Affinity mortgage approval rate & lending review
Affinity decided 5,468 mortgage applications and funded 3,430 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Affinity reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Affinity at a glance
Approval is 2.5 points below the 68.8% 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 | 82% | 670 / 815 | 92% | $375K | 615 |
| Home improvement loans | 60% | 1,532 / 2,550 | 93% | $105K | 1,426 |
| Cash-out refinance | 70% | 1,242 / 1,781 | 98% | $105K | 1,222 |
| Refinance | 72% | 110 / 152 | 90% | $295K | 99 |
| Investment property purchase | 66% | 38 / 58 | 97% | $355K | 37 |
| Investment cash-out refinance | 40% | 17 / 43 | 100% | $325K | 17 |
| Investment home improvement | 24% | 14 / 59 | 93% | $105K | 13 |
Affinity lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 68% | $105K | 4,094 | 2,658 |
| New York | 53% | $95K | 376 | 185 |
| Florida | 64% | $105K | 182 | 108 |
| Pennsylvania | 74% | $55K | 180 | 120 |
| Connecticut | 55% | $205K | 130 | 69 |
| North Carolina | 78% | $55K | 64 | 50 |
| California | 58% | $205K | 62 | 33 |
| Georgia | 51% | $55K | 47 | 24 |
| Virginia | 70% | $105K | 37 | 23 |
| Maryland | 60% | $105K | 35 | 18 |
| South Carolina | 71% | $105K | 31 | 22 |
| Delaware | 73% | $75K | 26 | 16 |
| Ohio | 38% | $85K | 24 | 9 |
| Massachusetts | 57% | $125K | 23 | 12 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Somerset County, NJ | Home improvement loans | 72% | 326 | 220 |
| Somerset County, NJ | Cash-out refinance | 76% | 250 | 189 |
| Morris County, NJ | Home improvement loans | 74% | 264 | 183 |
| Middlesex County, NJ | Home improvement loans | 54% | 339 | 168 |
| Middlesex County, NJ | Cash-out refinance | 70% | 238 | 163 |
| Morris County, NJ | Cash-out refinance | 82% | 158 | 127 |
| Hunterdon County, NJ | Home improvement loans | 74% | 169 | 119 |
| Somerset County, NJ | Mortgage lenders | 85% | 114 | 91 |
| Union County, NJ | Home improvement loans | 54% | 179 | 89 |
| Union County, NJ | Cash-out refinance | 73% | 121 | 87 |
| Monmouth County, NJ | Home improvement loans | 67% | 136 | 85 |
| Hunterdon County, NJ | Cash-out refinance | 79% | 102 | 81 |
The county markets where Affinity made the most loans. Each link opens that market with every lender ranked.
Questions about Affinity
What is Affinity's mortgage approval rate?
Affinity approved 66.3% of the 5,468 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points below the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Affinity offers?
Borrowers accepted 95% of the loans Affinity 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 make?
The typical home improvement loan loan Affinity made was $105K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Affinity lend?
Affinity decided applications in 42 of the states Fat Boy Data covers, most of them in New Jersey, New York and Florida.
Can I apply to Affinity directly?
Yes. Affinity is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Affinity'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 treats applications, then get a rate quote from the lender.