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Affinity Plus

Credit UnionSaint Paul, MNHQDirectReviews near you on Google

We analyzed every closed loan from Affinity Plus 577 loans across 992 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 5 mkts

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Report Card

Affinity Plus performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 0.9 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume570
Mix98.8%
Spread
-0.010%Below
Fees
$2,248Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume421
Mix73.0%
Spread
-0.052%Below
Fees
$2,598Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Acceptable
Volume156
Mix27.0%
Spread
+0.109%Above
Fees
$1,318Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
577
Applications
992
Volume
$148 million
Pricing & Closing
Avg Rate Spread
-0.009%
vs. market APOR
Avg Net Fees
$2,258
Origination − Credits
Pullthrough Rate
58.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$257,877
Avg Borrower Income
$121,763
Avg Property Value
$374,983

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
MNNDWI

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 300Mix 51.99% of portfolio
79/100
Strong
2© ENN · CC BY-SA 3.0
Duluth, MN, MN-WIMetro
Volume 33Mix 5.72% of portfolio
59/100
Sound
Volume 20Mix 3.47% of portfolio
54/100
Sound
4© McGhiever · CC BY-SA 3.0
St. Cloud, MNMetro
Volume 16Mix 2.77% of portfolio
51/100
Sound
5© Ron Reiring · CC BY 2.0
Fargo, ND, ND-MNMetro
Volume 11Mix 1.91% of portfolio
44/100
Sound

Top States by Place Specialization Score

Minnesota
Minnesota
1
MinnesotaState
Volume 552Mix 95.67% of portfolio
84/100
Exceptional
Wisconsin
Wisconsin
2
WisconsinState
Volume 20Mix 3.47% of portfolio
46/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.