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GUARANTEED RATE AFFINITY, LLC
Independent Mortgage Company|WILMINGTON, DE|National
Loans Originated
12,743
Applications
18,502
Volume
$5 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐VA Superstar⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.279%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,588
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.9%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
GUARANTEED RATE AFFINITY, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$428,892
Average Borrower Income
$174,200
Average Property Value
$574,285
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% | $2,658 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 1,415 | 11.1% | +0.619% | $3,293 |
VA Loans | Strong | Exceptional | Strong | Strong | 1,125 | 8.8% | -0.346% | $1,188 |
Jumbo Loans | Strong | Exceptional | Sound | Sound | 508 | 4.0% | +0.183% | $1,885 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 24 | 0.2% | +0.560% | $3,108 |
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% | $2,648 |
Refinance | Sound | Strong | Sound | Sound | 762 | 6.0% | +0.182% | $1,818 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 503Mix: 3.95%
Place Specialization
Exceptional
2
Newark, NJ, NJMSA
Volume: 377Mix: 2.96%
Place Specialization
Exceptional
3
St. Louis, MO, MO-ILMSA
Volume: 516Mix: 4.05%
Place Specialization
Exceptional
4
Cincinnati, OHMSA
Volume: 396Mix: 3.11%
Place Specialization
Exceptional
5
Columbia, SC, SCMSA
Volume: 226Mix: 1.77%
Place Specialization
Exceptional
6
Bridgeport, CTMSA
Volume: 162Mix: 1.27%
Place Specialization
Strong
7
Chicago, ILMSA
Volume: 632Mix: 4.96%
Place Specialization
Strong
8
Minneapolis, MN-WIMSA
Volume: 575Mix: 4.51%
Place Specialization
Strong
9
Lakewood, NJMSA
Volume: 242Mix: 1.90%
Place Specialization
Strong
10
Lake County, IL, ILMSA
Volume: 96Mix: 0.75%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NJState
Volume: 887Mix: 6.96%
Place Specialization
Exceptional
2
PAState
Volume: 1,062Mix: 8.33%
Place Specialization
Exceptional
3
ILState
Volume: 838Mix: 6.58%
Place Specialization
Strong
4
MNState
Volume: 718Mix: 5.63%
Place Specialization
Strong
5
CTState
Volume: 460Mix: 3.61%
Place Specialization
Strong
6
MAState
Volume: 589Mix: 4.62%
Place Specialization
Strong
7
SCState
Volume: 424Mix: 3.33%
Place Specialization
Strong
8
CAState
Volume: 1,170Mix: 9.18%
Place Specialization
Strong
9
FLState
Volume: 1,103Mix: 8.66%
Place Specialization
Strong
10
MDState
Volume: 424Mix: 3.33%
Place Specialization
Strong
Showing 10 of 41 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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