Affinity
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Affinity 2005 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 | Affinity 73 Mountainview Blvd. Basking Ridge, NJ 08720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,553 |
| Total Mortgage Loan Application Amount | $544,705,000 |
| Average Mortgage Loan Application Amount | $131,103 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $91,850 |
| Highest Applicant Income | $1,976,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Affinity. 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 Affinity's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Affinity'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 Affinity serves its applicants.
Each category highlights the total number of mortgage applications processed by Affinity, 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 Affinity's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Somerset County New Jersey | 838 | $ 98,510,000 | $ 117,000 | $ 93,000 |
| Middlesex County New Jersey | 602 | $ 69,081,000 | $ 114,000 | $ 101,000 |
| Morris County New Jersey | 582 | $ 77,824,000 | $ 133,000 | $ 112,000 |
| Hunterdon County New Jersey | 295 | $ 35,387,000 | $ 119,000 | $ 127,000 |
| Union County New Jersey | 259 | $ 35,416,000 | $ 136,000 | $ 84,000 |
| Monmouth County New Jersey | 192 | $ 26,126,000 | $ 136,000 | $ 94,000 |
| Essex County New Jersey | 178 | $ 20,080,000 | $ 112,000 | $ 93,000 |
| Warren County New Jersey | 161 | $ 15,604,000 | $ 96,000 | $ 87,000 |
| Ocean County New Jersey | 128 | $ 13,065,000 | $ 102,000 | $ 91,000 |
| Sussex County New Jersey | 123 | $ 10,536,000 | $ 85,000 | $ 79,000 |
| Northampton County Pennsylvania | 101 | $ 10,402,000 | $ 102,000 | $ 88,000 |
| Mercer County New Jersey | 80 | $ 9,125,000 | $ 114,000 | $ 107,000 |
| Burlington County New Jersey | 69 | $ 8,260,000 | $ 119,000 | $ 87,000 |
| Bergen County New Jersey | 67 | $ 11,072,000 | $ 165,000 | $ 121,000 |
| Hudson County New Jersey | 57 | $ 8,825,000 | $ 154,000 | $ 110,000 |
| Passaic County New Jersey | 56 | $ 7,155,000 | $ 127,000 | $ 97,000 |
| Monroe County Pennsylvania | 43 | $ 3,531,000 | $ 82,000 | $ 75,000 |
| Bucks County Pennsylvania | 38 | $ 5,173,000 | $ 136,000 | $ 105,000 |
| Broward County Florida | 36 | $ 3,043,000 | $ 84,000 | $ 94,000 |
| Richmond County New York | 27 | $ 3,005,000 | $ 111,000 | $ 79,000 |
| Loudoun County Virginia | 17 | $ 2,057,000 | $ 121,000 | $ 95,000 |
| Fairfax County Virginia | 15 | $ 2,452,000 | $ 163,000 | $ 128,000 |
| Camden County New Jersey | 14 | $ 1,450,000 | $ 103,000 | $ 68,000 |
| Nassau County New York | 14 | $ 1,625,000 | $ 116,000 | $ 91,000 |
| Suffolk County New York | 14 | $ 1,844,000 | $ 131,000 | $ 127,000 |
| Orange County New York | 13 | $ 1,586,000 | $ 122,000 | $ 67,000 |
| Rockland County New York | 12 | $ 1,493,000 | $ 124,000 | $ 94,000 |
| Montgomery County Pennsylvania | 12 | $ 2,317,000 | $ 193,000 | $ 80,000 |
| New Castle County Delaware | 11 | $ 787,000 | $ 71,000 | $ 68,000 |
| Palm Beach County Florida | 11 | $ 1,160,000 | $ 105,000 | $ 84,000 |
| Lehigh County Pennsylvania | 11 | $ 1,100,000 | $ 100,000 | $ 82,000 |
| Maricopa County Arizona | 10 | $ 2,149,000 | $ 214,000 | $ 98,000 |
| Hillsborough County Florida | 10 | $ 887,000 | $ 88,000 | $ 84,000 |
| Pike County Pennsylvania | 10 | $ 1,005,000 | $ 100,000 | $ 105,000 |
| Pinellas County Florida | 9 | $ 368,000 | $ 40,000 | $ 52,000 |
| Fairfield County Connecticut | 8 | $ 1,694,000 | $ 211,000 | $ 110,000 |
| Cobb County Georgia | 8 | $ 1,111,000 | $ 138,000 | $ 88,000 |
| Fulton County Georgia | 8 | $ 374,000 | $ 46,000 | $ 114,000 |
| Howard County Maryland | 8 | $ 1,273,000 | $ 159,000 | $ 126,000 |
| Alameda County California | 7 | $ 1,644,000 | $ 234,000 | $ 43,000 |
| Salem County New Jersey | 7 | $ 457,000 | $ 65,000 | $ 67,000 |
