Guaranteed Rate Affinity Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 54930001NSTOD85LT125
Tax ID: 81-5294275
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include San Francisco, New York, Chicago, Boston, and Los Angeles among others. Guaranteed Rate Affinity has an above average approval rate for mortages when compared nationally. 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
39,616Origination Dollar Volume (All Markets)
$15,402,190,000Awards
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GUARANTEED RATE AFFINITY - 2021
GUARANTEED RATE AFFINITY is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Guaranteed Rate Affinity 's average 30 year fixed rate mortgage of loans were
3%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.15%.
Relative Fees
Guaranteed Rate Affinity 's average total fees for a 30 year fixed rate
mortgage are $5,083.
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 $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2,032 | $1,614,770,000 | $794,670 | $5,416 | 2.93% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3,078 | $1,555,320,000 | $505,302 | $5,661 | 2.90% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2,854 | $843,830,000 | $295,666 | $4,697 | 2.92% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1,653 | $789,885,000 | $477,849 | $4,155 | 2.90% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1,096 | $748,630,000 | $683,057 | $5,917 | 2.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2,587 | $725,945,000 | $280,613 | $4,161 | 2.86% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 811 | $657,355,000 | $810,549 | $5,317 | 2.92% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1,030 | $521,710,000 | $506,515 | $5,655 | 2.78% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1,266 | $440,490,000 | $347,938 | $4,702 | 2.86% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 951 | $430,745,000 | $452,939 | $4,147 | 2.94% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 881 | $402,775,000 | $457,179 | $5,554 | 3.02% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,071 | $323,655,000 | $302,199 | $5,077 | 2.92% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 695 | $299,585,000 | $431,058 | $4,704 | 2.96% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 472 | $280,280,000 | $593,814 | $5,668 | 2.89% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1,191 | $266,185,000 | $223,497 | $5,189 | 2.94% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1,076 | $260,310,000 | $241,924 | $3,589 | 2.98% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 705 | $226,955,000 | $321,922 | $5,068 | 2.97% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 731 | $218,825,000 | $299,350 | $5,377 | 3.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 692 | $213,800,000 | $308,960 | $5,225 | 2.97% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 605 | $206,885,000 | $341,959 | $4,505 | 3.02% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 552 | $199,840,000 | $362,029 | $5,463 | 2.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 669 | $193,925,000 | $289,873 | $5,208 | 2.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 658 | $188,770,000 | $286,884 | $5,090 | 2.98% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 432 | $179,620,000 | $415,787 | $6,703 | 2.95% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 591 | $162,135,000 | $274,340 | $5,227 | 3.07% |
| COLUMBIA, SC (FHA|USDA|VA) | 685 | $160,355,000 | $234,095 | $4,522 | 2.97% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 523 | $154,105,000 | $294,656 | $4,700 | 3.02% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 242 | $119,370,000 | $493,264 | $5,349 | 3.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 382 | $118,900,000 | $311,257 | $5,292 | 2.91% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 500 | $118,040,000 | $236,080 | $3,943 | 3.01% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 469 | $117,845,000 | $251,269 | $4,563 | 2.96% |
| BOULDER, CO (FHA|USDA|VA) | 200 | $97,570,000 | $487,850 | $3,834 | 2.96% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 229 | $95,705,000 | $417,926 | $5,488 | 3.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 286 | $93,650,000 | $327,448 | $3,904 | 2.98% |
| TUCSON, AZ (FHA|USDA|VA) | 355 | $93,265,000 | $262,718 | $4,286 | 2.91% |
| Outside of Metro Areas | 335 | $91,165,000 | $272,134 | $4,556 | 2.94% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 261 | $88,815,000 | $340,287 | $5,040 | 2.91% |
| COLUMBUS, OH (FHA|USDA|VA) | 332 | $87,710,000 | $264,187 | $4,174 | 3.06% |
| PROVO-OREM, UT (FHA|USDA|VA) | 231 | $77,735,000 | $336,515 | $4,218 | 3.11% |
| SALINAS, CA (FHA|USDA|VA) | 136 | $76,300,000 | $561,029 | $5,086 | 2.93% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 223 | $70,605,000 | $316,614 | $4,283 | 2.93% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 236 | $62,500,000 | $264,831 | $4,994 | 2.97% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 103 | $61,105,000 | $593,252 | $5,940 | 2.85% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 137 | $51,235,000 | $373,978 | $5,659 | 2.96% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 142 | $50,720,000 | $357,183 | $3,871 | 3.02% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 70 | $47,350,000 | $676,429 | $5,036 | 2.89% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 169 | $46,735,000 | $276,538 | $4,879 | 2.94% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 164 | $45,360,000 | $276,585 | $2,714 | 3.01% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 102 | $42,600,000 | $417,647 | $5,510 | 3.08% |
