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Affinity Plus Federal Credit Union in Minnesota

HMDA record for properties in Minnesota, calendar year 2024. National record · Minnesota overview

LEI 549300NL3JN3ABDPH257
Reporting agency National Credit Union Administration
State Minnesota

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Affinity Plus Federal Credit Union's 2024 HMDA record for Minnesota covers 5,030 applications, 3,468 of them originated, worth $337m.

Its denial rate in the state was 17.4%, close to the Minnesota rate of 16.9% across all lenders and compared with the lender's national rate of 17.3%.

The median rate spread on its Minnesota originations was 0.3 percentage points (state median 0.4).

Applications in the state were about level with 2023.

5,030applications in MN, 202496.2% of the lender's total
3,468loans originated$337m
17.4%denial rateMN all lenders 16.9%
0.3 ppmedian rate spreadMN 0.4 pp

Compared with the state and the lender's national record

MeasureIn MinnesotaMinnesota, all lendersAffinity Plus Federal Credit Union, all statesUnited States
Denial rate17.4%16.9%17.3%24.3%
Median rate spread, pp0.30.40.30.3
Originations with spread of 1.5 pp or more14.8%13.2%14.7%15.6%
Average originated loan$97k$269k$97k$329k
Home purchase share12.2%60.9%12.4%57.0%
FHA-insured share0.0%7.9%0.0%13.4%
VA-guaranteed share0.1%4.6%0.1%7.9%

Trend by year

ApplicationsOriginations

03274.56,5492022: 6,549 Applications2023: 5,151 Applications2024: 5,030 Applications2022: 4,226 Originations2023: 3,552 Originations2024: 3,468 Originations202220232024
Affinity Plus Federal Credit Union in Minnesota: applications and originations, 2022–2024

This lender in stateMinnesota, all lenders

0%8.7%17.4%2022: 15% This lender in state2023: 16.1% This lender in state2024: 17.4% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Minnesota

By purpose

Home purchase 12% (422)Home improvement 45% (1,558)Refinancing 14% (487)Cash-out refinancing 2% (60)Other purpose 27% (941)

By type

Conventional 100% (3,466)VA 0% (2)

Denial reasons as coded

Debt-to-income ratio61%
Credit history22.8%
Collateral14.5%
Employment history1.2%
Insufficient cash (downpayment, closing costs)0.3%
Unverifiable information0.3%
Credit application incomplete0%
Mortgage insurance denied0%
Other0%

Share of 747 denials in Minnesota by first denial reason coded (outlined bar: all lenders in the state).

Counties in Minnesota

CountyApplicationsOriginationsAmountDenial rate
Hennepin County730453$54m18.9%
Ramsey County535368$40m16.8%
Dakota County447317$33m16.8%
Anoka County380262$26m17.8%
Itasca County285221$17m12.2%
Washington County274187$18m16.4%
Beltrami County178134$11m15.0%
St. Louis County189129$11m18.0%
Olmsted County147106$11m13.1%
Isanti County15999$8.2m23.1%
Otter Tail County11989$5.8m15.2%
Crow Wing County11586$9.2m13.1%
Wright County11385$8.8m11.3%
Rice County10078$6.4m12.9%
Scott County10573$6.6m16.7%
Sherburne County10072$6.8m12.2%
Chisago County9869$6.9m17.2%
Stearns County8760$5.3m17.1%
Cass County5537$4.2m24.0%
Clay County4937$2.8m13.6%
Blue Earth County4734$2.6m14.6%
Winona County4130$1.5m18.4%
Carver County4528$3.3m18.9%
Le Sueur County3628$2.4m3.1%
Goodhue County4527$2.9m25.0%
Hubbard County3827$2.6m9.4%
Douglas County3323$1.5m20.7%
Benton County3422$1.7m25.8%
Clearwater County3420$1.2m37.5%
Pine County3019$1.3m20.0%
Carlton County2619$2.2m—
Mille Lacs County2716$1.4m32.0%
Morrison County2514$1.9m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Affinity Plus Federal Credit Union originate in Minnesota in 2024?

3,468 loans totalling $337m, from 5,030 applications reported for properties in Minnesota.

What is Affinity Plus Federal Credit Union's denial rate in Minnesota?

17.4% of decided applications in Minnesota were denied, against 16.9% for all lenders in the state and 17.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Minnesota counties does Affinity Plus Federal Credit Union lend in most?

By originations: Hennepin County (453), Ramsey County (368), Dakota County (317), Anoka County (262), Itasca County (221).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Minnesota. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.