Guaranteed Rate Affinity Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 54930001NSTOD85LT125

Tax ID: 81-5294275

2020 Data | 2019 Data | 2018 Data


Overview

Guaranteed Rate Affinity is a large mortgage company specializing in Home Purchase and Refi loans. Guaranteed Rate Affinity has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Minneapolis, Chicago, Newark, Oakland, and Washington among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Guaranteed Rate Affinity is typically an average fee lendor.


Originations

32,588

Origination Dollar Volume (All Markets)

$11,143,490,000

Relative Rate

Guaranteed Rate Affinity 's average 30 year fixed rate mortgage was 3.14%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.22%.

Relative Fees

Guaranteed Rate Affinity 's average total fees for a 30 year fixed rate mortgage are $5,009.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 25,967 $9,087,695,000 $349,971 $4,159 3.13%
VA 3,438 $1,267,810,000 $368,764 $6,144 2.75%
FHA 3,028 $757,130,000 $250,043 $8,764 3.12%
USDA 155 $30,855,000 $199,065 $5,838 3.10%

For the 2020 period, Guaranteed Rate Affinity 's most frequently originated loan type was Conventional, with 25,967 originations. Their 2nd most popular type is VA, with 3,438 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 21,236 $7,030,500,000 $331,065 $5,451 3.08%
Refi 9,133 $3,367,905,000 $368,762 $3,446 3.06%
Cash Out Refi 2,219 $745,085,000 $335,775 $4,349 3.31%

For the 2020, Guaranteed Rate Affinity 's most frequently cited loan purpose was Home Purchase, with 21,236 originations. The 2nd most popular reason was Refi, with 9,133 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 28,411 $10,022,335,000 $352,762 $5,009 3.14%
15 Year 2,642 $708,370,000 $268,119 $3,329 2.69%
20 Year 1,109 $332,165,000 $299,518 $3,211 3.04%
10 Year 228 $21,260,000 $93,246 $2,965 2.52%
Other 178 $59,250,000 $332,865 $3,598 3.15%
5 Year 20 $110,000 $5,500 $0 0.00%

For the 2020, Guaranteed Rate Affinity 's most frequently cited loan length was 30 Year, with 28,411 originations. The 2nd most popular length was 15 Year, with 2,642 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 21,781 $7,402,065,000 $339,840
$<1k 4,699 $1,480,965,000 $315,166
$2k-3k 2,403 $819,825,000 $341,167
$3k-4k 1,789 $684,125,000 $382,406
$5k+ 857 $495,715,000 $578,431

