Applications / Mortgage Analytics / Lenders / Georgia / Affinity Bank
Covington, GA · National bank · OCC · $881 million assets · 25 loans in 2025
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25
loans originated, 2025
43
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Affinity Bank, a national bank in Covington, Georgia, is a small, intermittent mortgage filer: it reported 25 loans in 2025, and four of the six years before that are missing from the record.
It reported 103 loans in 2018 and 51 in 2019. It filed no report for 2020, 2021, 2022 or 2024; those are gaps in the record, not years without lending. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, which could account for them. It reported 24 loans in 2023 and 25 in 2025, fewer than the 33 typical of similar lenders, national banks making between half and twice as many loans.
Home-improvement loans were 40.0% of its 2025 lending, ahead of purchases at 32.0% and refinances at 16.0%. Its typical loan, $135,000, was smaller than the $190,000 typical of its peers, which may reflect that weighting toward improvement loans. Every loan was conventional. With only 25 loans, these shares are too few to read much into.
The bank began as Newton Federal Savings and Loan Association and became Newton Federal Bank in 2004. It merged with Affinity Bank in 2020 and took that name in 2021; the merged bank's filings count as its own in the competition figures. It became a national bank in 2023.
Atlanta is its largest market, where it ranked 375 of 892 lenders and has lent since 1990. United Wholesale Mortgage and Rocket Mortgage lead there. It lends in one state, across three metros and nine counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Affinity Bank took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.0% · Purchase 32.0% · Refinance 16.0% · Other 12.0%
Conventional 100.0% · of 25 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 | 25 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 18 |
| Marietta | 2 |
| Athens-Clarke County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002AEOG52GLE5B68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 321273 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43575 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703575 | 2011–2017 |
Established 1 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Affinity Bank's data.
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