Affinity Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Affinity Federal Credit Union of Basking Ridge, NJ reported 3,002 mortgage applications totaling $561.5 million, up 127% from 2017. The average application was for $187,055, and applicants reported an average income of $138,577. 57% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Newark, NJ-PA (1,322), New York-Jersey City-White Plains, NY-NJ (935) and Allentown-Bethlehem-Easton, PA-NJ (93) (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 | 3,002 |
| Total Mortgage Loan Application Amount | $561,540,000 |
| Average Mortgage Loan Application Amount | $187,055 |
| Highest Mortgage Loan Application Amount | $7,805,000 |
| Average Applicant Income | $138,577 |
| Highest Applicant Income | $3,900,000 |
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records Affinity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Newark, NJ-PA | 1,322 | $ 237,320,000 | $ 179,515 | $ 137,624 |
| New York-Jersey City-White Plains, NY-NJ | 935 | $ 181,335,000 | $ 193,941 | $ 144,142 |
| Allentown-Bethlehem-Easton, PA-NJ | 93 | $ 10,855,000 | $ 116,720 | $ 110,000 |
| Outside any metro area | 44 | $ 6,560,000 | $ 149,090 | $ 126,750 |
| Atlanta-Sandy Springs-Roswell, GA | 41 | $ 7,585,000 | $ 185,000 | $ 116,000 |
| Trenton, NJ | 36 | $ 6,400,000 | $ 177,777 | $ 158,000 |
| Bridgeport-Stamford-Norwalk, CT | 29 | $ 5,365,000 | $ 185,000 | $ 151,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 29 | $ 12,545,000 | $ 432,586 | $ 214,310 |
| Camden, NJ | 27 | $ 5,285,000 | $ 195,740 | $ 140,000 |
| Montgomery County-Bucks County-Chester County, PA | 25 | $ 4,655,000 | $ 186,200 | $ 120,000 |
| Dallas-Plano-Irving, TX | 21 | $ 6,475,000 | $ 308,333 | $ 158,000 |
| Nassau County-Suffolk County, NY | 19 | $ 4,475,000 | $ 235,526 | $ 120,000 |
| East Stroudsburg, PA | 18 | $ 1,920,000 | $ 106,666 | $ 102,000 |
| New Haven-Milford, CT | 16 | $ 2,660,000 | $ 166,250 | $ 93,000 |
| Denver-Aurora-Lakewood, CO | 13 | $ 3,335,000 | $ 256,538 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 13 | $ 1,545,000 | $ 118,846 | $ 119,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 2,825,000 | $ 217,307 | $ 198,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 1,810,000 | $ 150,833 | $ 109,000 |
| Orlando-Kissimmee-Sanford, FL | 11 | $ 1,025,000 | $ 93,181 | $ 110,000 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 630,000 | $ 63,000 | $ 83,800 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 1,985,000 | $ 220,555 | $ 111,000 |
| Philadelphia, PA | 8 | $ 1,180,000 | $ 147,500 | $ 174,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,785,000 | $ 255,000 | $ 153,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,560,000 | $ 260,000 | $ 245,000 |
| Baltimore-Columbia-Towson, MD | 6 | $ 940,000 | $ 156,666 | $ 148,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 470,000 | $ 78,333 | $ 71,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 690,000 | $ 115,000 | $ 133,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,110,000 | $ 185,000 | $ 124,666 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,290,000 | $ 215,000 | $ 108,000 |
| Silver Spring-Frederick-Rockville, MD | 6 | $ 2,400,000 | $ 400,000 | $ 114,000 |
| Austin-Round Rock, TX | 5 | $ 1,035,000 | $ 207,000 | $ 111,000 |
| Chicago-Naperville-Arlington Heights, IL | 5 | $ 1,225,000 | $ 245,000 | $ 165,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 875,000 | $ 175,000 | $ 98,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 355,000 | $ 71,000 | $ 56,000 |
| Raleigh, NC | 5 | $ 1,295,000 | $ 259,000 | $ 289,000 |
| The Villages, FL | 5 | $ 655,000 | $ 131,000 | $ 75,000 |
| Wilmington, DE-MD-NJ | 5 | $ 735,000 | $ 147,000 | $ 105,000 |
| Boston, MA | 4 | $ 2,120,000 | $ 530,000 | $ 231,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,160,000 | $ 290,000 | $ 378,000 |
| Cleveland-Elyria, OH | 4 | $ 320,000 | $ 80,000 | $ 57,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,020,000 | $ 255,000 | $ 153,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,480,000 | $ 370,000 | $ 285,000 |
| Salisbury, MD-DE | 4 | $ 520,000 | $ 130,000 | $ 66,250 |
| San Diego-Carlsbad, CA | 4 | $ 1,420,000 | $ 355,000 | $ 163,000 |