$5,009 was Guaranteed Rate Affinity 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 21,781 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 2,171 $601,305,000 $276,971 $4,264 3.04%
CHICAGO-NAPERVILLE-EVANSTON, IL 1,925 $579,775,000 $301,182 $4,347 3.10%
NEWARK, NJ-PA 1,112 $500,450,000 $450,045 $5,847 3.05%
OAKLAND-BERKELEY-LIVERMORE, CA 708 $426,660,000 $602,627 $4,884 3.18%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 801 $400,855,000 $500,443 $6,094 2.94%
BALTIMORE-COLUMBIA-TOWSON, MD 1,142 $392,120,000 $343,363 $4,685 3.01%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 579 $381,205,000 $658,385 $5,195 3.15%
BOSTON, MA 698 $328,420,000 $470,516 $4,361 3.09%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 709 $319,655,000 $450,853 $3,989 3.09%
BRIDGEPORT-STAMFORD-NORWALK, CT 741 $305,155,000 $411,815 $5,728 3.12%
DENVER-AURORA-LAKEWOOD, CO 751 $292,675,000 $389,714 $4,031 3.16%
LOS ANGELES-LONG BEACH-GLENDALE, CA 454 $274,330,000 $604,251 $5,704 3.19%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 647 $252,385,000 $390,085 $4,491 3.12%
NEW BRUNSWICK-LAKEWOOD, NJ 710 $251,240,000 $353,859 $5,364 3.06%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 336 $249,730,000 $743,244 $5,621 3.19%
Outside of Metro Areas 902 $230,360,000 $255,388 $4,464 3.08%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 417 $221,415,000 $530,971 $5,721 3.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 772 $216,450,000 $280,376 $4,912 3.05%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 420 $179,370,000 $427,071 $6,031 3.10%
ANAHEIM-SANTA ANA-IRVINE, CA 310 $178,820,000 $576,839 $6,192 3.12%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 635 $169,775,000 $267,362 $5,381 3.24%
PITTSBURGH, PA 833 $161,605,000 $194,004 $4,974 3.08%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 493 $159,205,000 $322,931 $5,441 3.11%
PHOENIX-MESA-CHANDLER, AZ 518 $158,190,000 $305,386 $4,330 3.22%
NEW HAVEN-MILFORD, CT 629 $152,995,000 $243,235 $5,409 3.25%
ST. LOUIS, MO-IL 642 $146,150,000 $227,648 $3,522 3.17%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 582 $143,240,000 $246,117 $4,749 3.08%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 499 $134,275,000 $269,088 $4,907 3.05%
DALLAS-PLANO-IRVING, TX 416 $125,510,000 $301,707 $5,229 3.07%
ORLANDO-KISSIMMEE-SANFORD, FL 417 $117,265,000 $281,211 $4,872 3.01%
NORTH PORT-SARASOTA-BRADENTON, FL 438 $114,300,000 $260,959 $4,753 3.12%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 343 $110,095,000 $320,977 $5,585 3.01%
COLUMBIA, SC 507 $108,075,000 $213,166 $4,489 3.02%
PROVIDENCE-WARWICK, RI-MA 360 $100,720,000 $279,778 $4,943 2.92%
SANTA ROSA-PETALUMA, CA 184 $91,880,000 $499,348 $5,962 3.20%
CINCINNATI, OH-KY-IN 439 $91,525,000 $208,485 $3,699 3.13%
CHARLESTON-NORTH CHARLESTON, SC 294 $90,860,000 $309,048 $4,942 3.06%
TUCSON, AZ 358 $85,670,000 $239,302 $4,067 3.05%
COLUMBUS, OH 364 $84,720,000 $232,747 $4,205 3.24%
SALINAS, CA 165 $83,475,000 $505,909 $4,373 3.17%
PHILADELPHIA, PA 291 $83,405,000 $286,615 $5,127 3.15%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 251 $82,635,000 $329,223 $5,804 3.29%
SAN RAFAEL, CA 111 $72,105,000 $649,595 $5,771 3.22%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 159 $71,925,000 $452,358 $4,842 2.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 268 $70,850,000 $264,366 $3,807 3.18%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 181 $70,035,000 $386,934 $5,658 3.13%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 237 $65,615,000 $276,857 $5,202 3.01%
ELGIN, IL 225 $56,855,000 $252,689 $4,432 3.11%
WORCESTER, MA-CT 181 $56,025,000 $309,530 $4,342 3.08%
BOULDER, CO 131 $55,875,000 $426,527 $3,280 3.17%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 174 $54,360,000 $312,414 $3,971 3.08%
CAMDEN, NJ 186 $47,740,000 $256,667 $4,485 2.97%
SANTA CRUZ-WATSONVILLE, CA 85 $47,465,000 $558,412 $5,421 3.04%
COLORADO SPRINGS, CO 136 $45,360,000 $333,529 $4,914 2.90%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 162 $44,850,000 $276,852 $5,012 3.14%
PALM BAY-MELBOURNE-TITUSVILLE, FL 180 $43,890,000 $243,833 $4,879 3.01%
PROVO-OREM, UT 138 $41,880,000 $303,478 $4,458 3.16%
SALISBURY, MD-DE 160 $41,200,000 $257,500 $3,786 3.13%
TYLER, TX 186 $39,040,000 $209,892 $5,178 3.14%
SAN ANTONIO-NEW BRAUNFELS, TX 118 $33,040,000 $280,000 $6,152 3.09%
MIAMI-MIAMI BEACH-KENDALL, FL 100 $32,670,000 $326,700 $6,120 3.27%
