Affinity Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Affinity Federal Credit Union of Basking Ridge, NJ reported 3,434 mortgage applications totaling $731.1 million, up 54% from 2024. The average application was for $212,903, and applicants reported an average income of $185,756. 56% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Lakewood-New Brunswick, NJ (1,119), Newark, NJ-PA (934) and New York-Jersey City-White Plains, NY-NJ (436) (applications in parentheses).

Mortgage Company & Address Affinity Federal Credit Union
73 Mountainview Blvd.
Basking Ridge, NJ 07920
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  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 3,434
Total Mortgage Loan Application Amount $731,110,000
Average Mortgage Loan Application Amount $212,903
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $185,756
Highest Applicant Income $2,116,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Affinity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Affinity Federal Credit Union by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Lakewood-New Brunswick, NJ 1,119 $ 225,185,000 $ 201,237 $ 177,000
Newark, NJ-PA 934 $ 195,390,000 $ 209,197 $ 189,000
New York-Jersey City-White Plains, NY-NJ 436 $ 104,100,000 $ 238,761 $ 215,775
Allentown-Bethlehem-Easton, PA-NJ 81 $ 14,655,000 $ 180,925 $ 137,518
Trenton, NJ 78 $ 20,470,000 $ 262,435 $ 193,000
Outside any metro area 74 $ 11,390,000 $ 153,918 $ 162,959
Camden, NJ 63 $ 14,085,000 $ 223,571 $ 157,000
Bridgeport-Stamford-Norwalk, CT 53 $ 15,105,000 $ 285,000 $ 226,000
New Haven-Milford, CT 51 $ 5,025,000 $ 98,529 $ 115,000
Nassau County-Suffolk County, NY 27 $ 8,495,000 $ 314,629 $ 248,000
Montgomery County-Bucks County-Chester County, PA 25 $ 5,135,000 $ 205,400 $ 245,000
Kiryas Joel-Poughkeepsie-Newburgh, NY 20 $ 2,640,000 $ 132,000 $ 119,000
Atlanta-Sandy Springs-Roswell, GA 19 $ 2,695,000 $ 141,842 $ 131,000
Arlington-Alexandria-Reston, VA-WV 17 $ 2,875,000 $ 169,117 $ 228,000
Charlotte-Concord-Gastonia, NC-SC 15 $ 2,835,000 $ 189,000 $ 166,333
West Palm Beach-Boca Raton-Delray Beach, FL 14 $ 1,930,000 $ 137,857 $ 174,000
Wilmington, DE-MD-NJ 12 $ 1,920,000 $ 160,000 $ 162,333
Atlantic City-Hammonton, NJ 11 $ 2,045,000 $ 185,909 $ 179,000
Minneapolis-St. Paul-Bloomington, MN-WI 11 $ 1,965,000 $ 178,636 $ 262,000
Orlando-Kissimmee-Sanford, FL 11 $ 1,705,000 $ 155,000 $ 248,000
Baltimore-Columbia-Towson, MD 10 $ 1,620,000 $ 162,000 $ 231,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 10 $ 1,660,000 $ 166,000 $ 197,000
North Port-Sarasota-Bradenton, FL 10 $ 2,290,000 $ 229,000 $ 145,000
Chicago-Naperville, IL 9 $ 705,000 $ 78,333 $ 165,000
Raleigh, NC 9 $ 4,105,000 $ 456,111 $ 233,000
Indianapolis-Carmel-Anderson, IN 8 $ 1,190,000 $ 148,750 $ 152,000
Los Angeles-Long Beach-Glendale, CA 8 $ 2,280,000 $ 285,000 $ 234,000
Miami-Miami Beach-Kendall, FL 8 $ 2,390,000 $ 298,750 $ 212,000
Philadelphia, PA 8 $ 1,410,000 $ 176,250 $ 185,000
Hartford-West Hartford-East Hartford, CT 7 $ 1,365,000 $ 195,000 $ 141,000
