What loan types does Guaranteed Rate Affinity offer?

Guaranteed Rate Affinity offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Guaranteed Rate Affinity offer mortgages?

Guaranteed Rate Affinity is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Guaranteed Rate Affinity's mortgage rates?

Guaranteed Rate Affinity has an overall pricing score of 33.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Guaranteed Rate Affinity?

Guaranteed Rate Affinity is a Independent Mortgage Company headquartered in WILMINGTON, DE.

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Guaranteed Rate Affinity

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

Guaranteed Rate Affinity's 12.7k closed loans and 19k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

FHA

Superstar

Jumbo

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Guaranteed Rate Affinity performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.9 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Exceptional	Acceptable	Sound	9,671	75.9%	+0.297%Above	$2,658Fees
FHA Loans	Sound	Exceptional	Acceptable	Strong	1,415	11.1%	+0.619%Above	$3,293Fees
VA Loans	Strong	Exceptional	Strong	Strong	1,125	8.8%	-0.346%Below	$1,188Fees
Jumbo Loans	Strong	Exceptional	Sound	Sound	508	4.0%	+0.183%Above	$1,885Fees
USDA Loans	Acceptable	Sound	—	Acceptable	24	0.2%	+0.560%Above	$3,108Fees

Conventional

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume9,671

Mix75.9%

Spread

+0.297%Above

Fees

$2,658Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,415

Mix11.1%

Spread

+0.619%Above

Fees

$3,293Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume1,125

Mix8.8%

Spread

-0.346%Below

Fees

$1,188Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Sound

Volume508

Mix4.0%

Spread

+0.183%Above

Fees

$1,885Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume24

Mix0.2%

Spread

+0.560%Above

Fees

$3,108Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Exceptional	Acceptable	Sound	11,981	94.0%	+0.287%Above	$2,648Fees
Refinance	Sound	Strong	Sound	Sound	762	6.0%	+0.182%Above	$1,818Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume11,981

Mix94.0%

Spread

+0.287%Above

Fees

$2,648Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume762

Mix6.0%

Spread

+0.182%Above

Fees

$1,818Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

12,743

Applications

18,502

Volume

$5 billion

Pricing & Closing

Avg Rate Spread

+0.279%

vs. market APOR

Avg Net Fees

$2,588

Origination − Credits

Pullthrough Rate

68.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$428,892

Avg Borrower Income

$174,200

Avg Property Value

$574,285

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 503Mix 3.95% of portfolio

86/100

Exceptional

2© Gamezilla2019 · CC BY 4.0

Newark, NJMetro

Volume 377Mix 2.96% of portfolio

85/100

Exceptional

3© WeaponizingArchitecture · CC BY-SA 4.0

St. Louis, MO, MO-ILMetro

Volume 516Mix 4.05% of portfolio

83/100

Exceptional

4© Warren LeMay from Cincinnati, OH, United States · CC0

Cincinnati, OHMetro

Volume 396Mix 3.11% of portfolio

82/100

Exceptional

Columbia, SCMetro

Volume 226Mix 1.77% of portfolio

82/100

Exceptional

Bridgeport, CTMetro

Volume 162Mix 1.27% of portfolio

79/100

Strong

Chicago, ILMetro

Volume 632Mix 4.96% of portfolio

79/100

Strong

Minneapolis, MN-WIMetro

Volume 575Mix 4.51% of portfolio

78/100

Strong

Lakewood, NJMetro

Volume 242Mix 1.90% of portfolio

76/100

Strong

Lake County, ILMetro

Volume 96Mix 0.75% of portfolio

75/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New JerseyState

Volume 887Mix 6.96% of portfolio

84/100

Exceptional

PennsylvaniaState

Volume 1,062Mix 8.33% of portfolio

83/100

Exceptional

IllinoisState

Volume 838Mix 6.58% of portfolio

80/100

Strong

MinnesotaState

Volume 718Mix 5.63% of portfolio

79/100

Strong

ConnecticutState

Volume 460Mix 3.61% of portfolio

78/100

Strong

MassachusettsState

Volume 589Mix 4.62% of portfolio

78/100

Strong

South CarolinaState

Volume 424Mix 3.33% of portfolio

77/100

Strong

CaliforniaState

Volume 1,170Mix 9.18% of portfolio

75/100

Strong

FloridaState

Volume 1,103Mix 8.66% of portfolio

75/100

Strong

MarylandState

Volume 424Mix 3.33% of portfolio

74/100

Strong

Showing 10 of 41 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.