Affinity Federal Credit Union Mortgage Lending & HMDA Data, 2008
In 2008, Affinity Federal Credit Union of Basking Ridge, NJ reported 4,435 mortgage applications totaling $634.2 million, down 6% from 2007. The average application was for $143,003, and applicants reported an average income of $110,425. 63% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Edison-New Brunswick, NJ (1,634), Newark-Union, NJ-PA (1,430) and New York-White Plains-Wayne, NY-NJ (286) (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 | 4,435 |
| Total Mortgage Loan Application Amount | $634,222,000 |
| Average Mortgage Loan Application Amount | $143,003 |
| Highest Mortgage Loan Application Amount | $2,830,000 |
| Average Applicant Income | $110,425 |
| Highest Applicant Income | $1,806,000 |
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records Affinity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-New Brunswick, NJ | 1,634 | $ 230,519,000 | $ 141,076 | $ 113,000 |
| Newark-Union, NJ-PA | 1,430 | $ 208,470,000 | $ 145,783 | $ 113,486 |
| New York-White Plains-Wayne, NY-NJ | 286 | $ 46,560,000 | $ 162,797 | $ 109,384 |
| Allentown-Bethlehem-Easton, PA-NJ | 237 | $ 24,709,000 | $ 104,257 | $ 87,738 |
| Trenton-Ewing, NJ | 95 | $ 15,146,000 | $ 159,431 | $ 113,000 |
| Camden, NJ | 65 | $ 6,313,000 | $ 97,123 | $ 95,000 |
| Philadelphia, PA | 59 | $ 8,410,000 | $ 142,542 | $ 115,000 |
| Atlanta-Sandy Springs-Marietta, GA | 49 | $ 6,939,000 | $ 141,612 | $ 99,000 |
| Nassau-Suffolk, NY | 31 | $ 5,132,000 | $ 165,548 | $ 144,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 28 | $ 6,820,000 | $ 243,571 | $ 119,857 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 26 | $ 3,275,000 | $ 125,961 | $ 116,000 |
| Orlando-Kissimmee, FL | 16 | $ 1,880,000 | $ 117,500 | $ 119,000 |
| Bridgeport-Stamford-Norwalk, CT | 15 | $ 5,790,000 | $ 386,000 | $ 174,000 |
| Charlotte-Gastonia-Concord, NC-SC | 15 | $ 2,277,000 | $ 151,800 | $ 99,933 |
| Denver-Aurora, CO | 13 | $ 2,627,000 | $ 202,076 | $ 125,000 |
| Raleigh-Cary, NC | 13 | $ 2,143,000 | $ 164,846 | $ 86,000 |
| Chicago-Naperville-Joliet, IL | 12 | $ 2,244,000 | $ 187,000 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 1,471,000 | $ 133,727 | $ 116,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 1,200,000 | $ 120,000 | $ 94,000 |
| St. Louis, MO-IL | 10 | $ 451,000 | $ 45,100 | $ 92,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 786,000 | $ 87,333 | $ 92,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,006,000 | $ 111,777 | $ 75,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 1,172,000 | $ 130,222 | $ 93,000 |
| Baltimore-Towson, MD | 7 | $ 655,000 | $ 93,571 | $ 130,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,107,000 | $ 158,142 | $ 128,000 |
| New Haven-Milford, CT | 7 | $ 949,000 | $ 135,571 | $ 85,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,159,000 | $ 165,571 | $ 130,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 2,291,000 | $ 327,285 | $ 169,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,618,000 | $ 231,142 | $ 125,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 944,000 | $ 134,857 | $ 93,000 |
| Bradenton-Sarasota-Venice, FL | 6 | $ 581,000 | $ 96,833 | $ 107,000 |
| Jacksonville, FL | 6 | $ 833,000 | $ 138,833 | $ 81,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 1,812,000 | $ 302,000 | $ 102,000 |
| Pittsburgh, PA | 6 | $ 229,000 | $ 38,166 | $ 87,000 |
| Wilmington, DE-MD-NJ | 6 | $ 993,000 | $ 165,500 | $ 118,166 |
| Atlantic City-Hammonton, NJ | 5 | $ 344,000 | $ 68,800 | $ 73,000 |
| Indianapolis-Carmel, IN | 5 | $ 595,000 | $ 119,000 | $ 116,000 |
| Las Vegas-Paradise, NV | 5 | $ 474,000 | $ 94,800 | $ 69,000 |
| Richmond, VA | 5 | $ 559,000 | $ 111,800 | $ 119,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 974,000 | $ 243,500 | $ 79,000 |
| Colorado Springs, CO | 4 | $ 654,000 | $ 163,500 | $ 97,000 |
