Affinity Federal Credit Union Mortgage Lending & HMDA Data, 2009
In 2009, Affinity Federal Credit Union of Basking Ridge, NJ reported 3,514 mortgage applications totaling $729.4 million, down 21% from 2008. The average application was for $207,577, and applicants reported an average income of $138,650. 57% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Edison-New Brunswick, NJ (1,382), Newark-Union, NJ-PA (1,135) and New York-White Plains-Wayne, NY-NJ (196) (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 | 3,514 |
| Total Mortgage Loan Application Amount | $729,426,000 |
| Average Mortgage Loan Application Amount | $207,577 |
| Highest Mortgage Loan Application Amount | $3,690,000 |
| Average Applicant Income | $138,650 |
| Highest Applicant Income | $5,486,000 |
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records Affinity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,382 | $ 275,468,000 | $ 199,325 | $ 132,000 |
| Newark-Union, NJ-PA | 1,135 | $ 235,101,000 | $ 207,137 | $ 151,612 |
| New York-White Plains-Wayne, NY-NJ | 196 | $ 57,024,000 | $ 290,938 | $ 162,362 |
| Allentown-Bethlehem-Easton, PA-NJ | 181 | $ 29,708,000 | $ 164,132 | $ 117,237 |
| Philadelphia, PA | 63 | $ 13,389,000 | $ 212,523 | $ 130,000 |
| Trenton-Ewing, NJ | 61 | $ 12,181,000 | $ 199,688 | $ 130,000 |
| Camden, NJ | 40 | $ 6,535,000 | $ 163,375 | $ 116,000 |
| Atlanta-Sandy Springs-Marietta, GA | 28 | $ 5,564,000 | $ 198,714 | $ 147,000 |
| Nassau-Suffolk, NY | 22 | $ 5,965,000 | $ 271,136 | $ 242,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 6,280,000 | $ 348,888 | $ 135,555 |
| Charlotte-Gastonia-Concord, NC-SC | 12 | $ 2,059,000 | $ 171,583 | $ 103,833 |
| Chicago-Naperville-Joliet, IL | 11 | $ 2,255,000 | $ 205,000 | $ 133,000 |
| Orlando-Kissimmee, FL | 11 | $ 1,432,000 | $ 130,181 | $ 62,000 |
| Wilmington, DE-MD-NJ | 11 | $ 1,687,000 | $ 153,363 | $ 128,272 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 1,319,000 | $ 131,900 | $ 105,000 |
| Raleigh-Cary, NC | 10 | $ 2,535,000 | $ 253,500 | $ 134,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 1,936,000 | $ 242,000 | $ 210,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 3,330,000 | $ 416,250 | $ 212,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,206,000 | $ 150,750 | $ 128,000 |
| Barnstable Town, MA | 6 | $ 1,394,000 | $ 232,333 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 3,304,000 | $ 550,666 | $ 175,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,400,000 | $ 233,333 | $ 111,666 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 1,723,000 | $ 287,166 | $ 148,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 801,000 | $ 160,200 | $ 56,000 |
| Boston-Quincy, MA | 5 | $ 1,393,000 | $ 278,600 | $ 134,000 |
| Boulder, CO | 5 | $ 863,000 | $ 172,600 | $ 111,000 |
| Bradenton-Sarasota-Venice, FL | 5 | $ 1,079,000 | $ 215,800 | $ 89,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 434,000 | $ 86,800 | $ 109,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,183,000 | $ 236,600 | $ 129,000 |
| Louisville-Jefferson County, KY-IN | 5 | $ 874,000 | $ 174,800 | $ 100,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,515,000 | $ 303,000 | $ 118,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 3,055,000 | $ 611,000 | $ 215,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 483,000 | $ 96,600 | $ 103,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,231,000 | $ 246,200 | $ 111,000 |
| Bethesda-Frederick-Rockville, MD | 4 | $ 2,020,000 | $ 505,000 | $ 209,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 405,000 | $ 101,250 | $ 81,000 |
