# AFFINITY

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

> **📋 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 is a credit union, headquartered in Basking Ridge, NJ, serving borrowers across 16 states, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004UNRG4PWDF2K60
- **Headquarters:** Basking Ridge, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AR, CA, CT, DE, FL, GA, MA, MD, NC, NJ, NV, NY, PA, SC, TX, VA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.348%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,209
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $57 million
- **Applications Received:** 235
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $393,345
- **Average Borrower Income:** $198,159

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 139 | +0.353% | $1,135 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 36/100 (Acceptable)
- Refinance: 27 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 117 | $48M | +0.334% | Acceptable 🙂 |
| Refinance | 35/100 | 28 | $9M | +0.405% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 97 | 0.11% | 71/100 |
| PA | 11 | 0.01% | 42/100 |
| FL | 10 | 0.00% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lakewood | NJ | 39 | 63/100 |
| Newark, NJ | NJ | 39 | 65/100 |
| Allentown | PA-NJ | 10 | 45/100 |

## Frequently Asked Questions

### What loan types does AFFINITY offer?

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

### Where does AFFINITY offer mortgages?

AFFINITY offers mortgages in 16 states: AR, CA, CT, DE, FL, GA, MA, MD, NC, NJ, NV, NY, PA, SC, TX, VA.

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

AFFINITY has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.348% above market average.

### What type of lender is AFFINITY?

AFFINITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Basking Ridge, NJ.

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

AFFINITY has a pull-through score of 30/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/affinity

### How to Cite

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

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