| Albuquerque, NM | 3 | $ 695,000 | $ 231,666 | $ 90,000 |
| Columbus, OH | 3 | $ 995,000 | $ 331,666 | $ 124,000 |
| Durham-Chapel Hill, NC | 3 | $ 75,000 | $ 25,000 | $ 101,000 |
| Dutchess County-Putnam County, NY | 3 | $ 225,000 | $ 75,000 | $ 77,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 585,000 | $ 195,000 | $ 117,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 855,000 | $ 285,000 | $ 170,000 |
| Jacksonville, FL | 3 | $ 825,000 | $ 275,000 | $ 162,000 |
| Memphis, TN-MS-AR | 3 | $ 505,000 | $ 168,333 | $ 103,000 |
| Pittsburgh, PA | 3 | $ 215,000 | $ 71,666 | $ 96,000 |
| Rockingham County-Strafford County, NH | 3 | $ 705,000 | $ 235,000 | $ 142,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 3,015,000 | $ 1,005,000 | $ 313,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 85,000 | $ 28,333 | $ 62,000 |
| Ann Arbor, MI | 2 | $ 60,000 | $ 30,000 | $ 106,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 130,000 | $ 65,000 | $ 66,000 |
| Birmingham-Hoover, AL | 2 | $ 910,000 | $ 455,000 | $ 126,000 |
| Boulder, CO | 2 | $ 490,000 | $ 245,000 | $ 93,000 |
| Canton-Massillon, OH | 2 | $ 110,000 | $ 55,000 | $ 58,000 |
| Cincinnati, OH-KY-IN | 2 | $ 560,000 | $ 280,000 | $ 133,500 |
| Columbia, SC | 2 | $ 130,000 | $ 65,000 | $ 69,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Florence, SC | 2 | $ 430,000 | $ 215,000 | $ 202,000 |
| Gainesville, FL | 2 | $ 280,000 | $ 140,000 | $ 102,000 |
| Gary, IN | 2 | $ 210,000 | $ 105,000 | $ 74,000 |
| Harrisburg-Carlisle, PA | 2 | $ 260,000 | $ 130,000 | $ 162,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 340,000 | $ 170,000 | $ 266,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 50,000 | $ 25,000 | $ 60,000 |
| Knoxville, TN | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Manchester-Nashua, NH | 2 | $ 520,000 | $ 260,000 | $ 71,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 350,000 | $ 175,000 | $ 128,000 |
| Ocala, FL | 2 | $ 150,000 | $ 75,000 | $ 139,000 |
| Ocean City, NJ | 2 | $ 390,000 | $ 195,000 | $ 297,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 430,000 | $ 215,000 | $ 143,000 |
| Panama City, FL | 2 | $ 1,710,000 | $ 855,000 | $ 402,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 260,000 | $ 130,000 | $ 59,000 |
| Port St. Lucie, FL | 2 | $ 320,000 | $ 160,000 | $ 156,000 |
| Reno, NV | 2 | $ 680,000 | $ 340,000 | $ 194,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,000,000 | $ 500,000 | $ 426,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 100,000 | $ 50,000 | $ 71,000 |
| St. Louis, MO-IL | 2 | $ 800,000 | $ 400,000 | $ 160,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 480,000 | $ 240,000 | $ 225,000 |
| Watertown-Fort Drum, NY | 2 | $ 30,000 | $ 15,000 | $ 41,000 |
| Wilmington, NC | 2 | $ 210,000 | $ 105,000 | $ 106,000 |
| Worcester, MA-CT | 2 | $ 420,000 | $ 210,000 | $ 224,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Barnstable Town, MA | 1 | $ 325,000 | $ 325,000 | $ 265,000 |
| Boise City, ID | 1 | $ 215,000 | $ 215,000 | $ 1,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 345,000 | $ 345,000 | $ 208,000 |
| Charleston-North Charleston, SC | 1 | $ 365,000 | $ 365,000 | $ 187,000 |
| Charlottesville, VA | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Chattanooga, TN-GA | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Chico, CA | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Decatur, IL | 1 | $ 185,000 | $ 185,000 | $ 216,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Fayetteville, NC | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Fort Worth-Arlington, TX | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Greensboro-High Point, NC | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Jackson, MS | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Kingston, NY | 1 | $ 5,000 | $ 5,000 | $ 53,000 |
| Lafayette, LA | 1 | $ 1,305,000 | $ 1,305,000 | $ 550,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Lincoln, NE | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Logan, UT-ID | 1 | $ 265,000 | $ 265,000 | $ 51,000 |
| Lynchburg, VA | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 645,000 | $ 645,000 | $ 230,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 715,000 | $ 715,000 | $ 246,000 |