Jacksonville, FL 7 $ 1,495,000 $ 213,571 $ 240,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 7 $ 865,000 $ 123,571 $ 99,000
Oakland-Hayward-Berkeley, CA 7 $ 4,435,000 $ 633,571 $ 275,000
Pittsburgh, PA 7 $ 675,000 $ 96,428 $ 98,000
Washington, DC-MD 7 $ 1,405,000 $ 200,714 $ 165,571
Cambridge-Newton-Framingham, MA 6 $ 2,020,000 $ 336,666 $ 208,000
San Diego-Carlsbad, CA 6 $ 2,570,000 $ 428,333 $ 280,000
Virginia Beach-Norfolk-Newport News, VA-NC 6 $ 750,000 $ 125,000 $ 69,833
Waterbury-Shelton, CT 6 $ 620,000 $ 103,333 $ 157,000
Boston, MA 5 $ 1,575,000 $ 315,000 $ 200,000
Greenville-Anderson-Mauldin, SC 5 $ 955,000 $ 191,000 $ 134,000
Naples-Immokalee-Marco Island, FL 5 $ 715,000 $ 143,000 $ 175,000
Riverside-San Bernardino-Ontario, CA 5 $ 975,000 $ 195,000 $ 155,000
San Jose-Sunnyvale-Santa Clara, CA 5 $ 4,855,000 $ 971,000 $ 360,000
Seattle-Bellevue-Everett, WA 5 $ 2,835,000 $ 567,000 $ 306,000
Tampa, FL 5 $ 1,115,000 $ 223,000 $ 166,000
Warren-Troy-Farmington Hills, MI 5 $ 1,225,000 $ 245,000 $ 116,000
Anaheim-Santa Ana-Irvine, CA 4 $ 1,070,000 $ 267,500 $ 235,000
Dallas-Plano-Irving, TX 4 $ 3,280,000 $ 820,000 $ 324,000
Deltona-Daytona Beach-Ormond Beach, FL 4 $ 550,000 $ 137,500 $ 123,000
Denver-Aurora-Lakewood, CO 4 $ 1,720,000 $ 430,000 $ 199,000
Everett, WA 4 $ 2,400,000 $ 600,000 $ 255,000
Kansas City, MO-KS 4 $ 860,000 $ 215,000 $ 184,000
Nashville-Davidson--Murfreesboro--Franklin, TN 4 $ 430,000 $ 107,500 $ 153,000
Phoenix-Mesa-Scottsdale, AZ 4 $ 1,020,000 $ 255,000 $ 163,000
Chattanooga, TN-GA 3 $ 945,000 $ 315,000 $ 199,000
Cincinnati, OH-KY-IN 3 $ 405,000 $ 135,000 $ 112,000
Cleveland, OH 3 $ 805,000 $ 268,333 $ 294,000
Durham-Chapel Hill, NC 3 $ 425,000 $ 141,666 $ 91,000
Greensboro-High Point, NC 3 $ 525,000 $ 175,000 $ 143,000
Las Vegas-Henderson-Paradise, NV 3 $ 285,000 $ 95,000 $ 64,000
Palm Bay-Melbourne-Titusville, FL 3 $ 385,000 $ 128,333 $ 82,000
Providence-Warwick, RI-MA 3 $ 825,000 $ 275,000 $ 182,000
Sacramento--Roseville--Arden-Arcade, CA 3 $ 935,000 $ 311,666 $ 245,000
San Francisco-Redwood City-South San Francisco, CA 3 $ 2,625,000 $ 875,000 $ 503,000
Savannah, GA 3 $ 645,000 $ 215,000 $ 123,000
Syracuse, NY 3 $ 135,000 $ 45,000 $ 105,000
Vineland-Bridgeton, NJ 3 $ 235,000 $ 78,333 $ 86,000
Washington-Baltimore-Arlington, DC 3 $ 265,000 $ 88,333 $ 143,000
York-Hanover, PA 3 $ 715,000 $ 238,333 $ 89,000
Akron, OH 2 $ 110,000 $ 55,000 $ 55,000
Asheville, NC 2 $ 1,510,000 $ 755,000 $ 173,000
Burlington, NC 2 $ 780,000 $ 390,000 $ 191,000
Cape Coral-Fort Myers, FL 2 $ 290,000 $ 145,000 $ 210,000
Columbus, GA-AL 2 $ 90,000 $ 45,000 $ 74,500
Columbus, OH 2 $ 710,000 $ 355,000 $ 150,000
Dover, DE 2 $ 500,000 $ 250,000 $ 115,000
Glens Falls, NY 2 $ 230,000 $ 115,000 $ 324,000
Hilton Head Island-Bluffton-Beaufort, SC 2 $ 260,000 $ 130,000 $ 195,000
Houston-The Woodlands-Sugar Land, TX 2 $ 410,000 $ 205,000 $ 254,000
Lake County-Kenosha County, IL-WI 2 $ 170,000 $ 85,000 $ 145,000
Lakeland-Winter Haven, FL 2 $ 450,000 $ 225,000 $ 607,000