| Queens County New York | 7 | $ 742,000 | $ 106,000 | $ 111,000 |
| Wake County North Carolina | 7 | $ 597,000 | $ 85,000 | $ 392,000 |
| Sarasota County Florida | 6 | $ 1,166,000 | $ 194,000 | $ 88,000 |
| Seminole County Florida | 6 | $ 609,000 | $ 101,000 | $ 85,000 |
| Atlantic County New Jersey | 6 | $ 441,000 | $ 73,000 | $ 71,000 |
| Kings County New York | 6 | $ 460,000 | $ 76,000 | $ 71,000 |
| Westchester County New York | 6 | $ 1,605,000 | $ 267,000 | $ 197,000 |
| Carbon County Pennsylvania | 6 | $ 494,000 | $ 82,000 | $ 55,000 |
| Miami-Dade County Florida | 5 | $ 650,000 | $ 130,000 | $ 91,000 |
| Pasco County Florida | 5 | $ 247,000 | $ 49,000 | $ 92,000 |
| DeKalb County Georgia | 5 | $ 376,000 | $ 75,000 | $ 51,000 |
| Cook County Illinois | 5 | $ 681,000 | $ 136,000 | $ 102,000 |
| St. Charles County Missouri | 5 | $ 200,000 | $ 40,000 | $ 83,000 |
| Berks County Pennsylvania | 5 | $ 556,000 | $ 111,000 | $ 86,000 |
| Delaware County Pennsylvania | 5 | $ 660,000 | $ 132,000 | $ 95,000 |
| Henrico County Virginia | 5 | $ 773,000 | $ 154,000 | $ 120,000 |
| King County Washington | 5 | $ 475,000 | $ 95,000 | $ 106,000 |
| San Diego County California | 4 | $ 1,019,000 | $ 254,000 | $ 121,000 |
| Denver County Colorado | 4 | $ 553,000 | $ 138,000 | $ 99,000 |
| Orange County Florida | 4 | $ 626,000 | $ 156,000 | $ 163,000 |
| Will County Illinois | 4 | $ 1,172,000 | $ 293,000 | $ 134,000 |
| Montgomery County Maryland | 4 | $ 735,000 | $ 183,000 | $ 113,000 |
| Suffolk County Massachusetts | 4 | $ 546,000 | $ 136,000 | $ 37,000 |
| St. Louis County Missouri | 4 | $ 294,000 | $ 73,000 | $ 73,000 |
| Gloucester County New Jersey | 4 | $ 350,000 | $ 87,000 | $ 107,000 |
| Cuyahoga County Ohio | 4 | $ 569,000 | $ 142,000 | $ 67,000 |
| Chester County Pennsylvania | 4 | $ 704,000 | $ 176,000 | $ 124,000 |
| Wayne County Pennsylvania | 4 | $ 406,000 | $ 101,000 | $ 54,000 |
| Horry County South Carolina | 4 | $ 245,000 | $ 61,000 | $ 124,000 |
| Sacramento County California | 3 | $ 461,000 | $ 153,000 | $ 91,000 |
| Boulder County Colorado | 3 | $ 130,000 | $ 43,000 | $ 113,000 |
| Kent County Delaware | 3 | $ 225,000 | $ 75,000 | $ 26,000 |
| Lake County Florida | 3 | $ 153,000 | $ 51,000 | $ 96,000 |
| Lee County Florida | 3 | $ 128,000 | $ 42,000 | $ 51,000 |
| Manatee County Florida | 3 | $ 550,000 | $ 183,000 | $ 86,000 |
| Polk County Florida | 3 | $ 297,000 | $ 99,000 | $ 80,000 |
| Forsyth County Georgia | 3 | $ 655,000 | $ 218,000 | $ 203,000 |
| Gwinnett County Georgia | 3 | $ 272,000 | $ 90,000 | $ 166,000 |
| Henry County Georgia | 3 | $ 222,000 | $ 74,000 | $ 42,000 |
| DuPage County Illinois | 3 | $ 342,000 | $ 114,000 | $ 60,000 |
| Knox County Maine | 3 | $ 890,000 | $ 296,000 | $ 130,000 |
| Baltimore County Maryland | 3 | $ 535,000 | $ 178,000 | $ 292,000 |
| Washtenaw County Michigan | 3 | $ 310,000 | $ 103,000 | $ 61,000 |
| Cumberland County New Jersey | 3 | $ 235,000 | $ 78,000 | $ 66,000 |
| Bronx County New York | 3 | $ 90,000 | $ 30,000 | $ 36,000 |
| Brunswick County North Carolina | 3 | $ 144,000 | $ 48,000 | $ 44,000 |
| Guilford County North Carolina | 3 | $ 147,000 | $ 49,000 | $ 63,000 |
| Mecklenburg County North Carolina | 3 | $ 266,000 | $ 88,000 | $ 84,000 |
| Bradford County Pennsylvania | 3 | $ 126,000 | $ 42,000 | $ 143,000 |
| Philadelphia County Pennsylvania | 3 | $ 136,000 | $ 45,000 | $ 79,000 |
| Pima County Arizona | 2 | $ 260,000 | $ 130,000 | $ 49,000 |
| Riverside County California | 2 | $ 370,000 | $ 185,000 | $ 83,000 |
| Santa Clara County California | 2 | $ 250,000 | $ 125,000 | $ 137,000 |
| Douglas County Colorado | 2 | $ 128,000 | $ 64,000 | $ 69,000 |
| Larimer County Colorado | 2 | $ 180,000 | $ 90,000 | $ 90,000 |
| Windham County Connecticut | 2 | $ 68,000 | $ 34,000 | $ 164,000 |
| Brevard County Florida | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Flagler County Florida | 2 | $ 150,000 | $ 75,000 | $ 144,000 |