| Greensboro-High Point, NC | 4 | $ 326,000 | $ 81,500 | $ 49,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 809,000 | $ 202,250 | $ 129,000 |
| Ocean City, NJ | 4 | $ 412,000 | $ 103,000 | $ 50,000 |
| Port St. Lucie, FL | 4 | $ 159,000 | $ 39,750 | $ 68,000 |
| Wilmington, NC | 4 | $ 428,000 | $ 107,000 | $ 89,000 |
| Austin-Round Rock, TX | 3 | $ 425,000 | $ 141,666 | $ 116,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 180,000 | $ 60,000 | $ 590,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 523,000 | $ 174,333 | $ 160,000 |
| Canton-Massillon, OH | 3 | $ 247,000 | $ 82,333 | $ 117,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 749,000 | $ 249,666 | $ 89,000 |
| Dallas-Plano-Irving, TX | 3 | $ 631,000 | $ 210,333 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 172,000 | $ 57,333 | $ 58,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 150,000 | $ 50,000 | $ 106,000 |
| Kansas City, MO-KS | 3 | $ 560,000 | $ 186,666 | $ 108,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 590,000 | $ 196,666 | $ 71,000 |
| Manchester-Nashua, NH | 3 | $ 853,000 | $ 284,333 | $ 212,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 118,000 | $ 39,333 | $ 80,000 |
| Peabody, MA | 3 | $ 332,000 | $ 110,666 | $ 110,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 3,346,000 | $ 1,115,333 | $ 46,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 558,000 | $ 186,000 | $ 98,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 255,000 | $ 85,000 | $ 82,000 |
| Syracuse, NY | 3 | $ 124,000 | $ 41,333 | $ 49,000 |
| Winston-Salem, NC | 3 | $ 409,000 | $ 136,333 | $ 76,000 |
| Albuquerque, NM | 2 | $ 225,000 | $ 112,500 | $ 54,000 |
| Ann Arbor, MI | 2 | $ 139,000 | $ 69,500 | $ 0 |
| Asheville, NC | 2 | $ 286,000 | $ 143,000 | $ 24,000 |
| Barnstable Town, MA | 2 | $ 136,000 | $ 68,000 | $ 71,000 |
| Baton Rouge, LA | 2 | $ 185,000 | $ 92,500 | $ 105,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 138,000 | $ 69,000 | $ 63,000 |
| Columbus, OH | 2 | $ 108,000 | $ 54,000 | $ 171,000 |
| Des Moines-West Des Moines, IA | 2 | $ 150,000 | $ 75,000 | $ 60,000 |
| Durham, NC | 2 | $ 64,000 | $ 32,000 | $ 74,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 153,000 | $ 76,500 | $ 98,000 |
| Harrisburg-Carlisle, PA | 2 | $ 55,000 | $ 27,500 | $ 88,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 71,000 | $ 35,500 | $ 132,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 56,000 | $ 28,000 | $ 54,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 87,000 | $ 43,500 | $ 115,000 |
| Niles-Benton Harbor, MI | 2 | $ 690,000 | $ 345,000 | $ 226,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 220,000 | $ 110,000 | $ 36,000 |
| Roanoke, VA | 2 | $ 49,000 | $ 24,500 | $ 46,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 640,000 | $ 320,000 | $ 116,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 821,000 | $ 410,500 | $ 123,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 979,000 | $ 489,500 | $ 53,000 |
| Tucson, AZ | 2 | $ 18,000 | $ 9,000 | $ 47,000 |
| Worcester, MA | 2 | $ 235,000 | $ 117,500 | $ 82,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Birmingham-Hoover, AL | 1 | $ 25,000 | $ 25,000 | $ 195,000 |
| Boulder, CO | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Columbia, SC | 1 | $ 172,000 | $ 172,000 | $ 82,000 |
| Dothan, AL | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| Dover, DE | 1 | $ 110,000 | $ 110,000 | $ 76,000 |
| Gary, IN | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Goldsboro, NC | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Honolulu, HI | 1 | $ 30,000 | $ 30,000 | $ 216,000 |
| Jackson, MS | 1 | $ 108,000 | $ 108,000 | $ 50,000 |
| Jacksonville, NC | 1 | $ 565,000 | $ 565,000 | $ 167,000 |
| Jefferson City, MO | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Knoxville, TN | 1 | $ 343,000 | $ 343,000 | $ 161,000 |