| ROCHESTER, MN (FHA|USDA|VA) | 171 | $37,595,000 | $219,854 | $3,799 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 103 | $36,765,000 | $356,942 | $4,526 | 2.98% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 100 | $35,570,000 | $355,700 | $4,844 | 2.90% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 120 | $35,040,000 | $292,000 | $4,681 | 2.97% |
| GREELEY, CO (FHA|USDA|VA) | 93 | $33,725,000 | $362,634 | $4,295 | 2.91% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 116 | $33,450,000 | $288,362 | $6,989 | 2.97% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 55 | $33,285,000 | $605,182 | $4,077 | 2.90% |
| Torrington, CT (FHA|USDA|VA) | 124 | $31,800,000 | $256,452 | $5,806 | 3.03% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 88 | $30,680,000 | $348,636 | $4,457 | 2.83% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 107 | $30,615,000 | $286,121 | $4,837 | 3.16% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 130 | $28,680,000 | $220,615 | $4,392 | 3.12% |
| STOCKTON, CA (FHA|USDA|VA) | 72 | $28,110,000 | $390,417 | $4,199 | 3.01% |
| VALLEJO, CA (FHA|USDA|VA) | 62 | $25,130,000 | $405,323 | $4,517 | 3.03% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 99 | $24,545,000 | $247,929 | $5,678 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 69 | $23,595,000 | $341,957 | $5,620 | 2.96% |
| SUMTER, SC (FHA|USDA|VA) | 94 | $21,340,000 | $227,021 | $5,882 | 2.80% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 46 | $21,300,000 | $463,043 | $4,216 | 2.96% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 69 | $21,195,000 | $307,174 | $3,521 | 2.93% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 86 | $20,040,000 | $233,023 | $5,688 | 2.99% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 46 | $19,220,000 | $417,826 | $4,000 | 3.07% |
| Payson, AZ (FHA|USDA|VA) | 70 | $17,990,000 | $257,000 | $3,653 | 3.08% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 72 | $17,610,000 | $244,583 | $4,688 | 3.11% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 68 | $17,210,000 | $253,088 | $5,028 | 2.93% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 65 | $17,045,000 | $262,231 | $4,814 | 2.99% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 52 | $16,580,000 | $318,846 | $5,644 | 2.98% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 51 | $15,265,000 | $299,314 | $4,899 | 3.13% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 75 | $14,775,000 | $197,000 | $5,157 | 3.17% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 31 | $14,025,000 | $452,419 | $6,365 | 3.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 58 | $13,290,000 | $229,138 | $3,941 | 3.08% |
| Laconia, NH (FHA|USDA|VA) | 45 | $13,085,000 | $290,778 | $3,822 | 3.14% |
| ST. CLOUD, MN (FHA|USDA|VA) | 62 | $12,310,000 | $198,548 | $3,652 | 2.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 51 | $12,065,000 | $236,569 | $5,809 | 3.10% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 53 | $11,985,000 | $226,132 | $5,610 | 2.97% |
| MODESTO, CA (FHA|USDA|VA) | 29 | $11,795,000 | $406,724 | $3,999 | 3.03% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 36 | $10,630,000 | $295,278 | $2,967 | 2.79% |
| NAPA, CA (FHA|USDA|VA) | 18 | $10,580,000 | $587,778 | $4,338 | 3.01% |
| LANCASTER, PA (FHA|USDA|VA) | 45 | $10,435,000 | $231,889 | $5,447 | 3.08% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 31 | $10,405,000 | $335,645 | $1,682 | 2.65% |
| Heber, UT (FHA|USDA|VA) | 20 | $10,110,000 | $505,500 | $6,192 | 3.33% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 27 | $9,355,000 | $346,481 | $5,421 | 3.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 22 | $8,940,000 | $406,364 | $7,498 | 2.92% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 13 | $8,555,000 | $658,077 | $4,021 | 2.93% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 32 | $8,410,000 | $262,813 | $3,354 | 2.89% |
| READING, PA (FHA|USDA|VA) | 40 | $8,140,000 | $203,500 | $4,739 | 3.06% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 16 | $8,090,000 | $505,625 | $5,082 | 3.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 23 | $8,045,000 | $349,783 | $4,910 | 2.68% |
| RENO, NV (FHA|USDA|VA) | 16 | $7,850,000 | $490,625 | $5,270 | 3.14% |
| Concord, NH (FHA|USDA|VA) | 27 | $7,565,000 | $280,185 | $4,727 | 3.07% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 19 | $7,315,000 | $385,000 | $4,715 | 2.99% |
| Breckenridge, CO (FHA|USDA|VA) | 12 | $7,300,000 | $608,333 | $3,556 | 3.15% |
| FRESNO, CA (FHA|USDA|VA) | 24 | $7,240,000 | $301,667 | $4,010 | 3.07% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 20 | $7,100,000 | $355,000 | $2,340 | 2.97% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 29 | $7,015,000 | $241,897 | $4,969 | 3.02% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 19 | $6,965,000 | $366,579 | $2,779 | 2.85% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 16 | $6,900,000 | $431,250 | $4,975 | 3.03% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 23 | $6,195,000 | $269,348 | $4,560 | 2.72% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 19 | $6,035,000 | $317,632 | $2,214 | 2.78% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 18 | $6,030,000 | $335,000 | $3,340 | 2.99% |
| RACINE, WI (FHA|USDA|VA) | 27 | $5,875,000 | $217,593 | $4,531 | 3.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 22 | $5,840,000 | $265,455 | $3,759 | 3.04% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $5,650,000 | $353,125 | $4,497 | 2.71% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 18 | $5,580,000 | $310,000 | $2,090 | 2.93% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 18 | $5,470,000 | $303,889 | $4,874 | 2.82% |
| TYLER, TX (FHA|USDA|VA) | 25 | $5,325,000 | $213,000 | $4,166 | 2.90% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 13 | $5,285,000 | $406,538 | $4,483 | 3.06% |
| Clearlake, CA (FHA|USDA|VA) | 17 | $5,235,000 | $307,941 | $5,781 | 3.04% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 10 | $5,030,000 | $503,000 | $4,621 | 2.94% |
| KINGSTON, NY (FHA|USDA|VA) | 8 | $4,580,000 | $572,500 | $5,614 | 3.04% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 19 | $4,465,000 | $235,000 | $4,265 | 2.73% |
| BOISE CITY, ID (FHA|USDA|VA) | 13 | $4,265,000 | $328,077 | $4,020 | 2.86% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 18 | $4,240,000 | $235,556 | $3,988 | 2.83% |
| PANAMA CITY, FL (FHA|USDA|VA) | 13 | $4,195,000 | $322,692 | $6,463 | 2.74% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 16 | $4,190,000 | $261,875 | $4,932 | 2.97% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 16 | $4,140,000 | $258,750 | $4,560 | 3.01% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 20 | $4,100,000 | $205,000 | $4,800 | 3.39% |
| NILES, MI (FHA|USDA|VA) | 14 | $3,980,000 | $284,286 | $2,915 | 2.92% |
| Edwards, CO (FHA|USDA|VA) | 4 | $3,920,000 | $980,000 | $7,311 | 3.13% |
| OCALA, FL (FHA|USDA|VA) | 17 | $3,775,000 | $222,059 | $5,575 | 3.20% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 11 | $3,775,000 | $343,182 | $4,806 | 2.82% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $3,655,000 | $332,273 | $1,019 | 2.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 9 | $3,605,000 | $400,556 | $3,002 | 2.57% |
| Lebanon, NH-VT (FHA|USDA|VA) | 15 | $3,555,000 | $237,000 | $4,071 | 2.98% |
| DOVER, DE (FHA|USDA|VA) | 14 | $3,460,000 | $247,143 | $4,594 | 3.22% |
| MERCED, CA (FHA|USDA|VA) | 11 | $3,415,000 | $310,455 | $6,044 | 3.09% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 8 | $3,410,000 | $426,250 | $983 | 2.97% |
| EL PASO, TX (FHA|USDA|VA) | 17 | $3,305,000 | $194,412 | $3,486 | 3.06% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 12 | $3,300,000 | $275,000 | $3,564 | 2.60% |
| PITTSFIELD, MA (FHA|USDA|VA) | 10 | $3,290,000 | $329,000 | $5,216 | 2.82% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 10 | $3,260,000 | $326,000 | $2,926 | 2.84% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 11 | $3,255,000 | $295,909 | $2,875 | 2.78% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $3,165,000 | $351,667 | $3,118 | 2.97% |
| PUEBLO, CO (FHA|USDA|VA) | 9 | $3,145,000 | $349,444 | $2,969 | 3.01% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 9 | $3,085,000 | $342,778 | $1,904 | 2.93% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 13 | $3,075,000 | $236,538 | $2,326 | 3.09% |
| Jefferson, GA (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $4,927 | 3.06% |
| CHICO, CA (FHA|USDA|VA) | 10 | $3,040,000 | $304,000 | $3,753 | 3.14% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 12 | $3,000,000 | $250,000 | $3,645 | 3.22% |
| Durango, CO (FHA|USDA|VA) | 7 | $2,995,000 | $427,857 | $2,787 | 3.03% |
| Whitewater, WI (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $3,030 | 3.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $2,925,000 | $325,000 | $3,694 | 2.69% |
| Ukiah, CA (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $7,199 | 3.17% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 13 | $2,825,000 | $217,308 | $4,078 | 3.22% |
| ST. GEORGE, UT (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $2,611 | 2.97% |
| YUBA CITY, CA (FHA|USDA|VA) | 10 | $2,780,000 | $278,000 | $3,436 | 2.95% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 13 | $2,695,000 | $207,308 | $3,256 | 2.86% |
| Red Wing, MN (FHA|USDA|VA) | 13 | $2,645,000 | $203,462 | $4,373 | 2.61% |
| MADERA, CA (FHA|USDA|VA) | 8 | $2,600,000 | $325,000 | $5,265 | 3.09% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $5,791 | 2.89% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $2,465,000 | $821,667 | $4,873 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $6,317 | 2.96% |
| Brainerd, MN (FHA|USDA|VA) | 8 | $2,340,000 | $292,500 | $3,391 | 2.61% |
| MADISON, WI (FHA|USDA|VA) | 6 | $2,330,000 | $388,333 | $1,701 | 3.04% |
| Show Low, AZ (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $2,729 | 2.94% |
| Glenwood Springs, CO (FHA|USDA|VA) | 7 | $2,275,000 | $325,000 | $3,759 | 2.91% |
| Somerset, PA (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $5,253 | 3.19% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $3,557 | 3.56% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 5 | $2,175,000 | $435,000 | $3,609 | 2.70% |
| Winona, MN (FHA|USDA|VA) | 10 | $2,140,000 | $214,000 | $4,358 | 2.89% |
| AKRON, OH (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $2,198 | 3.02% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $2,095,000 | $698,333 | $2,693 | 2.79% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $2,070,000 | $207,000 | $3,862 | 3.20% |
| New Castle, PA (FHA|USDA|VA) | 15 | $2,055,000 | $137,000 | $5,061 | 3.15% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $3,988 | 2.92% |
| MONTGOMERY, AL (FHA|USDA|VA) | 10 | $2,010,000 | $201,000 | $3,864 | 3.08% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $2,525 | 2.82% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 9 | $1,995,000 | $221,667 | $2,324 | 3.03% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $1,990,000 | $331,667 | $3,607 | 2.90% |
| Newberry, SC (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $4,766 | 3.03% |
| Jackson, WY-ID (FHA|USDA|VA) | 4 | $1,950,000 | $487,500 | $6,580 | 3.53% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 10 | $1,950,000 | $195,000 | $5,124 | 2.83% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $2,782 | 2.85% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,920,000 | $320,000 | $3,651 | 2.90% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $6,744 | 2.89% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $4,476 | 3.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $1,211 | 2.78% |
| WACO, TX (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $2,915 | 3.35% |
| Key West, FL (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $5,430 | 2.60% |
| BEND, OR (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $3,470 | 2.75% |
| Pottsville, PA (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $3,534 | 2.83% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $4,251 | 2.46% |
| Sonora, CA (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $5,344 | 3.04% |
| DULUTH, MN-WI (FHA|USDA|VA) | 9 | $1,595,000 | $177,222 | $4,164 | 3.10% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $3,776 | 3.03% |
| Hutchinson, MN (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $3,976 | 3.05% |
| Georgetown, SC (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $2,851 | 3.00% |
| Nogales, AZ (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $4,714 | 3.10% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $2,220 | 2.83% |
| ANN ARBOR, MI (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $1,310 | 2.90% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $3,282 | 2.93% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 10 | $1,430,000 | $143,000 | $6,573 | 3.51% |
| GAINESVILLE, FL (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $4,596 | 2.63% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $3,093 | 3.69% |
| LEBANON, PA (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $3,694 | 3.11% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $7,276 | 2.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $3,923 | 3.06% |
| Bellefontaine, OH (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $4,821 | 2.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $1,748 | 2.78% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $4,498 | 2.94% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $2,332 | 3.21% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $4,375 | 2.69% |
| Cambridge, MD (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $4,761 | 2.77% |
| GETTYSBURG, PA (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $4,773 | 2.85% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $3,984 | 3.37% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $3,510 | 3.07% |
| Lufkin, TX (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $6,915 | 2.81% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $3,220 | 2.88% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $2,328 | 3.00% |
| Menomonie, WI (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $6,227 | 3.21% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $3,837 | 2.72% |
| THE VILLAGES, FL (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $3,070 | 2.96% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $55 | 2.44% |
| DALTON, GA (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $4,931 | 2.98% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $2,799 | 2.91% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,048 | 2.33% |
| Athens, OH (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,453 | 3.37% |
| LOGAN, UT-ID (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $5,571 | 3.04% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $5,249 | 2.42% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $2,501 | 2.81% |
| ROCKFORD, IL (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $2,847 | 2.94% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $3,974 | 3.03% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $2,117 | 2.67% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $847 | 2.94% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $1,822 | 2.31% |
| Orangeburg, SC (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $5,191 | 3.27% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $4,647 | 3.03% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,579 | 3.17% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $3,117 | 2.81% |
| Ottawa, IL (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $3,633 | 3.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $671 | 2.25% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $4,316 | 2.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $2,449 | 3.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $3,244 | 2.96% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $7,289 | 2.68% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,421 | 2.77% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $400 | 2.50% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $1,092 | 2.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $1,250 | 2.67% |
| Austin, MN (FHA|USDA|VA) | 8 | $890,000 | $111,250 | $3,117 | 2.23% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $4,707 | 2.93% |
| Seneca, SC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,496 | 3.06% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $5,251 | 3.28% |
| Safford, AZ (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,445 | 2.94% |
| KANKAKEE, IL (FHA|USDA|VA) | 6 | $840,000 | $140,000 | $3,421 | 2.94% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $1,409 | 2.67% |
| Mount Vernon, OH (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $3,047 | 3.03% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,832 | 2.96% |
| Oil City, PA (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $6,732 | 3.45% |
| Marion, OH (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $5,100 | 3.10% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,450 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,584 | 2.87% |
| Urbana, OH (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $5,226 | 3.20% |
| Holland, MI (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,111 | 3.08% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $8,218 | 3.04% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,558 | 3.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $2,549 | 2.72% |
| Outside of Metro Areas | 3 | $745,000 | $248,333 | $0 | 3.54% |
| St. Marys, GA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,573 | 3.12% |
| TULSA, OK (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $1,709 | 2.42% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $2,879 | 3.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,979 | 2.81% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,940 | 3.06% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,745 | 3.44% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,985 | 2.88% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $19,180 | 3.06% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,981 | 3.62% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $8,175 | 3.37% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $12,229 | 3.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $1,069 | 2.50% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 2.62% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $1,468 | 2.46% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,897 | 3.00% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $1,483 | 3.00% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $823 | 2.75% |
| Sanford, NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,448 | 3.25% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,646 | 2.83% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 2.87% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,078 | 2.81% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,572 | 3.31% |
| Boone, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,787 | 3.19% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,667 | 3.13% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,782 | 2.99% |
| Rockport, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,259 | 2.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,091 | 2.88% |
| Owatonna, MN (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,379 | 2.88% |
| Farmington, MO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,339 | 2.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $1,556 | 2.40% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,590 | 2.62% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,366 | 3.06% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $1,531 | 2.81% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $2,744 | 3.13% |
| London, KY (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $8,109 | 2.25% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $1,664 | 2.97% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $9,519 | 2.25% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,149 | 3.63% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,263 | 3.50% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $691 | 2.56% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $13,872 | 2.75% |
| Brevard, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,315 | 2.99% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,304 | 2.50% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,073 | 3.25% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,298 | 3.38% |
| Keene, NH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,612 | 3.06% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,789 | 2.95% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,328 | 2.56% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,642 | 2.69% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,660 | 3.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $879 | 2.88% |
| Hudson, NY (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,001 | 3.25% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,403 | 2.93% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,595 | 3.38% |
| Indiana, PA (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $3,739 | 3.12% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,682 | 3.25% |
| Andrews, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,698 | 2.99% |
| Meadville, PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,161 | 3.13% |
| Ruston, LA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 2.75% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,575 | 2.99% |
| Platteville, WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,663 | 3.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,439 | 2.50% |
| Crossville, TN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,494 | 3.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,755 | 2.67% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,714 | 2.25% |
| ROME, GA (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $4,947 | 3.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,930 | 3.06% |
| Adrian, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,878 | 2.69% |
| Fernley, NV (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,364 | 2.87% |
| Arcadia, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,967 | 3.44% |
| SALEM, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,964 | 2.88% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $170 | 3.00% |
| Forest City, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,496 | 3.13% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 2.63% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,368 | 3.12% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,581 | 2.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,294 | 2.75% |
| El Campo, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,411 | 3.31% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,613 | 3.13% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,442 | 3.12% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,079 | 3.12% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,332 | 2.99% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,048 | 2.81% |
| LIMA, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $265 | 2.99% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,944 | 2.88% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,564 | 2.63% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,091 | 2.50% |
| Palatka, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,794 | 3.81% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,132 | 2.94% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,196 | 3.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $763 | 3.25% |
| Kearney, NE (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $150 | 2.63% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,883 | 3.00% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,533 | 2.44% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,968 | 2.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,076 | 2.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,240 | 2.25% |
| Bay City, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,826 | 3.00% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,688 | 3.56% |
| Marquette, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $200 | 2.88% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,325 | 2.75% |
| Dublin, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,913 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,001 | 2.56% |
| Bennington, VT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,542 | 2.63% |
| Coldwater, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,071 | 3.00% |
| Evanston, WY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $600 | 3.00% |
| Duncan, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,705 | 2.38% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,876 | 3.13% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,765 | 2.63% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 2.99% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 2.63% |
| Palestine, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,116 | 2.25% |
| Berlin, NH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,168 | 3.44% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,317 | 2.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $101 | 3.00% |
| Willmar, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,001 | 3.13% |
| MONROE, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,312 | 2.25% |
| Durant, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,671 | 2.25% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.13% |
| Ashland, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,630 | 3.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,766 | 2.75% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,700 | 3.13% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 2.88% |
| Brookings, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,821 | 2.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,218 | 2.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,009 | 3.13% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $100 | 2.63% |
| Vernal, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,116 | 2.88% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,854 | 3.38% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,562 | 2.75% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,204 | 2.75% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,567 | 2.75% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,663 | 2.50% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,049 | 2.88% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 2.38% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,635 | 2.99% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,195 | 3.38% |
| Sterling, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,363 | 2.99% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,532 | 2.88% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $410 | 2.75% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,951 | 2.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,120 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,249 | 3.75% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.25% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,628 | 2.88% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,424 | 3.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 3.06% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,688 | 2.25% |
| Minot, ND (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $457 | 2.38% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,569 | 2.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $85 | 2.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,296 | 3.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.50% |
| Waycross, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,709 | 2.50% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,098 | 2.38% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,609 | 2.50% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,516 | 2.63% |
