What loan types does Affinity Plus offer?

Affinity Plus offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 56.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Affinity Plus?

Affinity Plus is a Credit Union headquartered in Saint Paul, MN.

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Affinity Plus

Credit Union•Saint Paul, MNHQ•Direct•Reviews 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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Affinity Plus performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 0.9 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

570 loans · 0.01% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

421 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

Refinance

156 loans · 0.11% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 6 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

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%Below	$2,248Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	421	73.0%	-0.052%Below	$2,598Fees
Refinance	Sound	Strong	Sound	Acceptable	156	27.0%	+0.109%Above	$1,318Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest3

MNNDWI

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 300Mix 51.99% of portfolio

79/100

Strong

Duluth, MN, MN-WIMetro

Volume 33Mix 5.72% of portfolio

59/100

Sound

Rochester, MNMetro

Volume 20Mix 3.47% of portfolio

54/100

Sound

St. Cloud, MNMetro

Volume 16Mix 2.77% of portfolio

51/100

Sound

Fargo, ND, ND-MNMetro

Volume 11Mix 1.91% of portfolio

44/100

Sound

Top States by Place Specialization Score

MinnesotaState

Volume 552Mix 95.67% of portfolio

84/100

Exceptional

WisconsinState

Volume 20Mix 3.47% of portfolio

46/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.