| Oklahoma City, OK | 1 | $ 115,000 | $ 115,000 | $ 123,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Prescott, AZ | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| Richmond, VA | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Roanoke, VA | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Rochester, NY | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Salinas, CA | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Santa Fe, NM | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Spartanburg, SC | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| St. George, UT | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| State College, PA | 1 | $ 535,000 | $ 535,000 | $ 328,000 |
| Stockton-Lodi, CA | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Syracuse, NY | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Toledo, OH | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Tucson, AZ | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Urban Honolulu, HI | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Utica-Rome, NY | 1 | $ 55,000 | $ 55,000 | $ 117,000 |
| Winston-Salem, NC | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Affinity Federal Credit Union in 2018
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 | 956 | $74,270,000 | $77,000 | $1,005,000 | $132,000 | $3,900,000 |
| Home Purchase | 778 | $258,120,000 | $331,000 | $7,805,000 | $149,000 | $1,140,000 |
| Cash-out Refinancing | 504 | $129,450,000 | $256,000 | $2,485,000 | $150,000 | $2,378,000 |
| Other Purpose | 501 | $36,455,000 | $72,000 | $1,005,000 | $124,000 | $3,187,000 |
| Refinancing | 260 | $62,600,000 | $240,000 | $4,705,000 | $137,000 | $480,000 |
| Not Applicable | 3 | $645,000 | $215,000 | $505,000 | $184,000 | $217,000 |
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 | 1,793 | $309,655,000 | $172,000 | $2,485,000 | $140,000 | $2,378,000 |
| Not Provided | 353 | $68,905,000 | $195,000 | $1,605,000 | $144,000 | $3,900,000 |
| Black or African American | 313 | $42,575,000 | $136,000 | $995,000 | $105,000 | $503,000 |
| Asian | 227 | $61,195,000 | $269,000 | $3,005,000 | $175,000 | $3,187,000 |
| Hispanic | 168 | $22,380,000 | $133,000 | $1,005,000 | $121,000 | $984,000 |
| Not applicable | 29 | $27,595,000 | $951,000 | $7,805,000 | $133,000 | $265,000 |
| American Indian or Alaskan Native | 15 | $3,565,000 | $237,000 | $835,000 | $103,000 | $286,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $660,000 | $82,000 | $175,000 | $103,000 | $150,000 |
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) | 3,002 | $561,540,000 | $187,000 | $7,805,000 | $139,000 | $3,900,000 |
| 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 | 1,710 | $355,790,000 | $208,000 | $7,805,000 | $148,000 | $1,140,000 |
| Application Denied By Financial Institution | 674 | $81,560,000 | $121,000 | $2,485,000 | $107,000 | $804,000 |
| Application Withdrawn By Applicant | 506 | $93,420,000 | $184,000 | $4,705,000 | $150,000 | $3,900,000 |
| File Closed For Incompleteness | 59 | $17,485,000 | $296,000 | $855,000 | $151,000 | $743,000 |
| Application Approved But Not Accepted | 53 | $13,285,000 | $250,000 | $855,000 | $129,000 | $402,000 |
| 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 | 2,328 | $479,980,000 | $206,000 | $7,805,000 | $148,000 | $3,900,000 |
| Debt-To-Income Ratio | 245 | $31,735,000 | $129,000 | $2,485,000 | $74,000 | $313,000 |
| Other | 148 | $13,580,000 | $91,000 | $1,005,000 | $119,000 | $804,000 |
| Credit History | 123 | $15,195,000 | $123,000 | $995,000 | $126,000 | $576,000 |
| Collateral | 63 | $10,355,000 | $164,000 | $705,000 | $148,000 | $528,000 |
| Unverifiable Information | 62 | $5,420,000 | $87,000 | $285,000 | $133,000 | $409,000 |
| Credit Application Incomplete | 15 | $1,425,000 | $95,000 | $505,000 | $128,000 | $307,000 |
| Employment History | 14 | $2,850,000 | $203,000 | $1,005,000 | $93,000 | $400,000 |
| Mortgage Insurance Denied | 3 | $805,000 | $268,000 | $375,000 | $112,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $64,000 | $64,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Affinity Federal Credit Union's 2018 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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