| Jacksonville, FL | 4 | $ 1,607,000 | $ 401,750 | $ 285,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 888,000 | $ 222,000 | $ 96,000 |
| St. Louis, MO-IL | 4 | $ 713,000 | $ 178,250 | $ 79,000 |
| Glens Falls, NY | 3 | $ 255,000 | $ 85,000 | $ 245,000 |
| New Haven-Milford, CT | 3 | $ 861,000 | $ 287,000 | $ 114,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 587,000 | $ 195,666 | $ 74,000 |
| Ocean City, NJ | 3 | $ 803,000 | $ 267,666 | $ 164,000 |
| Peabody, MA | 3 | $ 608,000 | $ 202,666 | $ 132,000 |
| Pittsburgh, PA | 3 | $ 180,000 | $ 60,000 | $ 103,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 890,000 | $ 296,666 | $ 149,000 |
| Wilmington, NC | 3 | $ 1,042,000 | $ 347,333 | $ 145,000 |
| Winchester, VA-WV | 3 | $ 100,000 | $ 33,333 | $ 41,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 703,000 | $ 351,500 | $ 193,000 |
| Asheville, NC | 2 | $ 706,000 | $ 353,000 | $ 125,000 |
| Baltimore-Towson, MD | 2 | $ 366,000 | $ 183,000 | $ 99,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 193,000 | $ 96,500 | $ 102,000 |
| Canton-Massillon, OH | 2 | $ 22,000 | $ 11,000 | $ 104,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 206,000 | $ 103,000 | $ 42,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 465,000 | $ 232,500 | $ 105,000 |
| Colorado Springs, CO | 2 | $ 976,000 | $ 488,000 | $ 161,000 |
| Durham-Chapel Hill, NC | 2 | $ 982,000 | $ 491,000 | $ 118,000 |
| Grand Junction, CO | 2 | $ 283,000 | $ 141,500 | $ 34,000 |
| Harrisburg-Carlisle, PA | 2 | $ 620,000 | $ 310,000 | $ 141,000 |
| Indianapolis-Carmel, IN | 2 | $ 190,000 | $ 95,000 | $ 139,000 |
| Knoxville, TN | 2 | $ 183,000 | $ 91,500 | $ 164,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 294,000 | $ 147,000 | $ 229,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 20,000 | $ 10,000 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 392,000 | $ 196,000 | $ 103,000 |
| Palm Coast, FL | 2 | $ 558,000 | $ 279,000 | $ 71,000 |
| Punta Gorda, FL | 2 | $ 264,000 | $ 132,000 | $ 126,000 |
| Reading, PA | 2 | $ 98,000 | $ 49,000 | $ 100,000 |
| Richmond, VA | 2 | $ 634,000 | $ 317,000 | $ 167,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 801,000 | $ 400,500 | $ 167,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 78,000 | $ 39,000 | $ 141,000 |
| Santa Fe, NM | 2 | $ 273,000 | $ 136,500 | $ 114,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 133,000 | $ 66,500 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,390,000 | $ 695,000 | $ 268,000 |
| St. Cloud, MN | 2 | $ 106,000 | $ 53,000 | $ 118,000 |
| Tucson, AZ | 2 | $ 478,000 | $ 239,000 | $ 99,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 391,000 | $ 195,500 | $ 107,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 303,000 | $ 151,500 | $ 102,000 |
| Worcester, MA | 2 | $ 395,000 | $ 197,500 | $ 91,000 |
| Bremerton-Silverdale, WA | 1 | $ 339,000 | $ 339,000 | $ 77,000 |
| Burlington-South Burlington, VT | 1 | $ 466,000 | $ 466,000 | $ 180,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Charlottesville, VA | 1 | $ 150,000 | $ 150,000 | $ 146,000 |
| Columbia, SC | 1 | $ 225,000 | $ 225,000 | $ 269,000 |
| Columbus, OH | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| Dallas-Plano-Irving, TX | 1 | $ 213,000 | $ 213,000 | $ 70,000 |
| Dayton, OH | 1 | $ 208,000 | $ 208,000 | $ 109,000 |
| Dover, DE | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Erie, PA | 1 | $ 210,000 | $ 210,000 | $ 140,000 |
| Green Bay, WI | 1 | $ 15,000 | $ 15,000 | $ 133,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 168,000 | $ 168,000 | $ 186,000 |
| Honolulu, HI | 1 | $ 560,000 | $ 560,000 | $ 162,000 |
| Kingston, NY | 1 | $ 90,000 | $ 90,000 | $ 53,000 |
