $297,000 |
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 | 341 | $43,781,000 | $128,000 | $617,000 | $80,000 | $648,000 |
| Black or African American | 46 | $5,933,000 | $128,000 | $600,000 | $85,000 | $297,000 |
| Not Provided | 24 | $3,820,000 | $159,000 | $385,000 | $60,000 | $202,000 |
| Hispanic | 15 | $1,035,000 | $69,000 | $199,000 | $60,000 | $105,000 |
| Not applicable | 11 | $2,462,000 | $223,000 | $975,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $518,000 | $129,000 | $400,000 | $74,000 | $186,000 |
| Asian | 1 | $51,000 | $51,000 | $51,000 | $120,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 441 | $57,321,000 | $129,000 | $975,000 | $77,000 | $648,000 |
| VA-guaranteed (Veterans Administration) | 1 | $279,000 | $279,000 | $279,000 | $44,000 | $44,000 |
| 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 |
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 | 232 | $33,673,000 | $145,000 | $975,000 | $80,000 | $364,000 |
| Application Approved But Not Accepted | 79 | $6,202,000 | $78,000 | $575,000 | $73,000 | $284,000 |
| Application Denied By Financial Institution | 75 | $8,819,000 | $117,000 | $400,000 | $63,000 | $222,000 |
| Application Withdrawn By Applicant | 34 | $5,401,000 | $158,000 | $520,000 | $91,000 | $648,000 |
| File Closed For Incompleteness | 22 | $3,505,000 | $159,000 | $600,000 | $75,000 | $265,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 44 | $4,527,000 | $102,000 | $400,000 | $58,000 | $222,000 |
| Debt-To-Income Ratio | 19 | $2,157,000 | $113,000 | $330,000 | $50,000 | $115,000 |
| Collateral | 8 | $1,891,000 | $236,000 | $400,000 | $106,000 | $186,000 |
| Other | 4 | $244,000 | $61,000 | $106,000 | $93,000 | $174,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Newton Federal Bank's 2016 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 Newton Federal Bank'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.