Louisville/Jefferson County, KY-IN 2 $ 110,000 $ 55,000 $ 67,000
Marietta, GA 2 $ 430,000 $ 215,000 $ 188,000
New Orleans-Metairie, LA 2 $ 300,000 $ 150,000 $ 84,000
Pinehurst-Southern Pines, NC 2 $ 130,000 $ 65,000 $ 129,000
Port St. Lucie, FL 2 $ 260,000 $ 130,000 $ 98,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 1,230,000 $ 615,000 $ 122,000
Sebastian-Vero Beach, FL 2 $ 1,060,000 $ 530,000 $ 863,000
St. Petersburg-Clearwater-Largo, FL 2 $ 120,000 $ 60,000 $ 55,000
Wildwood-The Villages, FL 2 $ 210,000 $ 105,000 $ 37,000
Wilmington, NC 2 $ 110,000 $ 55,000 $ 64,000
Worcester, MA-CT 2 $ 880,000 $ 440,000 $ 225,000
Albany, GA 1 $ 25,000 $ 25,000 $ 95,000
Altoona, PA 1 $ 15,000 $ 15,000 $ 47,000
Barnstable Town, MA 1 $ 105,000 $ 105,000 $ 28,000
Binghamton, NY 1 $ 85,000 $ 85,000 $ 68,000
Boulder, CO 1 $ 305,000 $ 305,000 $ 348,000
Bowling Green, KY 1 $ 225,000 $ 225,000 $ 185,000
Buffalo-Cheektowaga-Niagara Falls, NY 1 $ 285,000 $ 285,000 $ 100,000
Canton-Massillon, OH 1 $ 125,000 $ 125,000 $ 124,000
Charleston, WV 1 $ 55,000 $ 55,000 $ 118,000
Charleston-North Charleston, SC 1 $ 45,000 $ 45,000 $ 42,000
Columbia, SC 1 $ 155,000 $ 155,000 $ 86,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 105,000 $ 105,000 $ 518,000
Daphne-Fairhope-Foley, AL 1 $ 105,000 $ 105,000 $ 76,000
Elgin, IL 1 $ 105,000 $ 105,000 $ 138,000
Elmira, NY 1 $ 15,000 $ 15,000 $ 42,000
Evansville, IN-KY 1 $ 25,000 $ 25,000 $ 140,000
Fairbanks, AK 1 $ 205,000 $ 205,000 $ 142,000
Gainesville, FL 1 $ 15,000 $ 15,000 $ 21,000
Gainesville, GA 1 $ 155,000 $ 155,000 $ 250,000
Hagerstown-Martinsburg, MD-WV 1 $ 105,000 $ 105,000 $ 253,000
Harrisburg-Carlisle, PA 1 $ 355,000 $ 355,000 $ 130,000
Harrisonburg, VA 1 $ 335,000 $ 335,000 $ 370,000
Hickory-Lenoir-Morganton, NC 1 $ 45,000 $ 45,000 $ 78,000
Jackson, MS 1 $ 155,000 $ 155,000 $ 137,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 155,000 $ 155,000 $ 67,000
Knoxville, TN 1 $ 45,000 $ 45,000 $ 60,000
Lancaster, PA 1 $ 385,000 $ 385,000 $ 206,000
Manchester-Nashua, NH 1 $ 255,000 $ 255,000 $ 385,000
Mankato-North Mankato, MN 1 $ 155,000 $ 155,000 $ 128,000
Memphis, TN-MS-AR 1 $ 65,000 $ 65,000 $ 140,000
Modesto, CA 1 $ 325,000 $ 325,000 $ 100,000
Mount Vernon-Anacortes, WA 1 $ 205,000 $ 205,000 $ 148,000
Ocala, FL 1 $ 355,000 $ 355,000 $ 133,000
Omaha-Council Bluffs, NE-IA 1 $ 125,000 $ 125,000 $ 182,000
Portland-South Portland, ME 1 $ 155,000 $ 155,000 $ 68,000
Punta Gorda, FL 1 $ 395,000 $ 395,000 $ 148,000
Reading, PA 1 $ 525,000 $ 525,000 $ 140,000
Richmond, VA 1 $ 1,055,000 $ 1,055,000 $ 296,000
Roanoke, VA 1 $ 305,000 $ 305,000 $ 308,000
Rochester, MN 1 $ 105,000 $ 105,000 $ 316,000
Rockingham County-Strafford County, NH 1 $ 105,000 $ 105,000 $ 104,000
Salisbury, MD-DE 1 $ 25,000 $ 25,000 $ 76,000
Salt Lake City, UT 1 $ 255,000 $ 255,000 $ 598,000
San Rafael, CA 1 $ 575,000 $ 575,000 $ 375,000
Santa Rosa, CA 1 $ 745,000 $ 745,000 $ 182,000
Sebring, FL 1 $ 15,000 $ 15,000 $ 57,000
Spartanburg, SC 1 $ 395,000 $ 395,000 $ 214,000
