Lender in Minnesota · HMDA 2025
Affinity Plus mortgages in Minnesota
Affinity Plus's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Affinity Plus originated 623 owner-occupied single-family loans in Minnesota from 770 completed applications.
Its median conventional purchase loan costs were $4,960 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.50% (Minnesota: 6.625%).
Loans in MN
623
of 770 applications
Denial rate
2.2%
Purchase · MN 5.2%
Rate spread
+0.00 pts
Conv. · MN +0.15 pts
Loan amount
$265,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 411 | 402 | 2.2% | 6.500% | +0.00 pts | $4,960 | $265,000 |
| Refinance | 192 | 152 | 19.8% | 6.250% | +0.02 pts | $2,440 | $145,000 |
| Cash-out refinance | 167 | 69 | 58.7% | 6.625% | −0.08 pts | $4,030 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Affinity Plus ranks in the top 25
Showing the 30 counties where it ranks highest, of 32.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Itasca County | 2 | 34 | 6.6% |
| Beltrami County | 2 | 25 | 9.3% |
| Aitkin County | 5 | 9 | 4.6% |
| Mahnomen County | 5 | 2 | 3.8% |
| Hubbard County | 6 | 6 | 2.8% |
| Clearwater County | 8 | 3 | 3.3% |
| Otter Tail County | 10 | 14 | 2.3% |
| Roseau County | 10 | 2 | 1.4% |
| Rice County | 11 | 17 | 2.1% |
| Winona County | 11 | 7 | 1.4% |
| Wilkin County | 11 | 2 | 2.7% |
| Cass County | 12 | 8 | 2.3% |
| Yellow Medicine County | 12 | 2 | 2.3% |
| Wadena County | 13 | 3 | 2.3% |
| Isanti County | 14 | 14 | 1.9% |
| Nicollet County | 14 | 9 | 2.0% |
| Carlton County | 16 | 10 | 2.0% |
| Blue Earth County | 16 | 9 | 1.3% |
| St. Louis County | 17 | 36 | 1.5% |
| Crow Wing County | 17 | 15 | 1.8% |
| Big Stone County | 17 | 1 | 2.3% |
| Brown County | 18 | 4 | 1.4% |
| Chisago County | 19 | 11 | 1.2% |
| Redwood County | 19 | 2 | 1.3% |
| Kanabec County | 22 | 3 | 1.4% |
| Lake County | 23 | 2 | 1.0% |
| Koochiching County | 23 | 1 | 0.8% |
| Lac qui Parle County | 23 | 1 | 2.0% |
| Morrison County | 24 | 5 | 1.3% |
| Douglas County | 24 | 4 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology