Applications / Mortgage Analytics / Lenders / Minnesota / Affinity Plus Federal Credit Union
Saint Paul, MN · Credit union · NCUA · $4.9 billion assets · 3,801 loans in 2025
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3,801
loans originated, 2025
5,654
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Affinity Plus Federal Credit Union is a Minnesota lender of small home-improvement and other-purpose loans, with a typical loan of $65,000 against $115,000 at similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Home improvement made up 37.9% of its loans and other purposes 29.4%, while purchases were 11.9%. Its typical loan was the lowest among similar lenders, and jumbo loans (larger than the conforming limit) were 0.1% against 1.8%.
Originations rose 5% to 3,801, against 9% for similar lenders and 10% for the whole market. They peaked at 6,635 in 2021 and fell each year to 2024, so 2025 was its first rise since 2021.
LMI (low- and moderate-income) borrowers took 31.2% of its loans against 27.2%, higher than about seven in ten similar lenders, and 17.3% of loans were in LMI areas against 15.0%. Only 4.0% were in majority-minority areas against 9.1%, lower than about four in five; non-metro Minnesota and smaller metros such as Duluth and St. Cloud are among its largest markets, which could explain part of that.
It ranks 32 of 688 in Minneapolis-St. Paul-Bloomington, where its share slipped to 0.9% from 1.0%, and 17 of 318 in Duluth, where it rose to 1.5% from 1.4%. It has lent in both since before 1990.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Affinity Plus Federal Credit Union took 5,654 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.9% · Other 29.4% · Refinance 20.9% · Purchase 11.9%
Conventional 99.8% · VA 0.2% · of 3,801 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 3,656 | 96.2% |
| Wisconsin | 126 | 3.3% |
| North Dakota | 19 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 2,164 |
| Duluth | 190 |
| Rochester | 120 |
| St. Cloud | 90 |
| Mankato | 82 |
| Fargo | 36 |
| Grand Forks | 9 |
| La Crosse-Onalaska | 4 |
| Milwaukee-Waukesha | 4 |
| Eau Claire | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NL3JN3ABDPH257 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 131490 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524362 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Affinity Plus Federal Credit Union's data.
Affinity Plus Federal Credit Union's data
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Affinity Plus Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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