Affinity Plus in Minnesota vs the state
14.6%Denial rate+0.96 pts vs state
17.5%Decision denial rate+1.13 pts vs state
67.2%Origination rate+0.86 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)-0.05 pts vs state
$117kMedian applicant income
3,656Loans originated
792Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,151 | 3,552 | 13.5% | 6.74% | #5 |
| 2024 | 5,030 | 3,468 | 14.9% | 7.00% | #6 |
| 2025 | 5,438 | 3,656 | 14.6% | 6.63% | #6 |
What Affinity Plus lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Affinity Plus applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 801 | 496 | 120 | 15.0% |
| Ramsey County | 546 | 374 | 65 | 11.9% |
| Dakota County | 495 | 317 | 80 | 16.2% |
| Anoka County | 389 | 245 | 70 | 18.0% |
| Itasca County | 317 | 233 | 42 | 13.2% |
| Washington County | 298 | 208 | 43 | 14.4% |
| St. Louis County | 226 | 143 | 37 | 16.4% |
| Beltrami County | 221 | 167 | 25 | 11.3% |
| Isanti County | 164 | 112 | 31 | 18.9% |
| Olmsted County | 131 | 87 | 20 | 15.3% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
| Broker Solutions | D | 3,246 | 5.5% | 6.75% |
Frequently asked questions
Minnesota: 5,438 applications in 2025, of which 3,656 were originated and 792 denied.
14.6% of all applications, or 17.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Affinity Plus originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Affinity Plus's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology