Affinity Mortgage Rates, Fees & Info

Basking Ridge, NJ

LEI: 5493004UNRG4PWDF2K60

Tax ID: 13-5562114

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Affinity is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Affinity has a high proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, Allentown, Washington, and Trenton among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)

Affinity has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Affinity is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.91% 4/28/24
30 Year Conventional Purchase 6.35% 4/28/24
30 Year Conventional Refi 6.20% 4/28/24
30 Year Cash-out Refi 6.55% 4/28/24
15 Year Conventional Purchase 6.00% 4/28/24
15 Year Conventional Refi 5.93% 4/28/24
15 Year Cash-out Refi 5.93% 4/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Affinity Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Affinity. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,960

Origination Dollar Volume (All Markets)

$428,500,000
Show all (8) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,355 $292,705,000 $216,018 $4,320 4.23%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 69 $13,255,000 $192,101 $4,215 4.40%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 57 $9,175,000 $160,965 $3,192 4.05%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 25 $8,385,000 $335,400 $3,995 4.01%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 35 $8,065,000 $230,429 $4,065 4.30%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 15 $5,855,000 $390,333 $4,405 3.56%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 23 $5,185,000 $225,435 $6,302 4.05%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 21 $4,785,000 $227,857 $3,062 4.24%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 14 $4,640,000 $331,429 $4,987 3.95%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $3,355,000 $479,286 $5,640 4.39%
Outside of Metro Areas 13 $3,015,000 $231,923 $3,421 4.20%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $2,805,000 $215,769 $3,890 4.17%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $2,595,000 $519,000 $5,404 3.57%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 17 $2,575,000 $151,471 $5,408 4.06%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $2,445,000 $815,000 $4,466 4.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $2,385,000 $265,000 $6,030 4.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,315,000 $330,714 $4,737 3.44%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 16 $2,290,000 $143,125 $3,173 4.44%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $1,975,000 $395,000 $5,343 5.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,940,000 $970,000 $7,793 5.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 5 $1,805,000 $361,000 $5,524 4.02%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $1,805,000 $164,091 $2,768 4.20%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $1,710,000 $213,750 $6,175 3.10%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $1,685,000 $1,685,000 $7,774 5.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,660,000 $276,667 $3,152 4.18%
SALISBURY, MD-DE (FHA|USDA|VA) 7 $1,625,000 $232,143 $3,421 3.69%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,460,000 $243,333 $4,293 3.54%
EAST STROUDSBURG, PA (FHA|USDA|VA) 12 $1,370,000 $114,167 $3,361 3.84%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $1,255,000 $139,444 $2,561 4.23%
OCEAN CITY, NJ (FHA|USDA|VA) 5 $1,255,000 $251,000 $5,227 4.90%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $1,210,000 $605,000 $2,012 4.13%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,665 3.49%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $1,135,000 $378,333 $3,611 3.46%
FORT COLLINS, CO (FHA|USDA|VA) 2 $1,100,000 $550,000 $5,327 4.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $1,055,000 $211,000 $3,683 4.19%
Easton, MD (FHA|USDA|VA) 2 $1,000,000 $500,000 $3,671 4.31%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $910,000 $455,000 $5,297 4.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $840,000 $210,000 $8,844 3.84%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $825,000 $275,000 $4,169 4.46%
Laconia, NH (FHA|USDA|VA) 2 $820,000 $410,000 $2,852 2.94%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $800,000 $400,000 $1,762 3.75%
READING, PA (FHA|USDA|VA) 5 $795,000 $159,000 $2,407 5.58%
DOVER, DE (FHA|USDA|VA) 4 $780,000 $195,000 $3,772 3.19%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $770,000 $385,000 $4,381 5.06%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $715,000 $238,333 $2,815 5.17%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $710,000 $355,000 $6,067 4.38%
RICHMOND, VA (FHA|USDA|VA) 3 $695,000 $231,667 $4,185 3.37%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $660,000 $330,000 $5,491 3.81%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $655,000 $131,000 $2,476 3.94%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $620,000 $103,333 $0 3.87%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $540,000 $135,000 $0 3.74%
