Affinity Federal Credit Union Mortgage Lending & HMDA Data, 2007
In 2007, Affinity Federal Credit Union of Basking Ridge, NJ reported 4,703 mortgage applications totaling $628.0 million, down 2% from 2006. The average application was for $133,532, and applicants reported an average income of $105,834. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Edison, NJ (1,681), Newark-Union, NJ-PA (1,515) and New York-White Plains-Wayne, NY-NJ (277) (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 | 4,703 |
| Total Mortgage Loan Application Amount | $628,005,000 |
| Average Mortgage Loan Application Amount | $133,532 |
| Highest Mortgage Loan Application Amount | $4,400,000 |
| Average Applicant Income | $105,834 |
| Highest Applicant Income | $2,550,000 |
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records Affinity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Edison, NJ | 1,681 | $ 223,919,000 | $ 133,205 | $ 103,000 |
| Newark-Union, NJ-PA | 1,515 | $ 201,540,000 | $ 133,029 | $ 106,126 |
| New York-White Plains-Wayne, NY-NJ | 277 | $ 47,575,000 | $ 171,750 | $ 109,812 |
| Allentown-Bethlehem-Easton, PA-NJ | 273 | $ 26,967,000 | $ 98,780 | $ 104,230 |
| Camden, NJ | 94 | $ 10,768,000 | $ 114,553 | $ 97,000 |
| Trenton-Ewing, NJ | 82 | $ 11,986,000 | $ 146,170 | $ 119,000 |
| Philadelphia, PA | 80 | $ 9,685,000 | $ 121,062 | $ 112,000 |
| Atlanta-Sandy Springs-Marietta, GA | 64 | $ 7,052,000 | $ 110,187 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 33 | $ 5,143,000 | $ 155,848 | $ 111,939 |
| Charlotte-Gastonia-Concord, NC-SC | 29 | $ 3,589,000 | $ 123,758 | $ 82,068 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 2,854,000 | $ 101,928 | $ 77,000 |
| Chicago-Naperville-Joliet, IL | 21 | $ 2,812,000 | $ 133,904 | $ 113,000 |
| Nassau-Suffolk, NY | 21 | $ 2,854,000 | $ 135,904 | $ 113,000 |
| Tampa-St. Petersburg-Clearwater, FL | 21 | $ 3,022,000 | $ 143,904 | $ 123,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 3,032,000 | $ 159,578 | $ 148,000 |
| Cambridge-Newton-Framingham, MA | 16 | $ 4,376,000 | $ 273,500 | $ 158,000 |
| Bridgeport-Stamford-Norwalk, CT | 15 | $ 4,052,000 | $ 270,133 | $ 242,000 |
| Raleigh-Cary, NC | 14 | $ 2,050,000 | $ 146,428 | $ 160,000 |
| Denver-Aurora, CO | 11 | $ 1,582,000 | $ 143,818 | $ 94,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 2,049,000 | $ 204,900 | $ 307,000 |
| Oakland-Fremont-Hayward, CA | 9 | $ 2,455,000 | $ 272,777 | $ 103,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 9 | $ 1,380,000 | $ 153,333 | $ 114,000 |
| Baltimore-Towson, MD | 8 | $ 872,000 | $ 109,000 | $ 104,000 |
| Orlando-Kissimmee, FL | 8 | $ 1,248,000 | $ 156,000 | $ 175,000 |
| Greensboro-High Point, NC | 7 | $ 458,000 | $ 65,428 | $ 56,000 |
| New Haven-Milford, CT | 7 | $ 1,254,000 | $ 179,142 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 739,000 | $ 105,571 | $ 112,000 |
| Pittsburgh, PA | 7 | $ 463,000 | $ 66,142 | $ 58,000 |
| Sarasota-Bradenton-Venice, FL | 7 | $ 797,000 | $ 113,857 | $ 55,000 |
| Wilmington, DE-MD-NJ | 7 | $ 421,000 | $ 60,142 | $ 90,428 |
| Las Vegas-Paradise, NV | 6 | $ 673,000 | $ 112,166 | $ 56,000 |
| Richmond, VA | 6 | $ 515,000 | $ 85,833 | $ 103,000 |
| Atlantic City, NJ | 5 | $ 969,000 | $ 193,800 | $ 86,000 |
| Durham, NC | 5 | $ 643,000 | $ 128,600 | $ 73,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 730,000 | $ 146,000 | $ 71,000 |
| Ocala, FL | 5 | $ 321,000 | $ 64,200 | $ 38,000 |
| St. Louis, MO-IL | 5 | $ 643,000 | $ 128,600 | $ 370,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 325,000 | $ 65,000 | $ 65,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 1,075,000 | $ 268,750 | $ 141,000 |
| Binghamton, NY | 4 | $ 313,000 | $ 78,250 | $ 69,000 |
| Colorado Springs, CO | 4 | $ 409,000 | $ 102,250 | $ 125,000 |
| Dallas-Plano-Irving, TX | 4 | $ 717,000 | $ 179,250 | $ 102,000 |