Springfield, MO 1 $ 25,000 $ 25,000 $ 56,000
Stockton-Lodi, CA 1 $ 715,000 $ 715,000 $ 161,000
Tucson, AZ 1 $ 165,000 $ 165,000 $ 52,000
Tulsa, OK 1 $ 25,000 $ 25,000 $ 101,000
Tuscaloosa, AL 1 $ 125,000 $ 125,000 $ 121,000
Urban Honolulu, HI 1 $ 515,000 $ 515,000 $ 325,000
Utica-Rome, NY 1 $ 85,000 $ 85,000 $ 85,000

Mortgage Loan Application Detail Totals for Affinity Federal Credit Union in 2025

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 Improvement 1,418 $218,500,000 $154,000 $1,005,000 $186,000 $1,905,000
Cash-out Refinancing 1,052 $175,160,000 $166,000 $1,955,000 $167,000 $1,548,000
Home Purchase 464 $202,320,000 $436,000 $2,805,000 $208,000 $1,157,000
Other Purpose 348 $63,200,000 $181,000 $1,005,000 $182,000 $2,116,000
Refinancing 152 $71,930,000 $473,000 $2,105,000 $254,000 $1,653,000
Not Applicable 0 $0 $0 $0 $0 $0

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 1,731 $342,425,000 $197,000 $1,945,000 $194,000 $2,116,000
Asian 439 $156,235,000 $355,000 $2,395,000 $238,000 $1,157,000
Hispanic 431 $68,895,000 $159,000 $2,805,000 $150,000 $1,621,000
Black or African American 419 $59,085,000 $141,000 $1,205,000 $127,000 $575,000
Not Provided 382 $91,330,000 $239,000 $1,345,000 $195,000 $1,154,000
American Indian or Alaskan Native 17 $2,605,000 $153,000 $735,000 $113,000 $423,000
Not applicable 11 $9,355,000 $850,000 $2,105,000 $0 $0
Native Hawaiian or Other Pacific Islander 4 $1,180,000 $295,000 $705,000 $242,000 $598,000

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) 3,434 $731,110,000 $212,000 $2,805,000 $186,000 $2,116,000
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 1,920 $433,730,000 $225,000 $2,105,000 $202,000 $1,653,000
Application Denied By Financial Institution 963 $156,525,000 $162,000 $1,005,000 $142,000 $1,905,000
Application Withdrawn By Applicant 285 $79,065,000 $277,000 $2,395,000 $201,000 $2,116,000
File Closed For Incompleteness 203 $38,635,000 $190,000 $1,105,000 $205,000 $921,000
Application Approved But Not Accepted 63 $23,155,000 $367,000 $2,805,000 $218,000 $820,000
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
Not applicable 2,471 $574,585,000 $232,000 $2,805,000 $203,000 $2,116,000
Debt-To-Income Ratio 508 $86,560,000 $170,000 $1,005,000 $96,000 $930,000
Credit History 205 $24,015,000 $117,000 $925,000 $149,000 $716,000
Collateral 156 $27,220,000 $174,000 $995,000 $235,000 $1,621,000
Other 82 $15,870,000 $193,000 $995,000 $225,000 $1,905,000
Unverifiable Information 6 $1,560,000 $260,000 $395,000 $165,000 $274,000
Employment History 4 $770,000 $192,000 $355,000 $163,000 $250,000
Credit Application Incomplete 1 $205,000 $205,000 $205,000 $412,000 $412,000
Mortgage Insurance Denied 1 $325,000 $325,000 $325,000 $89,000 $89,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Affinity Federal Credit Union's 2025 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 Federal Credit Union'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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