| Osceola County Florida | 2 | $ 205,000 | $ 102,000 | $ 36,000 |
| St. Lucie County Florida | 2 | $ 94,000 | $ 47,000 | $ 86,000 |
| Volusia County Florida | 2 | $ 191,000 | $ 95,000 | $ 62,000 |
| Cherokee County Georgia | 2 | $ 96,000 | $ 48,000 | $ 359,000 |
| Coweta County Georgia | 2 | $ 91,000 | $ 45,000 | $ 79,000 |
| Fayette County Georgia | 2 | $ 241,000 | $ 120,000 | $ 76,000 |
| Walton County Georgia | 2 | $ 258,000 | $ 129,000 | $ 74,000 |
| Lake County Illinois | 2 | $ 210,000 | $ 105,000 | $ 104,000 |
| Cumberland County Maine | 2 | $ 207,000 | $ 103,000 | $ 62,000 |
| Sagadahoc County Maine | 2 | $ 423,000 | $ 211,000 | $ 121,000 |
| Cecil County Maryland | 2 | $ 113,000 | $ 56,000 | $ 60,000 |
| Worcester County Maryland | 2 | $ 60,000 | $ 30,000 | $ 35,000 |
| Barnstable County Massachusetts | 2 | $ 275,000 | $ 137,000 | $ 92,000 |
| Middlesex County Massachusetts | 2 | $ 209,000 | $ 104,000 | $ 114,000 |
| Dakota County Minnesota | 2 | $ 184,000 | $ 92,000 | $ 67,000 |
| Hennepin County Minnesota | 2 | $ 90,000 | $ 45,000 | $ 95,000 |
| Grafton County New Hampshire | 2 | $ 105,000 | $ 52,000 | $ 58,000 |
| Strafford County New Hampshire | 2 | $ 180,000 | $ 90,000 | $ 70,000 |
| Cape May County New Jersey | 2 | $ 65,000 | $ 32,000 | $ 71,000 |
| Greene County New York | 2 | $ 255,000 | $ 127,000 | $ 96,000 |
| Monroe County New York | 2 | $ 266,000 | $ 133,000 | $ 159,000 |
| New York County New York | 2 | $ 393,000 | $ 196,000 | $ 147,000 |
| Schuyler County New York | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Sullivan County New York | 2 | $ 146,000 | $ 73,000 | $ 32,000 |
| Tulsa County Oklahoma | 2 | $ 134,000 | $ 67,000 | $ 50,000 |
| Cumberland County Pennsylvania | 2 | $ 227,000 | $ 113,000 | $ 62,000 |
| Susquehanna County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 84,000 |
| Venango County Pennsylvania | 2 | $ 226,000 | $ 113,000 | $ 142,000 |
| York County Pennsylvania | 2 | $ 138,000 | $ 69,000 | $ 68,000 |
| Beaufort County South Carolina | 2 | $ 575,000 | $ 287,000 | $ 174,000 |
| Georgetown County South Carolina | 2 | $ 572,000 | $ 286,000 | $ 27,000 |
| Greene County Tennessee | 2 | $ 148,000 | $ 74,000 | $ 76,000 |
| Shelby County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 212,000 |
| Collin County Texas | 2 | $ 573,000 | $ 286,000 | $ 71,000 |
| Harris County Texas | 2 | $ 259,000 | $ 129,000 | $ 89,000 |
| Addison County Vermont | 2 | $ 260,000 | $ 130,000 | $ 112,000 |
| Arlington County Virginia | 2 | $ 185,000 | $ 92,000 | $ 157,000 |
| Virginia Beach County Virginia | 2 | $ 144,000 | $ 72,000 | $ 71,000 |
| Milwaukee County Wisconsin | 2 | $ 222,000 | $ 111,000 | $ 59,000 |
| Pinal County Arizona | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Yavapai County Arizona | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Pope County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 104,000 |
| Contra Costa County California | 1 | $ 71,000 | $ 71,000 | $ 153,000 |
| Los Angeles County California | 1 | $ 359,000 | $ 359,000 | $ 43,000 |
| Marin County California | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Orange County California | 1 | $ 50,000 | $ 50,000 | $ 170,000 |
| Placer County California | 1 | $ 200,000 | $ 200,000 | $ 167,000 |
| San Francisco County California | 1 | $ 144,000 | $ 144,000 | $ 139,000 |
| San Luis Obispo County California | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| San Mateo County California | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Solano County California | 1 | $ 432,000 | $ 432,000 | $ 126,000 |
| Ventura County California | 1 | $ 50,000 | $ 50,000 | $ 139,000 |
| Adams County Colorado | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| Arapahoe County Colorado | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Broomfield County Colorado | 1 | $ 310,000 | $ 310,000 | $ 110,000 |
