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AFFINITY PLUS
Credit Union|Saint Paul, MN|Regional
Loans Originated
577
Applications
992
Volume
$148 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
-0.009%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,258
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
58.2%
Percentage of applications that result in closed loans
Report Card
AFFINITY PLUS performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 6 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$257,877
Average Borrower Income
$121,763
Average Property Value
$374,983
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 570 | 98.8% | -0.010% | $2,248 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 421 | 73.0% | -0.052% | $2,598 |
Refinance | Sound | Strong | Sound | Acceptable | 156 | 27.0% | +0.109% | $1,318 |
Geographic Coverage
Metro Areas
5
States Served
3
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
MNNDWI
Top Metro Areas by Place Specialization Score
1
Minneapolis, MN-WIMSA
Volume: 300Mix: 51.99%
Place Specialization
Strong
2
Duluth, MN, MN-WIMSA
Volume: 33Mix: 5.72%
Place Specialization
Sound
3
Rochester, MN, MNMSA
Volume: 20Mix: 3.47%
Place Specialization
Sound
4
St. Cloud, MN, MNMSA
Volume: 16Mix: 2.77%
Place Specialization
Sound
5
Fargo, ND, ND-MNMSA
Volume: 11Mix: 1.91%
Place Specialization
Sound
Top States by Place Specialization Score
1
MNState
Volume: 552Mix: 95.67%
Place Specialization
Exceptional
2
WIState
Volume: 20Mix: 3.47%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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