| Lancaster, PA | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 76,000 | $ 76,000 | $ 74,000 |
| Naples-Marco Island, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Ocala, FL | 1 | $ 47,000 | $ 47,000 | $ 36,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 48,000 | $ 48,000 | $ 65,000 |
| Palm Coast, FL | 1 | $ 200,000 | $ 200,000 | $ 86,000 |
| Panama City-Lynn Haven, FL | 1 | $ 43,000 | $ 43,000 | $ 131,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 72,000 | $ 72,000 | $ 157,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Punta Gorda, FL | 1 | $ 50,000 | $ 50,000 | $ 81,000 |
| Reading, PA | 1 | $ 19,000 | $ 19,000 | $ 75,000 |
| Rochester, NY | 1 | $ 30,000 | $ 30,000 | $ 113,000 |
| Rocky Mount, NC | 1 | $ 180,000 | $ 180,000 | $ 105,000 |
| Salisbury, MD | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 180,000 | $ 180,000 | $ 200,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 380,000 | $ 380,000 | $ 120,000 |
| Sebastian-Vero Beach, FL | 1 | $ 96,000 | $ 96,000 | $ 61,000 |
| Springfield, MA | 1 | $ 12,000 | $ 12,000 | $ 119,000 |
| Springfield, MO | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Toledo, OH | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Tulsa, OK | 1 | $ 221,000 | $ 221,000 | $ 116,000 |
| Utica-Rome, NY | 1 | $ 70,000 | $ 70,000 | $ 80,000 |
| Valdosta, GA | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Wenatchee, WA | 1 | $ 16,000 | $ 16,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Affinity Federal Credit Union in 2008
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 | 3,297 | $452,432,000 | $137,000 | $2,830,000 | $108,000 | $1,806,000 |
| Home Improvement | 573 | $40,389,000 | $70,000 | $555,000 | $111,000 | $500,000 |
| Home Purchase | 565 | $141,401,000 | $250,000 | $1,424,000 | $124,000 | $873,000 |
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 | 3,233 | $447,542,000 | $138,000 | $2,020,000 | $111,000 | $1,806,000 |
| Asian | 384 | $65,481,000 | $170,000 | $998,000 | $129,000 | $369,000 |
| Black or African American | 377 | $57,770,000 | $153,000 | $1,904,000 | $93,000 | $471,000 |
| Not Provided | 221 | $31,456,000 | $142,000 | $1,200,000 | $112,000 | $1,418,000 |
| Hispanic | 200 | $29,190,000 | $145,000 | $2,830,000 | $98,000 | $522,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $1,877,000 | $134,000 | $646,000 | $140,000 | $336,000 |
| American Indian or Alaskan Native | 6 | $906,000 | $151,000 | $417,000 | $84,000 | $122,000 |
| 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) | 4,435 | $634,222,000 | $143,000 | $2,830,000 | $110,000 | $1,806,000 |
| 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 | 2,782 | $380,034,000 | $136,000 | $2,830,000 | $111,000 | $1,806,000 |
| Application Withdrawn By Applicant | 935 | $155,935,000 | $166,000 | $1,200,000 | $119,000 | $1,380,000 |
| Application Denied By Financial Institution | 714 | $97,913,000 | $137,000 | $783,000 | $96,000 | $1,538,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $100,000 | $53,000 | $58,000 |
| File Closed For Incompleteness | 2 | $210,000 | $105,000 | $135,000 | $152,000 | $230,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 202 | $30,732,000 | $152,000 | $704,000 | $74,000 | $471,000 |
| Collateral | 175 | $20,595,000 | $117,000 | $727,000 | $115,000 | $423,000 |
| Credit History | 83 | $9,597,000 | $115,000 | $498,000 | $89,000 | $358,000 |
| Employment History | 6 | $740,000 | $123,000 | $209,000 | $93,000 | $246,000 |
| Unverifiable Information | 4 | $291,000 | $72,000 | $100,000 | $81,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $304,000 | $304,000 | $304,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 1 | $225,000 | $225,000 | $225,000 | $52,000 | $52,000 |
| Other | 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 2008 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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