Affinity Plus mortgage approval rate & lending review
Affinity Plus decided 5,217 mortgage applications and funded 4,562 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Affinity Plus reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Affinity Plus at a glance
Approval is 20.2 points above the 69.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 750 / 767 | 99% | $285K | 746 |
| Home improvement loans | 92% | 2,863 / 3,095 | 97% | $55K | 2,780 |
| Cash-out refinance | 45% | 97 / 214 | 97% | $195K | 94 |
| Refinance | 87% | 925 / 1,067 | 98% | $85K | 902 |
| Investment home improvement | 63% | 26 / 41 | 96% | $65K | 25 |
Affinity Plus lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 90% | $55K | 5,148 | 4,501 |
| Wisconsin | 89% | $25K | 35 | 28 |
| North Dakota | 100% | $55K | 33 | 33 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Affinity Plus lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hennepin County, MN | Home improvement loans | 92% | 741 | 655 |
| Ramsey County, MN | Home improvement loans | 94% | 571 | 519 |
| Dakota County, MN | Home improvement loans | 93% | 464 | 420 |
| Anoka County, MN | Home improvement loans | 92% | 388 | 346 |
| Washington County, MN | Home improvement loans | 90% | 287 | 253 |
| Hennepin County, MN | Mortgage lenders | 98% | 196 | 192 |
| Hennepin County, MN | Refinance | 84% | 205 | 169 |
| Ramsey County, MN | Refinance | 88% | 185 | 161 |
| St. Louis County, MN | Home improvement loans | 93% | 171 | 157 |
| Dakota County, MN | Refinance | 89% | 171 | 147 |
| Ramsey County, MN | Mortgage lenders | 99% | 133 | 132 |
| Anoka County, MN | Refinance | 86% | 155 | 129 |
The county markets where Affinity Plus made the most loans. Each link opens that market with every lender ranked.
Questions about Affinity Plus
What is Affinity Plus's mortgage approval rate?
Affinity Plus approved 89.6% of the 5,217 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.2 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Affinity Plus offers?
Borrowers accepted 98% of the loans Affinity Plus approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Affinity Plus make?
The typical home improvement loan loan Affinity Plus made was $55K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Affinity Plus lend?
Affinity Plus decided applications in 4 of the states Fat Boy Data covers, most of them in Minnesota, Wisconsin and North Dakota.
Can I apply to Affinity Plus directly?
Yes. Affinity Plus is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Affinity Plus's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Affinity Plus treats applications, then get a rate quote from the lender.