| Lakeland-Winter Haven, FL | 1 | $ 266,000 | $ 266,000 | $ 107,000 |
| Lancaster, PA | 1 | $ 139,000 | $ 139,000 | $ 81,000 |
| Lansing-East Lansing, MI | 1 | $ 25,000 | $ 25,000 | $ 234,000 |
| Las Cruces, NM | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Las Vegas-Paradise, NV | 1 | $ 74,000 | $ 74,000 | $ 21,000 |
| Lima, OH | 1 | $ 296,000 | $ 296,000 | $ 129,000 |
| Madison, WI | 1 | $ 160,000 | $ 160,000 | $ 130,000 |
| Manchester-Nashua, NH | 1 | $ 164,000 | $ 164,000 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 660,000 | $ 660,000 | $ 275,000 |
| Muncie, IN | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 276,000 | $ 276,000 | $ 102,000 |
| Ocala, FL | 1 | $ 77,000 | $ 77,000 | $ 20,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 235,000 | $ 235,000 | $ 182,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 1,980,000 | $ 1,980,000 | $ 0 |
| Prescott, AZ | 1 | $ 169,000 | $ 169,000 | $ 57,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 250,000 | $ 250,000 | $ 115,000 |
| Rockingham County-Strafford County, NH | 1 | $ 80,000 | $ 80,000 | $ 110,000 |
| San Antonio, TX | 1 | $ 176,000 | $ 176,000 | $ 117,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Springfield, MO | 1 | $ 42,000 | $ 42,000 | $ 28,000 |
| Waco, TX | 1 | $ 112,000 | $ 112,000 | $ 125,000 |
| Winston-Salem, NC | 1 | $ 197,000 | $ 197,000 | $ 42,000 |
| York-Hanover, PA | 1 | $ 19,000 | $ 19,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Affinity Federal Credit Union in 2009
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 | 2,815 | $615,041,000 | $218,000 | $3,690,000 | $138,000 | $5,486,000 |
| Home Improvement | 405 | $29,923,000 | $73,000 | $750,000 | $148,000 | $4,133,000 |
| Home Purchase | 294 | $84,462,000 | $287,000 | $2,000,000 | $132,000 | $1,712,000 |
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 | 2,490 | $504,732,000 | $202,000 | $3,000,000 | $139,000 | $5,486,000 |
| Asian | 339 | $90,205,000 | $266,000 | $3,690,000 | $151,000 | $689,000 |
| Not Provided | 312 | $59,024,000 | $189,000 | $1,195,000 | $133,000 | $629,000 |
| Black or African American | 212 | $41,904,000 | $197,000 | $1,016,000 | $136,000 | $5,141,000 |
| Hispanic | 132 | $25,242,000 | $191,000 | $548,000 | $132,000 | $1,417,000 |
| Not applicable | 13 | $5,479,000 | $421,000 | $2,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $1,458,000 | $162,000 | $523,000 | $152,000 | $269,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,382,000 | $197,000 | $304,000 | $142,000 | $248,000 |
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) | 3,514 | $729,426,000 | $207,000 | $3,690,000 | $138,000 | $5,486,000 |
| 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 | 1,992 | $414,696,000 | $208,000 | $2,000,000 | $134,000 | $1,712,000 |
| Application Withdrawn By Applicant | 876 | $200,989,000 | $229,000 | $3,000,000 | $155,000 | $5,486,000 |
| Application Denied By Financial Institution | 644 | $113,252,000 | $175,000 | $3,690,000 | $130,000 | $5,141,000 |
| File Closed For Incompleteness | 2 | $489,000 | $244,000 | $324,000 | $160,000 | $170,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 322 | $60,883,000 | $189,000 | $3,690,000 | $92,000 | $750,000 |
| Collateral | 231 | $36,485,000 | $157,000 | $915,000 | $186,000 | $5,141,000 |
| Credit History | 59 | $9,130,000 | $154,000 | $570,000 | $125,000 | $800,000 |
| Unverifiable Information | 3 | $522,000 | $174,000 | $290,000 | $77,000 | $132,000 |
| Employment History | 3 | $530,000 | $176,000 | $450,000 | $149,000 | $251,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2009 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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