ROCHESTER, MN 157 $30,655,000 $195,255 $3,585 2.80%
SALT LAKE CITY, UT 92 $30,370,000 $330,109 $4,210 3.18%
NORWICH-NEW LONDON, CT 112 $30,330,000 $270,804 $4,919 2.99%
SEATTLE-BELLEVUE-KENT, WA 46 $28,420,000 $617,826 $3,140 3.05%
OXNARD-THOUSAND OAKS-VENTURA, CA 48 $26,370,000 $549,375 $5,801 3.24%
GREELEY, CO 74 $26,240,000 $354,595 $3,532 3.03%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 103 $25,165,000 $244,320 $4,766 3.11%
TRENTON-PRINCETON, NJ 68 $24,140,000 $355,000 $4,957 3.13%
MANCHESTER-NASHUA, NH 68 $23,120,000 $340,000 $3,498 3.04%
SPRINGFIELD, MA 98 $23,090,000 $235,612 $5,024 2.94%
NAPLES-MARCO ISLAND, FL 67 $20,655,000 $308,284 $5,102 3.26%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 75 $19,375,000 $258,333 $6,383 3.06%
CAPE CORAL-FORT MYERS, FL 77 $19,345,000 $251,234 $4,715 3.26%
HARRISBURG-CARLISLE, PA 94 $18,960,000 $201,702 $6,495 3.20%
VALLEJO, CA 47 $18,575,000 $395,213 $5,216 3.15%
AUGUSTA-RICHMOND COUNTY, GA-SC 84 $18,110,000 $215,595 $4,147 3.16%
LAKELAND-WINTER HAVEN, FL 87 $16,805,000 $193,161 $5,429 3.18%
OGDEN-CLEARFIELD, UT 62 $16,760,000 $270,323 $4,412 3.23%
WILMINGTON, DE-MD-NJ 59 $16,085,000 $272,627 $4,568 2.91%
FORT COLLINS, CO 45 $15,905,000 $353,444 $4,043 2.92%
STOCKTON, CA 43 $15,575,000 $362,209 $5,084 3.22%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 51 $15,555,000 $305,000 $4,187 3.17%
BARNSTABLE TOWN, MA 36 $15,020,000 $417,222 $4,466 3.08%
JACKSONVILLE, FL 57 $14,365,000 $252,018 $5,109 2.94%
SUMTER, SC 67 $14,285,000 $213,209 $5,668 2.90%
GARY, IN 58 $14,020,000 $241,724 $3,391 3.13%
YORK-HANOVER, PA 69 $12,065,000 $174,855 $5,385 2.95%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 48 $11,920,000 $248,333 $5,039 3.03%
CALIFORNIA-LEXINGTON PARK, MD 33 $11,725,000 $355,303 $4,492 2.71%
PORT ST. LUCIE, FL 42 $11,700,000 $278,571 $5,447 2.98%
RALEIGH-CARY, NC 30 $9,690,000 $323,000 $1,991 2.94%
HUNTSVILLE, AL 28 $9,680,000 $345,714 $3,404 2.79%
LONGVIEW, TX 51 $9,545,000 $187,157 $5,406 3.22%
OCEAN CITY, NJ 27 $9,295,000 $344,259 $3,942 2.94%
MODESTO, CA 26 $9,220,000 $354,615 $4,898 3.30%
ST. CLOUD, MN 56 $9,080,000 $162,143 $4,129 3.03%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 27 $9,005,000 $333,519 $3,392 2.94%
MILWAUKEE-WAUKESHA, WI 28 $8,770,000 $313,214 $1,927 3.08%
KILLEEN-TEMPLE, TX 51 $8,705,000 $170,686 $5,446 2.92%
SAN LUIS OBISPO-PASO ROBLES, CA 16 $8,100,000 $506,250 $5,421 3.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN 23 $7,705,000 $335,000 $2,396 2.98%
PUNTA GORDA, FL 36 $7,480,000 $207,778 $4,739 3.17%
PENSACOLA-FERRY PASS-BRENT, FL 28 $7,240,000 $258,571 $5,786 3.28%
LAS VEGAS-HENDERSON-PARADISE, NV 21 $6,855,000 $326,429 $3,621 3.02%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 18 $6,020,000 $334,444 $2,811 2.88%
PORTLAND-SOUTH PORTLAND, ME 20 $5,850,000 $292,500 $3,658 3.17%
ATLANTIC CITY-HAMMONTON, NJ 16 $5,400,000 $337,500 $4,307 2.99%
GAINESVILLE, GA 12 $4,830,000 $402,500 $5,925 3.06%
KANSAS CITY, MO-KS 16 $4,690,000 $293,125 $2,338 2.98%
GRAND RAPIDS-KENTWOOD, MI 16 $4,420,000 $276,250 $3,134 2.96%
LANCASTER, PA 16 $4,370,000 $273,125 $5,577 3.12%
GREENVILLE-ANDERSON, SC 17 $4,255,000 $250,294 $2,918 3.22%
PRESCOTT VALLEY-PRESCOTT, AZ 16 $4,250,000 $265,625 $4,024 3.26%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 15 $4,245,000 $283,000 $3,929 3.00%
JACKSON, MS 12 $4,220,000 $351,667 $3,138 2.78%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 10 $4,050,000 $405,000 $2,842 2.74%
KENNEWICK-RICHLAND, WA 12 $4,020,000 $335,000 $1,394 2.68%
READING, PA 18 $4,010,000 $222,778 $4,928 3.08%
MADISON, WI 12 $3,850,000 $320,833 $2,809 3.22%
PANAMA CITY, FL 18 $3,850,000 $213,889 $3,975 3.16%
SANTA MARIA-SANTA BARBARA, CA 8 $3,810,000 $476,250 $4,374 2.80%
MICHIGAN CITY-LA PORTE, IN 16 $3,800,000 $237,500 $2,570 3.24%
GREENSBORO-HIGH POINT, NC 11 $3,605,000 $327,727 $1,314 3.28%
WARREN-TROY-FARMINGTON HILLS, MI 13 $3,485,000 $268,077 $3,762 2.99%
RENO, NV 8 $3,470,000 $433,750 $3,642 3.11%
WINCHESTER, VA-WV 11 $3,465,000 $315,000 $5,654 3.03%
ASHEVILLE, NC 9 $3,315,000 $368,333 $2,796 3.11%
BIRMINGHAM-HOOVER, AL 10 $3,220,000 $322,000 $3,102 3.02%
OCALA, FL 15 $3,145,000 $209,667 $3,519 3.13%
FRESNO, CA 10 $3,060,000 $306,000 $5,449 2.98%
NAPA, CA 7 $3,015,000 $430,714 $5,892 2.86%
BOISE CITY, ID 6 $2,930,000 $488,333 $3,479 2.96%
OMAHA-COUNCIL BLUFFS, NE-IA 12 $2,900,000 $241,667 $2,541 3.06%