| Mesa County Colorado | 1 | $ 26,000 | $ 26,000 | $ 29,000 |
| Hartford County Connecticut | 1 | $ 34,000 | $ 34,000 | $ 82,000 |
| New Haven County Connecticut | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Sussex County Delaware | 1 | $ 293,000 | $ 293,000 | $ 76,000 |
| Charlotte County Florida | 1 | $ 70,000 | $ 70,000 | $ 189,000 |
| Collier County Florida | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Duval County Florida | 1 | $ 198,000 | $ 198,000 | $ 87,000 |
| Martin County Florida | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Okaloosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 89,000 |
| St. Johns County Florida | 1 | $ 80,000 | $ 80,000 | $ 74,000 |
| Camden County Georgia | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| Honolulu County Hawaii | 1 | $ 80,000 | $ 80,000 | $ 206,000 |
| Delaware County Indiana | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| York County Maine | 1 | $ 258,000 | $ 258,000 | $ 98,000 |
| Harford County Maryland | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Prince George's County Maryland | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Essex County Massachusetts | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Franklin County Massachusetts | 1 | $ 12,000 | $ 12,000 | $ 101,000 |
| Hampden County Massachusetts | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Midland County Michigan | 1 | $ 256,000 | $ 256,000 | $ 62,000 |
| Grant County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Pine County Minnesota | 1 | $ 31,000 | $ 31,000 | $ 89,000 |
| Rice County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Sherburne County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Washington County Minnesota | 1 | $ 183,000 | $ 183,000 | $ 87,000 |
| Leake County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Jackson County Missouri | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Clark County Nevada | 1 | $ 50,000 | $ 50,000 | $ 143,000 |
| Merrimack County New Hampshire | 1 | $ 22,000 | $ 22,000 | $ 61,000 |
| Rockingham County New Hampshire | 1 | $ 370,000 | $ 370,000 | $ 89,000 |
| Santa Fe County New Mexico | 1 | $ 64,000 | $ 64,000 | $ 89,000 |
| Essex County New York | 1 | $ 134,000 | $ 134,000 | $ 66,000 |
| Montgomery County New York | 1 | $ 8,000 | $ 8,000 | $ 33,000 |
| Onondaga County New York | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Putnam County New York | 1 | $ 330,000 | $ 330,000 | $ 181,000 |
| Schenectady County New York | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| Cabarrus County North Carolina | 1 | $ 12,000 | $ 12,000 | $ 188,000 |
| Duplin County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 17,000 |
| Durham County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 100,000 |
| Granville County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| Halifax County North Carolina | 1 | $ 19,000 | $ 19,000 | $ 55,000 |
| Moore County North Carolina | 1 | $ 416,000 | $ 416,000 | $ 108,000 |
| Onslow County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Rowan County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Franklin County Ohio | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Medina County Ohio | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Lane County Oregon | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| Cambria County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Columbia County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Dauphin County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Erie County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 105,000 |
| Franklin County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Lancaster County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 45,000 |
