# GUARANTEED RATE AFFINITY, LLC

> **Canonical URL:** https://saferate.com/lenders/guaranteed-rate-affinity


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GUARANTEED RATE AFFINITY, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers nationwide, with 12,743 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930001NSTOD85LT125
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.279%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,588
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 12,743
- **Dollar Volume:** $5.5 billion
- **Applications Received:** 18,502
- **Market Share:** 36.00%

## Typical Borrower Profile

- **Average Loan Amount:** $428,892
- **Average Borrower Income:** $174,200
- **Average Property Value:** $574,285

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 9,671 | +0.297% | $2,658 | Exceptional 🤩 |
| FHA | 81/100 | 1,415 | +0.619% | $3,293 | Exceptional 🤩 |
| VA | 85/100 | 1,125 | -0.346% | $1,188 | Exceptional 🤩 |
| Jumbo | 87/100 | 508 | +0.183% | $1,885 | Exceptional 🤩 |
| USDA | 53/100 | 24 | +0.560% | $3,108 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 9,066 loans, Score: 81/100 (Exceptional)
- Refinance: 605 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 1,346 loans, Score: 81/100 (Exceptional)
- Refinance: 69 loans, Score: 51/100 (Sound)

**VA:**
- Purchase: 1,084 loans, Score: 85/100 (Exceptional)
- Refinance: 41 loans, Score: 52/100 (Sound)

**Jumbo:**
- Purchase: 461 loans, Score: 88/100 (Exceptional)
- Refinance: 47 loans, Score: 82/100 (Exceptional)

**USDA:**
- Purchase: 24 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 11,981 | $5.1B | +0.287% | Exceptional 🤩 |
| Refinance | 73/100 | 762 | $350M | +0.182% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,170 | 0.41% | 75/100 |
| FL | 1,103 | 0.38% | 75/100 |
| PA | 1,062 | 0.88% | 83/100 |
| TX | 897 | 0.26% | 74/100 |
| NJ | 887 | 1.04% | 84/100 |
| IL | 838 | 0.67% | 80/100 |
| MN | 718 | 1.11% | 79/100 |
| MA | 589 | 0.98% | 78/100 |
| OH | 589 | 0.44% | 73/100 |
| MO | 525 | 0.70% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 632 | 79/100 |
| Minneapolis | MN-WI | 575 | 78/100 |
| St. Louis, MO | MO-IL | 516 | 83/100 |
| Pittsburgh, PA | PA | 503 | 86/100 |
| Non |  | 494 | 65/100 |
| Houston | TX | 423 | 74/100 |
| Cincinnati, OH |  | 396 | 82/100 |
| Newark, NJ | NJ | 377 | 85/100 |
| New York | NY-NJ | 372 | 75/100 |
| Arlington | VA-WV | 267 | 74/100 |
| Baltimore | MD | 263 | 74/100 |
| Atlanta | GA | 243 | 69/100 |
| Lakewood | NJ | 242 | 76/100 |
| Denver | CO | 229 | 69/100 |
| Columbia, SC | SC | 226 | 82/100 |

## Where This Lender Ranks

GUARANTEED RATE AFFINITY, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Pittsburgh, PA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in St. Louis, MO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Pittsburgh, PA for VA Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Cincinnati, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Harrisburg for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Lake County, IL for VA Loans
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Lake County, IL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Rochester, MN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-mn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in St. Louis, MO for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in Cincinnati, OH for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in Newark, NJ for VA Loans
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Newark, NJ for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Columbia, SC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Boston, MA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Tucson, AZ for VA Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Tucson, AZ for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Harrisburg for VA Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Rochester, MN for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-mn/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Pennsylvania for VA Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Pennsylvania for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does GUARANTEED RATE AFFINITY, LLC offer?

GUARANTEED RATE AFFINITY, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GUARANTEED RATE AFFINITY, LLC offer mortgages?

GUARANTEED RATE AFFINITY, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are GUARANTEED RATE AFFINITY, LLC's mortgage rates?

GUARANTEED RATE AFFINITY, LLC has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.279% above market average.

### What type of lender is GUARANTEED RATE AFFINITY, LLC?

GUARANTEED RATE AFFINITY, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is GUARANTEED RATE AFFINITY, LLC's loan approval success rate?

GUARANTEED RATE AFFINITY, LLC has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/guaranteed-rate-affinity

### How to Cite

> "GUARANTEED RATE AFFINITY, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/guaranteed-rate-affinity

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