BOISE CITY, ID (FHA|USDA|VA) 2 $530,000 $265,000 $3,725 4.63%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $510,000 $255,000 $2,536 4.37%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $500,000 $250,000 $0 3.24%
SPARTANBURG, SC (FHA|USDA|VA) 1 $465,000 $465,000 $7,834 5.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $465,000 $465,000 $5,873 3.88%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $455,000 $151,667 $0 3.16%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $445,000 $445,000 $2,711 5.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $425,000 $141,667 $2,234 4.46%
DuBois, PA (FHA|USDA|VA) 1 $425,000 $425,000 $9,726 4.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $410,000 $205,000 $2,969 3.75%
SAN ANGELO, TX (FHA|USDA|VA) 1 $385,000 $385,000 $3,858 5.63%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $385,000 $385,000 $2,778 3.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $360,000 $180,000 $0 6.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $340,000 $170,000 $1,385 3.37%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,206 5.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,724 4.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $295,000 $98,333 $1,495 2.99%
WILMINGTON, NC (FHA|USDA|VA) 2 $280,000 $140,000 $1,943 5.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $270,000 $67,500 $0 5.87%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $270,000 $135,000 $2,823 3.37%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $270,000 $135,000 $2,367 2.81%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,005 3.63%
GAINESVILLE, GA (FHA|USDA|VA) 2 $240,000 $120,000 $0 3.24%
SAVANNAH, GA (FHA|USDA|VA) 2 $240,000 $120,000 $4,192 3.93%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,079 5.25%
OCALA, FL (FHA|USDA|VA) 3 $235,000 $78,333 $2,184 2.83%
TULSA, OK (FHA|USDA|VA) 1 $215,000 $215,000 $2,824 6.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $215,000 $215,000 $2,676 4.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $2,807 6.25%
Bozeman, MT (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.99%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.38%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $200,000 $100,000 $0 2.99%
THE VILLAGES, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,178 3.75%
ROANOKE, VA (FHA|USDA|VA) 1 $185,000 $185,000 $3,178 4.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,258 5.38%
COLUMBIA, SC (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.99%
MADISON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,632 5.50%
LANCASTER, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.99%
JACKSON, MS (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.99%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $150,000 $75,000 $2,219 3.43%
Oil City, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,715 5.75%
KINGSTON, NY (FHA|USDA|VA) 1 $135,000 $135,000 $3,099 3.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,188 4.63%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $130,000 $65,000 $0 4.37%
PROVO-OREM, UT (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.99%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,663 3.75%
GLENS FALLS, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
BOULDER, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
GREELEY, CO (FHA|USDA|VA) 1 $105,000 $105,000 $2,158 3.75%
BILLINGS, MT (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $105,000 $105,000 $2,378 5.13%
RENO, NV (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.99%
Bennington, VT (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.99%
Fernley, NV (FHA|USDA|VA) 1 $85,000 $85,000 $0 2.99%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.99%
MOBILE, AL (FHA|USDA|VA) 1 $75,000 $75,000 $2,558 5.25%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.99%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.99%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $75,000 $75,000 $1,749 2.63%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $70,000 $35,000 $2,334 4.56%
Ashtabula, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 2.99%
TUCSON, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 2.99%
ASHEVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
COLUMBUS, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
Astoria, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.99%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $50,000 $25,000 $0 2.99%
Torrington, CT (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $45,000 $45,000 $0 2.99%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 2.99%
COLUMBUS, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 2.99%
CORVALLIS, OR (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.99%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.00%
MANSFIELD, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.25%
JONESBORO, AR (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.50%
Affinity's top markets include New York, Philadelphia, Allentown, Washington, and Trenton among others.