RICHMOND, VA 10 $2,870,000 $287,000 $2,404 2.86%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 13 $2,845,000 $218,846 $3,620 3.18%
KALAMAZOO-PORTAGE, MI 10 $2,780,000 $278,000 $564 3.17%
MERCED, CA 9 $2,725,000 $302,778 $6,838 3.58%
WINSTON-SALEM, NC 9 $2,685,000 $298,333 $1,359 3.04%
PUEBLO, CO 9 $2,655,000 $295,000 $4,312 3.15%
FLAGSTAFF, AZ 7 $2,655,000 $379,286 $5,542 3.37%
TACOMA-LAKEWOOD, WA 7 $2,635,000 $376,429 $625 3.27%
NILES, MI 9 $2,635,000 $292,778 $4,037 3.10%
CLEVELAND-ELYRIA, OH 13 $2,625,000 $201,923 $2,621 2.93%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 6 $2,590,000 $431,667 $2,327 2.90%
HILTON HEAD ISLAND-BLUFFTON, SC 8 $2,580,000 $322,500 $3,681 2.95%
CHATTANOOGA, TN-GA 9 $2,555,000 $283,889 $2,633 2.80%
FORT WAYNE, IN 9 $2,515,000 $279,444 $1,150 3.10%
DURHAM-CHAPEL HILL, NC 7 $2,495,000 $356,429 $1,876 3.16%
CHICO, CA 8 $2,480,000 $310,000 $4,941 2.98%
KNOXVILLE, TN 9 $2,395,000 $266,111 $2,614 2.90%
BAKERSFIELD, CA 9 $2,385,000 $265,000 $6,399 3.08%
DAYTON-KETTERING, OH 11 $2,235,000 $203,182 $3,010 2.98%
TULSA, OK 11 $2,165,000 $196,818 $3,230 3.11%
GETTYSBURG, PA 8 $2,150,000 $268,750 $4,893 3.26%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 7 $2,145,000 $306,429 $291 3.16%
SPARTANBURG, SC 8 $2,140,000 $267,500 $3,334 2.94%
NEW ORLEANS-METAIRIE, LA 6 $2,060,000 $343,333 $2,094 3.00%
HICKORY-LENOIR-MORGANTON, NC 7 $1,935,000 $276,429 $3,202 3.02%
LEXINGTON-FAYETTE, KY 6 $1,920,000 $320,000 $3,554 2.96%
LAKE HAVASU CITY-KINGMAN, AZ 7 $1,865,000 $266,429 $2,559 3.32%
MADERA, CA 5 $1,845,000 $369,000 $4,485 3.30%
MIDLAND, TX 6 $1,810,000 $301,667 $3,191 3.62%
MEMPHIS, TN-MS-AR 5 $1,745,000 $349,000 $1,985 3.00%
PEORIA, IL 6 $1,720,000 $286,667 $1,311 2.98%
YUBA CITY, CA 7 $1,695,000 $242,143 $3,229 3.14%
MEDFORD, OR 4 $1,650,000 $412,500 $2,826 3.06%
BEAUMONT-PORT ARTHUR, TX 6 $1,600,000 $266,667 $4,297 2.73%
SALEM, OR 6 $1,490,000 $248,333 $5,374 2.98%
COLUMBUS, GA-AL 9 $1,465,000 $162,778 $5,314 3.49%
DULUTH, MN-WI 8 $1,440,000 $180,000 $4,483 3.25%
VISALIA, CA 6 $1,380,000 $230,000 $6,353 3.33%
AKRON, OH 5 $1,345,000 $269,000 $6,369 3.10%
SAVANNAH, GA 4 $1,340,000 $335,000 $5,256 3.06%
HOMOSASSA SPRINGS, FL 5 $1,335,000 $267,000 $5,217 2.65%
CHAMBERSBURG-WAYNESBORO, PA 5 $1,325,000 $265,000 $6,223 2.73%
LAFAYETTE-WEST LAFAYETTE, IN 5 $1,285,000 $257,000 $1,653 2.85%
PITTSFIELD, MA 3 $1,215,000 $405,000 $5,093 3.04%
AMARILLO, TX 8 $1,180,000 $147,500 $3,478 3.41%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 4 $1,180,000 $295,000 $666 3.19%
ATHENS-CLARKE COUNTY, GA 3 $1,125,000 $375,000 $6,589 3.13%
COLLEGE STATION-BRYAN, TX 6 $1,110,000 $185,000 $4,399 3.38%
ANCHORAGE, AK 2 $1,110,000 $555,000 $2,892 2.56%
LEBANON, PA 9 $1,065,000 $118,333 $4,045 2.76%
ROCKFORD, IL 7 $1,055,000 $150,714 $2,899 2.84%
FLORENCE, SC 5 $1,045,000 $209,000 $2,805 3.23%
HAGERSTOWN-MARTINSBURG, MD-WV 4 $1,040,000 $260,000 $4,877 2.94%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 6 $1,020,000 $170,000 $5,791 2.87%
MACON-BIBB COUNTY, GA 4 $1,020,000 $255,000 $3,096 2.75%
ALBUQUERQUE, NM 3 $1,005,000 $335,000 $3,615 2.79%
CLARKSVILLE, TN-KY 5 $1,005,000 $201,000 $2,405 2.93%
OKLAHOMA CITY, OK 5 $995,000 $199,000 $2,866 3.13%
WACO, TX 7 $985,000 $140,714 $3,208 3.36%
SEBASTIAN-VERO BEACH, FL 4 $980,000 $245,000 $7,405 3.06%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 3 $975,000 $325,000 $1,439 2.87%
MONTGOMERY, AL 4 $970,000 $242,500 $5,094 2.81%
DOVER, DE 5 $965,000 $193,000 $4,136 3.40%
DAPHNE-FAIRHOPE-FOLEY, AL 4 $920,000 $230,000 $2,134 3.00%
EAST STROUDSBURG, PA 4 $890,000 $222,500 $4,933 3.38%
GAINESVILLE, FL 5 $885,000 $177,000 $7,353 2.53%
EVANSVILLE, IN-KY 4 $880,000 $220,000 $1,366 2.75%
LA CROSSE-ONALASKA, WI-MN 4 $880,000 $220,000 $1,147 3.22%
DETROIT-DEARBORN-LIVONIA, MI 3 $865,000 $288,333 $1,970 2.88%
LANSING-EAST LANSING, MI 4 $860,000 $215,000 $4,205 3.00%
CARSON CITY, NV 2 $860,000 $430,000 $8,844 2.75%
DES MOINES-WEST DES MOINES, IA 3 $855,000 $285,000 $3,641 2.71%
GREEN BAY, WI 3 $835,000 $278,333 $7,225 2.92%
BATON ROUGE, LA 3 $835,000 $278,333 $3,774 2.83%
WICHITA, KS 4 $820,000 $205,000 $608 3.41%
EL PASO, TX 3 $805,000 $268,333 $3,228 2.25%
GULFPORT-BILOXI, MS 4 $770,000 $192,500 $4,136 3.09%
SHERMAN-DENISON, TX 4 $770,000 $192,500 $4,059 3.13%
CORPUS CHRISTI, TX 3 $755,000 $251,667 $4,967 2.79%
GREAT FALLS, MT 3 $745,000 $248,333 $6,735 2.46%
DOTHAN, AL 3 $725,000 $241,667 $5,777 2.63%
SCRANTON--WILKES-BARRE, PA 4 $720,000 $180,000 $2,165 2.84%
