# AFFINITY PLUS

> **Canonical URL:** https://saferate.com/lenders/affinity-plus


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AFFINITY PLUS is a credit union, headquartered in Saint Paul, MN, serving borrowers across 3 states, with 577 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300NL3JN3ABDPH257
- **Headquarters:** Saint Paul, MN
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MN, ND, WI
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.009%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,258
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 577
- **Dollar Volume:** $149 million
- **Applications Received:** 992
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $257,877
- **Average Borrower Income:** $121,763
- **Average Property Value:** $374,983

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 570 | -0.010% | $2,248 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 414 loans, Score: 60/100 (Sound)
- Refinance: 156 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 421 | $119M | -0.052% | Sound ☺️ |
| Refinance | 63/100 | 156 | $30M | +0.109% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 552 | 0.85% | 84/100 |
| WI | 20 | 0.03% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 300 | 79/100 |
| Non |  | 181 | 63/100 |
| Duluth, MN | MN-WI | 33 | 59/100 |
| Rochester, MN | MN | 20 | 54/100 |
| St. Cloud, MN | MN | 16 | 51/100 |
| Fargo, ND | ND-MN | 11 | 44/100 |

## Where This Lender Ranks

AFFINITY PLUS appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Duluth, MN Credit Unions
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Duluth, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Rochester, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rochester-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in St. Cloud, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Minneapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Fargo, ND for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Minnesota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Minneapolis Credit Unions
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions)
- 🏆 **#10** in Minnesota Credit Unions
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions)
- 🏆 **#17** in Duluth, MN
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does AFFINITY PLUS offer?

AFFINITY PLUS offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AFFINITY PLUS offer mortgages?

AFFINITY PLUS offers mortgages in 3 states: MN, ND, WI.

### How competitive are AFFINITY PLUS's mortgage rates?

AFFINITY PLUS has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.009% below market average.

### What type of lender is AFFINITY PLUS?

AFFINITY PLUS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Saint Paul, MN.

### What is AFFINITY PLUS's loan approval success rate?

AFFINITY PLUS has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/affinity-plus

### How to Cite

> "AFFINITY PLUS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/affinity-plus

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