| Lebanon County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Mercer County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Schuylkill County Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 20,000 |
| Union County Pennsylvania | 1 | $ 73,000 | $ 73,000 | $ 90,000 |
| Washington County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 120,000 |
| Westmoreland County Pennsylvania | 1 | $ 350,000 | $ 350,000 | $ 121,000 |
| Wyoming County Pennsylvania | 1 | $ 28,000 | $ 28,000 | $ 16,000 |
| Providence County Rhode Island | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 58,000 |
| Richland County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Anderson County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Knox County Tennessee | 1 | $ 36,000 | $ 36,000 | $ 65,000 |
| Tarrant County Texas | 1 | $ 168,000 | $ 168,000 | $ 95,000 |
| Summit County Utah | 1 | $ 250,000 | $ 250,000 | $ 150,000 |
| Frederick County Virginia | 1 | $ 256,000 | $ 256,000 | $ 61,000 |
| Norfolk County Virginia | 1 | $ 20,000 | $ 20,000 | $ 169,000 |
| Prince William County Virginia | 1 | $ 10,000 | $ 10,000 | $ 51,000 |
| Roanoke County Virginia | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Spotsylvania County Virginia | 1 | $ 333,000 | $ 333,000 | $ 94,000 |
| Kitsap County Washington | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Monongalia County West Virginia | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Sauk County Wisconsin | 1 | $ 22,000 | $ 22,000 | $ 35,000 |
| Waukesha County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 163,000 |
Mortgage Loan Application Detail Totals for Affinity in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,309 | $274,451,000 | $127,821 | $1,250,000 | $92,357 | $1,976,000 |
| Home Improvement | 1,665 | $128,252,000 | $57,935 | $900,000 | $94,903 | $1,700,000 |
| Home Purchase | 579 | $142,002,000 | $215,392 | $1,242,000 | $87,964 | $1,454,000 |
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 | 3,422 | $398,829,000 | $114,777 | $1,250,000 | $88,527 | $1,700,000 |
| Asian | 475 | $72,756,000 | $117,777 | $900,000 | $158,666 | $1,976,000 |
| Black or African American | 377 | $41,333,000 | $118,888 | $1,242,000 | $82,722 | $754,000 |
| Hispanic | 245 | $27,040,000 | $132,500 | $488,000 | $94,300 | $323,000 |
| American Indian or Alaskan Native | 20 | $3,297,000 | $177,800 | $600,000 | $91,000 | $169,000 |
| Not Provided | 8 | $495,000 | $39,500 | $125,000 | $80,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $955,000 | $163,333 | $285,000 | $101,333 | $131,000 |
| Not applicable | 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) | 4,553 | $544,705,000 | $110,710 | $1,250,000 | $92,210 | $1,976,000 |
| 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 | 3,330 | $383,558,000 | $111,305 | $1,250,000 | $91,944 | $750,000 |
| Application Withdrawn By Applicant | 907 | $123,671,000 | $142,227 | $1,000,000 | $126,090 | $1,976,000 |
| Application Denied By Financial Institution | 290 | $33,704,000 | $103,500 | $1,040,000 | $64,812 | $466,000 |
| Application Approved But Not Accepted | 26 | $3,772,000 | $161,500 | $398,000 | $98,000 | $164,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 101 | $9,806,000 | $81,500 | $760,000 | $80,166 | $318,000 |
| Debt-To-Income Ratio | 97 | $12,960,000 | $130,375 | $1,040,000 | $47,500 | $182,000 |
| Collateral | 75 | $8,848,000 | $109,666 | $367,000 | $91,666 | $466,000 |
| Employment History | 9 | $860,000 | $83,000 | $265,000 | $71,000 | $107,000 |
| Unverifiable Information | 4 | $605,000 | $126,000 | $280,000 | $71,666 | $150,000 |
| Other | 3 | $501,000 | $167,000 | $274,000 | $79,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $68,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Affinity's 2005 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 Affinity'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.
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