LYNCHBURG, VA 2 $710,000 $355,000 $2,493 2.75%
REDDING, CA 3 $705,000 $235,000 $2,492 3.46%
COLUMBIA, MO 3 $705,000 $235,000 $2,592 3.38%
ST. GEORGE, UT 2 $630,000 $315,000 $3,063 2.56%
RACINE, WI 4 $610,000 $152,500 $2,995 3.56%
ALEXANDRIA, LA 2 $600,000 $300,000 $82 2.56%
SAN ANGELO, TX 2 $580,000 $290,000 $2,315 3.06%
WAUSAU-WESTON, WI 3 $575,000 $191,667 $663 3.13%
ANNISTON-OXFORD, AL 3 $565,000 $188,333 $85 2.67%
MANSFIELD, OH 2 $530,000 $265,000 $2,458 2.63%
MUNCIE, IN 2 $520,000 $260,000 $1,653 3.00%
SPOKANE-SPOKANE VALLEY, WA 2 $520,000 $260,000 $1,653 3.56%
MCALLEN-EDINBURG-MISSION, TX 4 $510,000 $127,500 $2,250 2.47%
ANN ARBOR, MI 1 $505,000 $505,000 $8,151 2.75%
SPRINGFIELD, IL 2 $490,000 $245,000 $695 2.75%
MANHATTAN, KS 2 $440,000 $220,000 $2,584 2.56%
APPLETON, WI 1 $435,000 $435,000 $16,115 2.88%
WENATCHEE, WA 1 $425,000 $425,000 $1,840 2.50%
CAPE GIRARDEAU, MO-IL 1 $415,000 $415,000 $51 2.75%
MOUNT VERNON-ANACORTES, WA 1 $395,000 $395,000 $2,900 3.63%
TALLAHASSEE, FL 1 $385,000 $385,000 $5,149 3.00%
FAIRBANKS, AK 1 $385,000 $385,000 $1,446 2.88%
SYRACUSE, NY 1 $365,000 $365,000 $0 2.75%
EUGENE-SPRINGFIELD, OR 1 $365,000 $365,000 $4,343 2.99%
CHARLOTTESVILLE, VA 1 $365,000 $365,000 $5,279 3.13%
SOUTH BEND-MISHAWAKA, IN-MI 3 $365,000 $121,667 $2,551 3.29%
IOWA CITY, IA 1 $355,000 $355,000 $150 2.99%
LUBBOCK, TX 3 $355,000 $118,333 $3,360 3.54%
BOWLING GREEN, KY 2 $350,000 $175,000 $1,561 2.88%
YAKIMA, WA 1 $345,000 $345,000 $0 2.88%
LAFAYETTE, LA 1 $345,000 $345,000 $4,341 2.99%
TUSCALOOSA, AL 1 $325,000 $325,000 $7,558 3.25%
OLYMPIA-LACEY-TUMWATER, WA 1 $325,000 $325,000 $5,054 3.50%
CANTON-MASSILLON, OH 2 $320,000 $160,000 $2,483 3.19%
LAREDO, TX 1 $315,000 $315,000 $1,881 3.63%
MANKATO, MN 1 $305,000 $305,000 $7,568 3.25%
JACKSONVILLE, NC 2 $300,000 $150,000 $1,576 2.75%
WATERLOO-CEDAR FALLS, IA 1 $295,000 $295,000 $3,002 3.38%
CHAMPAIGN-URBANA, IL 1 $295,000 $295,000 $1,257 2.75%
MUSKEGON, MI 2 $290,000 $145,000 $2,865 2.56%
LEWISTON-AUBURN, ME 1 $285,000 $285,000 $6,262 2.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 1 $285,000 $285,000 $7,910 2.38%
OWENSBORO, KY 1 $275,000 $275,000 $4,794 3.25%
ERIE, PA 1 $275,000 $275,000 $3,844 2.99%
WARNER ROBINS, GA 1 $265,000 $265,000 $8,108 3.88%
MORGANTOWN, WV 1 $255,000 $255,000 $6,714 2.25%
DECATUR, AL 1 $255,000 $255,000 $1,868 2.25%
TERRE HAUTE, IN 1 $255,000 $255,000 $2,779 2.75%
JACKSON, TN 1 $255,000 $255,000 $2,703 2.63%
VINELAND-BRIDGETON, NJ 2 $250,000 $125,000 $3,183 3.81%
CLEVELAND, TN 1 $235,000 $235,000 $320 2.88%
HAMMOND, LA 1 $235,000 $235,000 $4,601 2.25%
HANFORD-CORCORAN, CA 1 $235,000 $235,000 $2,987 3.25%
HARRISONBURG, VA 1 $235,000 $235,000 $25 2.63%
CUMBERLAND, MD-WV 2 $230,000 $115,000 $3,008 3.25%
KANKAKEE, IL 1 $225,000 $225,000 $6,938 2.75%
BECKLEY, WV 1 $225,000 $225,000 $0 2.75%
BEND, OR 1 $225,000 $225,000 $3,466 2.75%
ROME, GA 1 $225,000 $225,000 $4,727 2.63%
LAS CRUCES, NM 1 $215,000 $215,000 $3,563 2.50%
ABILENE, TX 1 $215,000 $215,000 $7,435 2.25%
HINESVILLE, GA 1 $215,000 $215,000 $5,900 2.75%
MORRISTOWN, TN 1 $215,000 $215,000 $0 3.25%
FAYETTEVILLE, NC 1 $205,000 $205,000 $2,411 2.75%
FARGO, ND-MN 1 $205,000 $205,000 $5,393 3.38%
ALBANY-SCHENECTADY-TROY, NY 1 $205,000 $205,000 $5,574 2.38%
ST. JOSEPH, MO-KS 1 $195,000 $195,000 $6,368 3.38%
SPRINGFIELD, OH 1 $185,000 $185,000 $6,511 3.63%
LIMA, OH 1 $175,000 $175,000 $3,408 3.13%
VALDOSTA, GA 1 $165,000 $165,000 $6,035 2.75%
FORT SMITH, AR-OK 1 $165,000 $165,000 $3,693 3.38%
NEW BERN, NC 1 $165,000 $165,000 $0 3.50%
SIERRA VISTA-DOUGLAS, AZ 1 $165,000 $165,000 $3,032 3.38%
ROCHESTER, NY 1 $155,000 $155,000 $3,276 3.99%
JOPLIN, MO 1 $145,000 $145,000 $66 2.88%
DUBUQUE, IA 1 $145,000 $145,000 $3,497 2.25%
YUMA, AZ 1 $145,000 $145,000 $4,022 3.13%
TOLEDO, OH 1 $145,000 $145,000 $3,612 2.99%
TOPEKA, KS 1 $135,000 $135,000 $0 2.99%
JOHNSON CITY, TN 1 $135,000 $135,000 $0 2.25%
ROANOKE, VA 1 $135,000 $135,000 $4,310 3.50%
CHARLESTON, WV 1 $125,000 $125,000 $3,912 2.88%
JEFFERSON CITY, MO 1 $125,000 $125,000 $553 2.38%
DALTON, GA 1 $125,000 $125,000 $4,676 2.50%
AUBURN-OPELIKA, AL 1 $115,000 $115,000 $0 5.38%
WALLA WALLA, WA 1 $105,000 $105,000 $1,784 3.00%
JACKSON, MI 1 $105,000 $105,000 $2,717 2.88%
BLOOMSBURG-BERWICK, PA 1 $105,000 $105,000 $4,617 3.38%
JOHNSTOWN, PA 1 $95,000 $95,000 $5,166 2.63%
ALBANY, GA 1 $95,000 $95,000 $6,631 3.50%
MONROE, MI 1 $65,000 $65,000 $2,097 3.13%

Guaranteed Rate Affinity 's top markets include Minneapolis, Chicago, Newark, Oakland, and Washington among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 14,486 $5,124,900,000 $353,783
3-4% 14,018 $4,799,940,000 $342,413
<2.5% 3,056 $947,570,000 $310,069
4-5% 913 $251,605,000 $275,581
5-6% 89 $19,315,000 $217,022
7-8% 19 $115,000 $6,053
6-7% 7 $45,000 $6,429

During 2020, Guaranteed Rate Affinity 's average interest rate was 3.14%, while their most frequently originated rate bucket was 2.5-3%, with 14,486 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 15,428 $4,460,140,000 $289,094 $4,633 3.09%
$400k-600k 6,606 $3,174,020,000 $480,475 $5,144 3.06%
$100k-200k 6,402 $1,007,060,000 $157,304 $3,930 3.17%
$600k-1MM 2,572 $1,865,250,000 $725,214 $6,580 3.10%
$100,000 or less 1,136 $65,100,000 $57,306 $3,299 2.80%
$1MM+ 444 $571,920,000 $1,288,108 $8,617 3.13%

2020 saw Guaranteed Rate Affinity place emphasis on $200k-400k loans with 15,428 originations, totaling $4,460,140,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 8,005 $2,766,825,000 $345,637 $4,729 3.11%
$150k-250k 6,685 $3,006,005,000 $449,664 $4,883 3.11%
$50k-75k 5,759 $1,257,855,000 $218,416 $4,844 3.09%
$75k-100k 5,393 $1,513,075,000 $280,563 $4,931 3.11%
$250k+ 2,868 $1,788,740,000 $623,689 $5,566 3.11%
$50k or less 2,864 $449,220,000 $156,851 $4,375 3.09%