| Athens, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,135 | 2.38% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,166 | 3.50% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,285 | 2.63% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,395 | 2.75% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.63% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,658 | 3.50% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,383 | 2.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,757 | 2.38% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,600 | 2.88% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,870 | 2.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,454 | 2.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,147 | 2.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,897 | 3.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,284 | 2.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.25% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,020 | 2.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,292 | 2.25% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,295 | 2.99% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,370 | 2.00% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,955 | 2.75% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $758 | 3.25% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,507 | 3.13% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,252 | 3.06% |
| Tifton, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.81% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,641 | 3.13% |
| Atmore, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $950 | 3.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,355 | 3.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,977 | 2.38% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.25% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,407 | 3.13% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,921 | 3.25% |
| Shelby, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,936 | 3.13% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,404 | 2.75% |
| Barre, VT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,562 | 2.63% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,541 | 2.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,562 | 3.50% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,309 | 3.00% |
| Ludington, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,688 | 2.63% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,303 | 2.75% |
| Susanville, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,052 | 3.50% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,515 | 2.99% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,590 | 2.50% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,113 | 3.25% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,034 | 2.99% |
| Price, UT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,918 | 3.13% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,968 | 3.13% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,108 | 3.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,185 | 3.38% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,901 | 2.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,764 | 3.50% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,610 | 3.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $963 | 2.63% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,704 | 3.13% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,762 | 3.00% |
| Winfield, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,903 | 2.63% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,811 | 2.38% |
| Sterling, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,214 | 2.88% |
| Americus, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,641 | 2.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,303 | 2.50% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,034 | 2.75% |
Guaranteed Rate Affinity 's top markets include San Francisco, New York, Chicago, Boston, and Los Angeles among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 34,077 | $13,551,385,000 | $397,670 | $4,387 | 2.97% |
| FHA | 2,812 | $753,360,000 | $267,909 | $9,166 | 2.97% |
| VA | 2,639 | $1,079,835,000 | $409,183 | $6,683 | 2.59% |
| USDA | 88 | $17,610,000 | $200,114 | $6,009 | 2.94% |
For the 2021 period, Guaranteed Rate Affinity 's most frequently originated loan type of loans were Conventional, with 34,077 originations. Their 2nd most popular type is FHA, with 2,812 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 24,755 | $9,606,525,000 | $388,064 | $5,570 | 2.97% |
| Refi | 10,050 | $4,014,760,000 | $399,479 | $3,529 | 2.82% |
| Cash Out Refi | 4,811 | $1,780,905,000 | $370,174 | $4,201 | 3.07% |
For the 2021, Guaranteed Rate Affinity 's most frequently cited loan purpose of loans were Home Purchase, with 24,755 originations. The 2nd most popular reason of loans were Refi, with 10,050 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 34,719 | $14,047,455,000 | $404,604 | $5,083 | 3.00% |
| 15 Year | 3,183 | $894,895,000 | $281,148 | $3,408 | 2.42% |
| 20 Year | 1,176 | $350,170,000 | $297,764 | $3,316 | 2.80% |
| 10 Year | 240 | $30,410,000 | $126,708 | $3,031 | 2.84% |
| Other | 238 | $77,940,000 | $327,479 | $3,558 | 2.87% |
| 5 Year | 39 | $275,000 | $7,051 | $0 | 0.00% |
| 30+ year | 21 | $1,045,000 | $49,762 | $0 | 0.19% |
For the 2021, Guaranteed Rate Affinity 's most frequently cited loan length of loans were 30 Year, with 34,719 originations. The 2nd most popular length of loans were 15 Year, with 3,183 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 27,527 | $10,778,445,000 | $391,559 |
| $<1k | 4,039 | $1,344,175,000 | $332,799 |
| $2k-3k | 2,632 | $984,230,000 | $373,948 |
| $3k-4k | 2,056 | $888,290,000 | $432,048 |
| $5k+ | 1,137 | $734,095,000 | $645,642 |