| Jacksonville, FL | 4 | $ 284,000 | $ 71,000 | $ 38,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 629,000 | $ 157,250 | $ 66,000 |
| Port St. Lucie, FL | 4 | $ 436,000 | $ 109,000 | $ 80,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 2,305,000 | $ 576,250 | $ 35,000 |
| Reading, PA | 4 | $ 176,000 | $ 44,000 | $ 124,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 570,000 | $ 142,500 | $ 111,000 |
| Rockingham County-Strafford County, NH | 4 | $ 623,000 | $ 155,750 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 447,000 | $ 111,750 | $ 93,000 |
| Boston-Quincy, MA | 3 | $ 385,000 | $ 128,333 | $ 234,000 |
| Columbus, OH | 3 | $ 305,000 | $ 101,666 | $ 142,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 366,000 | $ 122,000 | $ 48,000 |
| Harrisburg-Carlisle, PA | 3 | $ 700,000 | $ 233,333 | $ 121,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 199,000 | $ 66,333 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 125,000 | $ 41,666 | $ 49,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 424,000 | $ 141,333 | $ 129,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 610,000 | $ 203,333 | $ 162,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 317,000 | $ 105,666 | $ 87,000 |
| Wilmington, NC | 3 | $ 330,000 | $ 110,000 | $ 76,000 |
| Winston-Salem, NC | 3 | $ 73,000 | $ 24,333 | $ 82,000 |
| Albuquerque, NM | 2 | $ 45,000 | $ 22,500 | $ 110,000 |
| Barnstable Town, MA | 2 | $ 225,000 | $ 112,500 | $ 58,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 472,000 | $ 236,000 | $ 113,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 110,000 | $ 55,000 | $ 103,000 |
| Charleston-North Charleston, SC | 2 | $ 1,230,000 | $ 615,000 | $ 551,000 |
| Chattanooga, TN-GA | 2 | $ 245,000 | $ 122,500 | $ 87,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 506,000 | $ 253,000 | $ 185,000 |
| Dover, DE | 2 | $ 149,000 | $ 74,500 | $ 49,000 |
| Florence, SC | 2 | $ 199,000 | $ 99,500 | $ 32,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 166,000 | $ 83,000 | $ 55,000 |
| Knoxville, TN | 2 | $ 50,000 | $ 25,000 | $ 66,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 528,000 | $ 264,000 | $ 110,000 |
| Manchester-Nashua, NH | 2 | $ 140,000 | $ 70,000 | $ 154,000 |
| Ocean City, NJ | 2 | $ 400,000 | $ 200,000 | $ 165,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 68,000 | $ 34,000 | $ 41,000 |
| Palm Coast, FL | 2 | $ 183,000 | $ 91,500 | $ 112,000 |
| Peabody, MA | 2 | $ 368,000 | $ 184,000 | $ 180,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 233,000 | $ 116,500 | $ 59,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 400,000 | $ 200,000 | $ 63,000 |
| Punta Gorda, FL | 2 | $ 1,028,000 | $ 514,000 | $ 164,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 335,000 | $ 167,500 | $ 136,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 162,000 | $ 81,000 | $ 121,000 |
| State College, PA | 2 | $ 389,000 | $ 194,500 | $ 155,000 |
| Tucson, AZ | 2 | $ 52,000 | $ 26,000 | $ 59,000 |
| Ann Arbor, MI | 1 | $ 40,000 | $ 40,000 | $ 73,000 |
| Athens-Clarke County, GA | 1 | $ 70,000 | $ 70,000 | $ 189,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 30,000 | $ 30,000 | $ 340,000 |
| Austin-Round Rock, TX | 1 | $ 70,000 | $ 70,000 | $ 134,000 |
| Baton Rouge, LA | 1 | $ 156,000 | $ 156,000 | $ 105,000 |
| Billings, MT | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Boulder, CO | 1 | $ 50,000 | $ 50,000 | $ 187,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Burlington, NC | 1 | $ 61,000 | $ 61,000 | $ 75,000 |
| Charlottesville, VA | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 50,000 | $ 50,000 | $ 89,000 |
| Columbia, SC | 1 | $ 140,000 | $ 140,000 | $ 89,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 25,000 | $ 25,000 | $ 185,000 |
| Fayetteville, NC | 1 | $ 66,000 | $ 66,000 | $ 21,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 100,000 | $ 100,000 | $ 160,000 |