Their top states include:
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,256 $147,030,000 $117,062 n/a 4.21%
    Conventional 704 $281,470,000 $399,815 $4,184 4.18%

    For 2022, Affinity's most frequently originated type of loan was HELOC, with 1,256 originations. Their 2nd most popular type was Conventional, with 704 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 672 $136,240,000 $202,738 $3,115 4.14%
    Home Improvement 539 $55,155,000 $102,328 $0 4.15%
    Home Purchase 481 $190,555,000 $396,164 $4,872 4.38%
    Other 214 $30,440,000 $142,243 $0 4.32%
    Refi 54 $16,110,000 $298,333 $2,636 3.40%

    For 2022, Affinity's most frequently cited loan purpose was Cash Out Refi, with 672 originations. The 2nd most popular reason was Home Improvement, with 539 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,862 $386,200,000 $207,411 $4,360 4.22%
    15 Year 61 $22,785,000 $373,525 $2,975 3.79%
    20 Year 24 $6,030,000 $251,250 $2,825 3.70%
    10 Year 10 $1,520,000 $152,000 $2,269 3.61%
    Other 3 $11,965,000 $3,988,333 $0 7.25%

    For 2022, Affinity's most frequently cited loan duration was 30 Year, with 1,862 originations. The 2nd most popular length was 15 Year, with 61 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 602 $225,880,000 $375,216
    $2k-3k 31 $10,775,000 $347,581
    $1k-2k 25 $6,375,000 $255,000
    $5k+ 15 $10,545,000 $703,000
    $4k-5k 8 $3,940,000 $492,500
    $3k-4k 7 $3,215,000 $459,286

    Affinity's average total fees were $4,360, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 602 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 818 $112,220,000 $137,188
    3-4% 345 $114,735,000 $332,565
    5-6% 304 $67,560,000 $222,237
    4-5% 221 $97,615,000 $441,697
    6-7% 184 $24,980,000 $135,761
    7-8% 73 $8,715,000 $119,384
    Over 8% 10 $1,900,000 $190,000
    <2.5% 5 $775,000 $155,000

    During 2022, Affinity's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 2.5-3%, with 818 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 670 $36,980,000 $55,194 $2,549 4.25%
    $200k-400k 516 $147,000,000 $284,884 $3,754 4.11%
    $100k-200k 493 $66,475,000 $134,838 $2,857 4.21%
    $400k-600k 181 $87,185,000 $481,685 $4,747 4.25%
    $600k-1MM 85 $63,395,000 $745,824 $6,092 4.15%
    $1MM+ 15 $27,465,000 $1,831,000 $9,834 4.87%

    2022 saw Affinity place emphasis on $100,000 or less loans with 670 originations, totaling $36,980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 578 $132,620,000 $229,446 $4,417 4.19%
    $100k-150k 487 $93,815,000 $192,639 $4,195 4.24%
    $250k+ 259 $88,295,000 $340,907 $5,502 4.28%
    $75k-100k 258 $41,810,000 $162,054 $3,738 4.20%
    $50k-75k 159 $23,375,000 $147,013 $3,368 4.05%
    $50k or less 88 $13,550,000 $153,977 $2,909 4.05%

    Affinity lent most frequently to those with incomes in the $150k-250k range, with 578 originations. The second most popular income band? $100k-150k, with 487 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 434 $90,630,000 $208,825 $4,194 4.27%
    30-36% 339 $72,475,000 $213,791 $4,038 4.24%
    <20% 163 $35,675,000 $218,865 $4,263 3.79%
    46% 77 $14,705,000 $190,974 $4,708 4.31%
    44% 77 $12,975,000 $168,506 $4,304 4.65%
    38% 75 $16,545,000 $220,600 $4,243 4.10%
    40% 75 $13,135,000 $175,133 $4,080 4.14%
    42% 74 $14,270,000 $192,838 $4,241 4.32%
    43% 74 $14,510,000 $196,081 $3,996 4.25%
    50-60% 73 $15,065,000 $206,370 $3,192 4.11%
    36% 66 $14,480,000 $219,394 $4,090 4.20%
    47% 64 $13,080,000 $204,375 $4,374 4.27%
    48% 62 $13,420,000 $216,452 $4,010 4.24%
    49% 59 $12,365,000 $209,576 $4,748 4.23%
    45% 57 $11,775,000 $206,579 $4,935 4.05%
    37% 53 $12,055,000 $227,453 $4,927 4.31%
    39% 47 $11,765,000 $250,319 $4,467 3.85%
    41% 44 $9,610,000 $218,409 $4,038 4.33%
    >60% 24 $6,220,000 $259,167 $3,636 3.65%

    Affinity lent most frequently to those with DTI ratios of 20-30%, with 434 originations. The next most common DTI ratio? 30-36%, with 339 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,251 $240,715,000 $192,418 $4,125 4.17%
    Asian 213 $67,485,000 $316,831 $4,808 4.11%
    Not provided 253 $58,615,000 $231,680 $4,166 4.32%
    Black 212 $37,180,000 $175,377 $3,727 4.27%
    Not applicable 18 $22,200,000 $1,233,333 $0 4.94%
    American Indian 12 $2,230,000 $185,833 $4,701 5.04%
    Native Hawaiian or Islander 1 $75,000 $75,000 $0 2.99%

    Approval Rates

    Total approvals of all applications
    74.33%

    Affinity has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.60%

    Affinity has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,960 $428,500,000 $218,622

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,960 $428,500,000 $218,622

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 376 $67,580,000 $179,734 $3,029 3.99%
    40-60% 190 $63,880,000 $336,211 $3,355 3.87%
    60-80% 287 $117,055,000 $407,857 $4,306 4.25%
    80-100% 272 $114,230,000 $419,963 $4,651 4.40%
    Over 100% 2 $2,710,000 $1,355,000 $0 7.50%
    Under 20% 833 $63,045,000 $75,684 $3,133 4.28%