Guaranteed Rate Affinity lent most frequently to those with incomes in the $100k-150k range, with 8,005 originations. The second most popular income band? $150k-250k, with 6,685 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 7,436 $2,624,290,000 $352,917 $4,293 3.07%
30-36% 6,110 $2,180,420,000 $356,861 $4,701 3.13%
<20% 2,589 $798,055,000 $308,248 $3,786 2.91%
44% 1,296 $402,270,000 $310,394 $5,236 3.22%
41% 1,210 $406,800,000 $336,198 $5,154 3.17%
42% 1,191 $437,535,000 $367,368 $5,291 3.17%
39% 1,184 $440,420,000 $371,976 $5,186 3.16%
43% 1,163 $379,035,000 $325,911 $5,052 3.17%
40% 1,163 $401,265,000 $345,026 $5,313 3.15%
38% 1,155 $397,105,000 $343,814 $4,968 3.16%
37% 1,094 $390,310,000 $356,773 $5,130 3.14%
36% 1,026 $360,320,000 $351,189 $4,843 3.12%
50-60% 961 $301,075,000 $313,293 $8,042 3.00%
45% 856 $264,540,000 $309,042 $5,211 3.14%
49% 843 $273,555,000 $324,502 $5,447 3.16%
48% 759 $234,715,000 $309,242 $5,467 3.11%
47% 720 $230,100,000 $319,583 $5,458 3.16%
46% 717 $226,135,000 $315,391 $5,251 3.14%
>60% 94 $31,740,000 $337,660 $5,483 2.83%