| Fort Worth-Arlington, TX | 1 | $ 493,000 | $ 493,000 | $ 205,000 |
| Gary, IN | 1 | $ 82,000 | $ 82,000 | $ 29,000 |
| Glens Falls, NY | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 30,000 | $ 30,000 | $ 181,000 |
| Indianapolis-Carmel, IN | 1 | $ 133,000 | $ 133,000 | $ 66,000 |
| Kansas City, MO-KS | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Kingston, NY | 1 | $ 50,000 | $ 50,000 | $ 144,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 279,000 | $ 279,000 | $ 166,000 |
| Lancaster, PA | 1 | $ 258,000 | $ 258,000 | $ 42,000 |
| Montgomery, AL | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Naples-Marco Island, FL | 1 | $ 99,000 | $ 99,000 | $ 85,000 |
| Roanoke, VA | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 484,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 25,000 | $ 25,000 | $ 187,000 |
| Santa Fe, NM | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 46,000 | $ 46,000 | $ 52,000 |
| Springfield, MA | 1 | $ 347,000 | $ 347,000 | $ 89,000 |
| Springfield, MO | 1 | $ 24,000 | $ 24,000 | $ 25,000 |
| St. George, UT | 1 | $ 60,000 | $ 60,000 | $ 107,000 |
| Stockton, CA | 1 | $ 69,000 | $ 69,000 | $ 100,000 |
| Syracuse, NY | 1 | $ 22,000 | $ 22,000 | $ 125,000 |
| Tulsa, OK | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Waco, TX | 1 | $ 114,000 | $ 114,000 | $ 120,000 |
| Winchester, VA-WV | 1 | $ 250,000 | $ 250,000 | $ 92,000 |
| Worcester, MA | 1 | $ 90,000 | $ 90,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Affinity Federal Credit Union in 2007
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 | 3,150 | $383,853,000 | $121,000 | $2,045,000 | $102,000 | $2,550,000 |
| Home Improvement | 810 | $59,766,000 | $73,000 | $4,400,000 | $105,000 | $892,000 |
| Home Purchase | 743 | $184,386,000 | $248,000 | $2,000,000 | $123,000 | $2,164,000 |
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 | 3,165 | $406,088,000 | $128,000 | $4,400,000 | $108,000 | $2,550,000 |
| Black or African American | 503 | $69,700,000 | $138,000 | $1,660,000 | $90,000 | $457,000 |
| Not Provided | 455 | $60,584,000 | $133,000 | $715,000 | $103,000 | $1,541,000 |
| Asian | 338 | $58,529,000 | $173,000 | $2,000,000 | $130,000 | $1,586,000 |
| Hispanic | 223 | $31,156,000 | $139,000 | $605,000 | $87,000 | $300,000 |
| American Indian or Alaskan Native | 14 | $1,568,000 | $112,000 | $300,000 | $87,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $380,000 | $76,000 | $195,000 | $118,000 | $319,000 |
| 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) | 4,703 | $628,005,000 | $133,000 | $4,400,000 | $106,000 | $2,550,000 |
| 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 | 3,197 | $404,377,000 | $126,000 | $3,120,000 | $105,000 | $2,164,000 |
| Application Withdrawn By Applicant | 1,046 | $160,005,000 | $152,000 | $1,660,000 | $118,000 | $2,550,000 |
| Application Denied By Financial Institution | 453 | $62,833,000 | $138,000 | $4,400,000 | $83,000 | $480,000 |
| Application Approved But Not Accepted | 6 | $330,000 | $55,000 | $100,000 | $102,000 | $187,000 |
| File Closed For Incompleteness | 1 | $460,000 | $460,000 | $460,000 | $132,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 123 | $13,947,000 | $113,000 | $600,000 | $100,000 | $314,000 |
| Debt-To-Income Ratio | 120 | $16,604,000 | $138,000 | $605,000 | $61,000 | $150,000 |
| Credit History | 106 | $13,190,000 | $124,000 | $570,000 | $81,000 | $230,000 |
| Employment History | 5 | $1,070,000 | $214,000 | $375,000 | $113,000 | $191,000 |
| Other | 3 | $231,000 | $77,000 | $190,000 | $100,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $866,000 | $433,000 | $548,000 | $108,000 | $119,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Federal Credit Union's 2007 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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