Guaranteed Rate Affinity, LLC: 2025 mortgage rates, costs & approvals
How Guaranteed Rate Affinity, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GUARANTEED RATE AFFINITY, LLC · LEI 54930001NSTOD85LT125
In 2025, Guaranteed Rate Affinity, LLC originated 13,563 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 39th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,950, 7% higher than the national median ($5,570).
It denied 4.3% of completed home-purchase applications (all lenders: 8.5%).
How Guaranteed Rate Affinity, LLC priced home-purchase loans
| Purchase loans, 2025 | Guaranteed Rate Affinity, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.175% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $5,950 | $5,570 |
| Total loan costs · FHA | $12,150 | $11,310 |
| Total loan costs · VA | $6,330 | $6,490 |
| Origination charges (all types) | $1,640 | $1,860 |
| Borrowers paying discount points | 47.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.71% | 0.87% |
| Borrowers receiving lender credits | 24.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Guaranteed Rate Affinity, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Guaranteed Rate Affinity, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 1,256 | 1,319 | 2.5% | 6.625% | $7,420 |
| Pennsylvania | 1,213 | 1,258 | 2.5% | 6.575% | $6,830 |
| Florida | 1,081 | 1,187 | 7.5% | 6.600% | $6,840 |
| New Jersey | 973 | 1,007 | 2.0% | 6.625% | $6,310 |
| Texas | 912 | 957 | 3.4% | 6.525% | $4,140 |
| Illinois | 824 | 903 | 6.4% | 6.750% | $6,470 |
| Massachusetts | 720 | 750 | 2.2% | 6.550% | $5,740 |
| Missouri | 675 | 717 | 4.7% | 6.625% | $4,690 |
| Minnesota | 625 | 657 | 4.0% | 6.625% | $5,560 |
| Ohio | 585 | 629 | 5.0% | 6.750% | $4,750 |
| Georgia | 490 | 549 | 7.3% | 6.625% | $6,370 |
| Connecticut | 478 | 510 | 4.1% | 6.625% | $5,930 |
| Colorado | 472 | 501 | 2.8% | 6.525% | $5,660 |
| Maryland | 466 | 490 | 3.5% | 6.750% | $5,550 |
| Arizona | 383 | 418 | 5.1% | 6.750% | $5,560 |
| South Carolina | 341 | 365 | 5.0% | 6.625% | $5,390 |
| Virginia | 329 | 337 | 1.3% | 6.575% | $5,620 |
| New York | 325 | 351 | 6.3% | 6.500% | $6,770 |
| Wisconsin | 206 | 222 | 5.2% | 6.750% | $3,520 |
| North Carolina | 194 | 205 | 2.2% | 6.625% | $4,580 |
| Utah | 148 | 165 | 9.2% | 6.575% | $6,610 |
| Washington | 104 | 112 | 7.1% | 6.625% | $6,020 |
| Rhode Island | 92 | 100 | 6.6% | 6.575% | $5,310 |
| Kentucky | 80 | 90 | 8.3% | 6.625% | $4,660 |
| Michigan | 79 | 85 | 8.8% | 6.625% | $2,170 |
| New Hampshire | 75 | 79 | 6.3% | 6.600% | $4,400 |
| Indiana | 63 | 74 | 15.2% | 6.625% | $2,990 |
| Delaware | 49 | 50 | 2.3% | 6.625% | $5,110 |
| District of Columbia | 36 | 39 | 5.6% | 6.625% | $7,630 |
| Alabama | 36 | 37 | 0.0% | — | $2,790 |
| Tennessee | 34 | 36 | 2.9% | — | $70 |
| Louisiana | 24 | 24 | 0.0% | — | $0 |
| West Virginia | 24 | 24 | 0.0% | — | — |
| Oregon | 23 | 26 | 13.0% | — | — |
| Maine | 21 | 25 | 14.3% | — | — |
| New Mexico | 17 | 17 | — | — | — |
| Oklahoma | 17 | 17 | — | — | — |
| Kansas | 15 | 15 | — | — | — |
| Arkansas | 13 | 14 | — | — | — |
| Iowa | 12 | 12 | — | — | — |
| Mississippi | 11 | 12 | — | — | — |
| Nevada | 9 | 9 | — | — | — |
| North Dakota | 7 | 7 | — | — | — |
| Idaho | 6 | 6 | — | — | — |
| Hawaii | 5 | 7 | — | — | — |
| Nebraska | 5 | 5 | — | — | — |
| Wyoming | 3 | 3 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| South Dakota | 2 | 2 | — | — | — |
| Vermont | 2 | 2 | — | — | — |
| Alaska | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Guaranteed Rate Affinity, LLC's page for that state.
Counties where Guaranteed Rate Affinity, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hunterdon County, NJ | 5 | 64 | 4.0% |
| Union County, NJ | 6 | 157 | 3.4% |
| Gila County, AZ | 6 | 19 | 3.2% |
| Saluda County, SC | 8 | 4 | 2.9% |
| Allegheny County, PA | 9 | 344 | 2.6% |
| South Central Connecticut Planning Region, CT | 8 | 143 | 2.6% |
| Somerset County, NJ | 7 | 97 | 2.5% |
| Calhoun County, SC | 8 | 3 | 2.5% |
| Calhoun County, AR | 8 | 1 | 2.4% |
| Washington County, PA | 10 | 60 | 2.4% |
| St. Louis city, MO | 10 | 73 | 2.3% |
| Ozaukee County, WI | 14 | 31 | 2.3% |
| Newberry County, SC | 11 | 8 | 2.3% |
| St. Charles County, MO | 12 | 171 | 2.2% |
| Marin County, CA | 12 | 48 | 2.1% |
Check Guaranteed Rate Affinity, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930001NSTOD85LT125.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Guaranteed Rate Affinity, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology