Affinity Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, Affinity Federal Credit Union of Basking Ridge, NJ reported 1,183 mortgage applications totaling $248.2 million, down 31% from 2012. The average application was for $209,808, and applicants reported an average income of $133,551. 71% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Edison-New Brunswick, NJ (432), Newark-Union, NJ-PA (372) and New York-White Plains-Wayne, NY-NJ (74) (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 | 1,183 |
| Total Mortgage Loan Application Amount | $248,203,000 |
| Average Mortgage Loan Application Amount | $209,808 |
| Highest Mortgage Loan Application Amount | $1,550,000 |
| Average Applicant Income | $133,551 |
| Highest Applicant Income | $4,225,000 |
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records Affinity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 432 | $ 90,173,000 | $ 208,733 | $ 127,000 |
| Newark-Union, NJ-PA | 372 | $ 77,425,000 | $ 208,131 | $ 137,752 |
| New York-White Plains-Wayne, NY-NJ | 74 | $ 20,162,000 | $ 272,459 | $ 211,148 |
| Allentown-Bethlehem-Easton, PA-NJ | 46 | $ 7,387,000 | $ 160,586 | $ 102,913 |
| Philadelphia, PA | 18 | $ 3,780,000 | $ 210,000 | $ 111,000 |
| Trenton-Ewing, NJ | 16 | $ 3,280,000 | $ 205,000 | $ 126,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 5,985,000 | $ 374,062 | $ 131,250 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 2,644,000 | $ 188,857 | $ 165,000 |
| Camden, NJ | 12 | $ 2,368,000 | $ 197,333 | $ 129,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 784,000 | $ 98,000 | $ 66,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 707,000 | $ 141,400 | $ 85,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 2,781,000 | $ 556,200 | $ 262,000 |
| Nassau-Suffolk, NY | 5 | $ 1,272,000 | $ 254,400 | $ 117,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 809,000 | $ 161,800 | $ 141,000 |
| Phoenix-Mesa-Glendale, AZ | 5 | $ 862,000 | $ 172,400 | $ 92,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 5 | $ 957,000 | $ 191,400 | $ 76,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,146,000 | $ 286,500 | $ 130,000 |
| Dallas-Plano-Irving, TX | 4 | $ 648,000 | $ 162,000 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,166,000 | $ 291,500 | $ 165,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,313,000 | $ 328,250 | $ 137,000 |
| Ocean City, NJ | 4 | $ 834,000 | $ 208,500 | $ 136,000 |
| Wilmington, DE-MD-NJ | 4 | $ 776,000 | $ 194,000 | $ 220,000 |
| Boston-Quincy, MA | 3 | $ 968,000 | $ 322,666 | $ 141,000 |
| Charleston-North Charleston-Summerville, SC | 3 | $ 568,000 | $ 189,333 | $ 114,000 |
| Chicago-Joliet-Naperville, IL | 3 | $ 259,000 | $ 86,333 | $ 69,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 932,000 | $ 310,666 | $ 111,000 |
| Raleigh-Cary, NC | 3 | $ 647,000 | $ 215,666 | $ 78,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 364,000 | $ 121,333 | $ 106,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 221,000 | $ 110,500 | $ 48,000 |
| Baltimore-Towson, MD | 2 | $ 483,000 | $ 241,500 | $ 186,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 20,000 | $ 10,000 | $ 56,000 |
| Birmingham-Hoover, AL | 2 | $ 512,000 | $ 256,000 | $ 235,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 467,000 | $ 233,500 | $ 145,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 557,000 | $ 278,500 | $ 331,000 |
| Columbus, OH | 2 | $ 387,000 | $ 193,500 | $ 79,000 |
| Durham-Chapel Hill, NC | 2 | $ 373,000 | $ 186,500 | $ 84,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 404,000 | $ 202,000 | $ 112,000 |
| Las Vegas-Paradise, NV | 2 | $ 404,000 | $ 202,000 | $ 50,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 130,000 | $ 65,000 | $ 89,000 |
| Port St. Lucie, FL | 2 | $ 94,000 | $ 47,000 | $ 63,000 |
| Rockingham County-Strafford County, NH | 2 | $ 370,000 | $ 185,000 | $ 194,000 |
| State College, PA | 2 | $ 597,000 | $ 298,500 | $ 144,000 |
| Tucson, AZ | 2 | $ 282,000 | $ 141,000 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 170,000 | $ 85,000 | $ 104,000 |
| Albuquerque, NM | 1 | $ 99,000 | $ 99,000 | $ 75,000 |
| Asheville, NC | 1 | $ 168,000 | $ 168,000 | $ 99,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 235,000 | $ 235,000 | $ 246,000 |
| Barnstable Town, MA | 1 | $ 361,000 | $ 361,000 | $ 79,000 |
| Boulder, CO | 1 | $ 133,000 | $ 133,000 | $ 90,000 |
| Canton-Massillon, OH | 1 | $ 156,000 | $ 156,000 | $ 141,000 |
| Charlottesville, VA | 1 | $ 150,000 | $ 150,000 | $ 88,000 |
| Columbia, SC | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Des Moines-West Des Moines, IA | 1 | $ 50,000 | $ 50,000 | $ 28,000 |
| Fort Worth-Arlington, TX | 1 | $ 70,000 | $ 70,000 | $ 97,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 142,000 | $ 142,000 | $ 59,000 |
| Harrisburg-Carlisle, PA | 1 | $ 117,000 | $ 117,000 | $ 66,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Indianapolis-Carmel, IN | 1 | $ 150,000 | $ 150,000 | $ 150,000 |
| Jacksonville, FL | 1 | $ 50,000 | $ 50,000 | $ 130,000 |
| Knoxville, TN | 1 | $ 155,000 | $ 155,000 | $ 250,000 |
| Lancaster, PA | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 270,000 | $ 270,000 | $ 138,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 293,000 | $ 293,000 | $ 140,000 |
| Madison, WI | 1 | $ 25,000 | $ 25,000 | $ 213,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 168,000 | $ 168,000 | $ 113,000 |
| Muncie, IN | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Naples-Marco Island, FL | 1 | $ 156,000 | $ 156,000 | $ 47,000 |
| Ocala, FL | 1 | $ 20,000 | $ 20,000 | $ 89,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 320,000 | $ 320,000 | $ 195,000 |
| Pascagoula, MS | 1 | $ 295,000 | $ 295,000 | $ 199,000 |
| Peabody, MA | 1 | $ 384,000 | $ 384,000 | $ 134,000 |
| Pittsburgh, PA | 1 | $ 96,000 | $ 96,000 | $ 57,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 301,000 | $ 301,000 | $ 114,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 190,000 | $ 190,000 | $ 170,000 |
| Richmond, VA | 1 | $ 656,000 | $ 656,000 | $ 239,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 110,000 | $ 110,000 | $ 56,000 |
| Rochester, NY | 1 | $ 150,000 | $ 150,000 | $ 119,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 100,000 | $ 100,000 | $ 239,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 200,000 | $ 200,000 | $ 152,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 500,000 | $ 500,000 | $ 188,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 244,000 | $ 244,000 | $ 110,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 80,000 | $ 80,000 | $ 139,000 |
| Worcester, MA | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Affinity Federal Credit Union in 2013
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 | 717 | $175,337,000 | $244,000 | $1,550,000 | $129,000 | $709,000 |
| Home Purchase | 235 | $58,242,000 | $247,000 | $1,200,000 | $147,000 | $4,225,000 |
| Home Improvement | 231 | $14,624,000 | $63,000 | $900,000 | $134,000 | $573,000 |
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 | 819 | $169,963,000 | $207,000 | $1,550,000 | $132,000 | $950,000 |
| Not Provided | 125 | $23,399,000 | $187,000 | $690,000 | $169,000 | $4,225,000 |
| Asian | 96 | $24,334,000 | $253,000 | $1,200,000 | $154,000 | $642,000 |
| Black or African American | 84 | $18,135,000 | $215,000 | $600,000 | $95,000 | $282,000 |
| Hispanic | 49 | $10,189,000 | $207,000 | $716,000 | $117,000 | $288,000 |
| American Indian or Alaskan Native | 4 | $77,000 | $19,000 | $29,000 | $51,000 | $105,000 |
| Not applicable | 4 | $2,051,000 | $512,000 | $967,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $55,000 | $27,000 | $45,000 | $92,000 | $120,000 |
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) | 1,182 | $248,053,000 | $209,000 | $1,550,000 | $133,000 | $4,225,000 |
| FHA-insured (Federal Housing Administration) | 1 | $150,000 | $150,000 | $150,000 | $71,000 | $71,000 |
| 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 | 839 | $181,559,000 | $216,000 | $1,475,000 | $133,000 | $709,000 |
| Application Denied By Financial Institution | 160 | $24,491,000 | $153,000 | $875,000 | $95,000 | $400,000 |
| Application Withdrawn By Applicant | 101 | $22,822,000 | $225,000 | $900,000 | $178,000 | $4,225,000 |
| Application Approved But Not Accepted | 47 | $10,177,000 | $216,000 | $575,000 | $134,000 | $364,000 |
| File Closed For Incompleteness | 36 | $9,154,000 | $254,000 | $1,550,000 | $183,000 | $601,000 |
| 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 | 71 | $11,487,000 | $161,000 | $875,000 | $123,000 | $400,000 |
| Debt-To-Income Ratio | 59 | $9,695,000 | $164,000 | $600,000 | $69,000 | $253,000 |
| Credit History | 26 | $2,381,000 | $91,000 | $362,000 | $80,000 | $168,000 |
| Unverifiable Information | 2 | $654,000 | $327,000 | $500,000 | $111,000 | $163,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Affinity Federal Credit Union's 2013 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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