Guaranteed Rate Affinity lent most frequently to those with DTI ratios of 20-30%, with 7,436 originations. The next most common DTI ratio? 30-36%, with 6,110 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 22,828 $7,624,150,000 $333,982 $4,696 3.10%
Not provided 5,694 $2,050,850,000 $360,177 $4,768 3.08%
Asian 1,368 $612,610,000 $447,814 $4,761 3.07%
Black 1,842 $494,810,000 $268,626 $6,188 3.08%
Asian Indian 307 $147,495,000 $480,440 $4,753 3.05%
American Indian 203 $63,435,000 $312,488 $5,410 3.06%
Other Asian 90 $35,060,000 $389,556 $4,933 3.06%
Filipino 70 $30,630,000 $437,571 $5,697 3.09%
Chinese 56 $27,910,000 $498,393 $4,276 2.98%
Korean 33 $16,235,000 $491,970 $6,416 2.95%
Japanese 29 $16,195,000 $558,448 $4,881 3.27%
Other Pacific Islander 26 $8,960,000 $344,615 $6,932 2.97%
Native Hawaiian 22 $6,490,000 $295,000 $4,644 2.94%
Vietnamese 14 $6,370,000 $455,000 $5,022 2.95%
Native Hawiian 4 $1,540,000 $385,000 $4,996 3.09%
Guamanian 1 $645,000 $645,000 $3,048 2.63%
Samoan 1 $105,000 $105,000 $5,275 2.75%

Approval Rates

Total approvals of all applications
95.50%

Guaranteed Rate Affinity has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
64.66%

Guaranteed Rate Affinity has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 32,588 $11,143,490,000 $341,951

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 1 $165,000 $165,000
Single Family (1-4 Units):Manufactured 108 $18,830,000 $174,352
Single Family (1-4 Units):Site-Built 32,479 $11,124,495,000 $342,513

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,224 $337,880,000 $276,046 $3,414 2.99%
40-60% 3,588 $1,248,530,000 $347,974 $3,546 3.01%
60-80% 10,353 $3,964,915,000 $382,973 $4,127 3.16%
80-100% 16,170 $5,286,010,000 $326,902 $5,224 3.11%
Over 100% 791 $279,985,000 $353,963 $12,398 2.92%
Under 20% 462 $26,170,000 $56,645 $3,043 1.92%