$5,083 of loans were Guaranteed Rate Affinity 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 27,527 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 20,633 | $8,695,735,000 | $421,448 |
| 3-4% | 13,349 | $4,752,815,000 | $356,043 |
| <2.5% | 5,267 | $1,872,515,000 | $355,518 |
| 4-5% | 333 | $80,315,000 | $241,186 |
| 5-6% | 27 | $765,000 | $28,333 |
| 7-8% | 6 | $40,000 | $6,667 |
During 2021, Guaranteed Rate Affinity 's average interest rate of loans were 3.00%, while their most frequently originated rate bucket of loans were 2.5-3%, with 20,633 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 17,477 | $5,078,065,000 | $290,557 | $4,633 | 2.97% |
| $400k-600k | 8,133 | $3,959,465,000 | $486,839 | $5,132 | 2.94% |
| $100k-200k | 7,104 | $1,114,150,000 | $156,834 | $3,736 | 3.00% |
| $600k-1MM | 4,152 | $3,097,470,000 | $746,019 | $6,273 | 2.94% |
| $1MM+ | 1,496 | $2,079,270,000 | $1,389,886 | $7,969 | 2.88% |
| $100,000 or less | 1,254 | $73,770,000 | $58,828 | $3,261 | 2.47% |
2021 saw Guaranteed Rate Affinity place emphasis on $200k-400k loans with 17,477 originations, totaling $5,078,065,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 9,441 | $3,456,475,000 | $366,113 | $4,767 | 2.96% |
| $150k-250k | 8,412 | $4,081,480,000 | $485,197 | $4,997 | 2.94% |
| $50k-75k | 6,756 | $1,548,720,000 | $229,236 | $4,706 | 2.96% |
| $75k-100k | 6,260 | $1,803,340,000 | $288,073 | $4,757 | 2.97% |
| $250k+ | 4,827 | $3,740,965,000 | $775,008 | $5,945 | 2.93% |
| $50k or less | 3,325 | $539,385,000 | $162,221 | $4,334 | 2.92% |
Guaranteed Rate Affinity lent most frequently to those with incomes in the $100k-150k range, with 9,441 originations. The second most popular income band? $150k-250k, with 8,412 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 9,147 | $3,618,095,000 | $395,550 | $4,475 | 2.91% |
| 30-36% | 7,655 | $3,090,055,000 | $403,665 | $4,794 | 2.96% |
| <20% | 3,245 | $1,176,985,000 | $362,707 | $3,995 | 2.81% |
| 42% | 1,618 | $689,690,000 | $426,261 | $5,344 | 3.01% |
| 44% | 1,485 | $543,405,000 | $365,929 | $5,348 | 3.04% |
| 41% | 1,476 | $631,210,000 | $427,649 | $5,175 | 3.02% |
| 40% | 1,458 | $600,220,000 | $411,674 | $5,066 | 3.01% |
| 38% | 1,447 | $586,695,000 | $405,456 | $4,957 | 2.97% |
| 39% | 1,442 | $602,230,000 | $417,635 | $5,119 | 3.00% |
| 43% | 1,387 | $487,865,000 | $351,741 | $5,051 | 3.03% |
| 37% | 1,373 | $584,265,000 | $425,539 | $4,893 | 3.01% |
| 36% | 1,352 | $558,070,000 | $412,774 | $4,805 | 2.99% |
| 50-60% | 1,111 | $373,875,000 | $336,521 | $8,276 | 2.83% |
| 45% | 1,071 | $364,235,000 | $340,089 | $5,060 | 2.98% |
| 49% | 1,034 | $353,030,000 | $341,422 | $5,382 | 2.98% |
| 48% | 927 | $306,795,000 | $330,955 | $5,198 | 2.96% |
| 47% | 882 | $298,970,000 | $338,968 | $5,359 | 2.97% |
| 46% | 874 | $288,990,000 | $330,652 | $5,194 | 2.97% |
| >60% | 32 | $14,440,000 | $451,250 | $8,390 | 2.57% |
Guaranteed Rate Affinity lent most frequently to those with DTI ratios of 20-30%, with 9,147 originations. The next most common DTI ratio? 30-36%, with 7,655 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 26,530 | $9,909,150,000 | $373,507 | $4,716 | 2.94% |
| Not provided | 7,130 | $2,836,820,000 | $397,871 | $4,918 | 2.93% |
| Asian | 2,252 | $1,264,850,000 | $561,656 | $5,248 | 2.92% |
| Black | 2,387 | $707,815,000 | $296,529 | $6,085 | 3.03% |
| Asian Indian | 508 | $328,190,000 | $646,043 | $5,313 | 2.92% |
| American Indian | 294 | $90,200,000 | $306,803 | $5,206 | 2.99% |
| Chinese | 126 | $75,830,000 | $601,825 | $5,385 | 2.90% |
| Other Asian | 133 | $67,625,000 | $508,459 | $5,312 | 2.94% |
| Filipino | 92 | $44,230,000 | $480,761 | $5,540 | 2.99% |
| Korean | 54 | $31,010,000 | $574,259 | $6,123 | 2.93% |
| Japanese | 37 | $16,135,000 | $436,081 | $5,221 | 3.00% |
| Native Hawaiian | 29 | $11,855,000 | $408,793 | $4,986 | 2.95% |
| Vietnamese | 22 | $9,610,000 | $436,818 | $5,094 | 2.95% |
| Other Pacific Islander | 13 | $5,955,000 | $458,077 | $7,216 | 3.09% |
| Guamanian | 5 | $1,365,000 | $273,000 | $3,132 | 2.75% |
| Native Hawiian | 2 | $930,000 | $465,000 | $5,262 | 2.93% |
| Samoan | 2 | $620,000 | $310,000 | $4,420 | 2.93% |
Approval Rates
Total approvals of all applications95.53%
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 origination65.70%
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 | 39,616 | $15,402,190,000 | $388,787 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 39,616 | $15,402,190,000 | $388,787 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 1,901 | $607,465,000 | $319,550 | $3,605 | 2.79% |
| 40-60% | 5,634 | $2,218,070,000 | $393,694 | $3,769 | 2.82% |
| 60-80% | 14,012 | $5,980,760,000 | $426,831 | $4,375 | 3.01% |
| 80-100% | 16,852 | $6,301,630,000 | $373,940 | $5,437 | 2.99% |
| Over 100% | 605 | $237,635,000 | $392,785 | $14,222 | 2.76% |
| Under 20% | 612 | $56,630,000 | $92,533 | $3,609 | 1.78% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GUARANTEED RATE INC. | VA mortgage | Closing on a mortgage | 1 | 0.6% |
| GUARANTEED RATE INC. | VA mortgage | Trouble during payment process | 14 | 8.7% |
| GUARANTEED RATE INC. | VA mortgage | Struggling to pay mortgage | 1 | 0.6% |
| GUARANTEED RATE INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 34 | 21.1% |
| GUARANTEED RATE INC. | Conventional home mortgage | Closing on a mortgage | 12 | 7.5% |
| GUARANTEED RATE INC. | Conventional home mortgage | Improper use of your report | 1 | 0.6% |
| GUARANTEED RATE INC. | Conventional home mortgage | Incorrect information on your report | 1 | 0.6% |
| GUARANTEED RATE INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 1.9% |
| GUARANTEED RATE INC. | Conventional home mortgage | Trouble during payment process | 60 | 37.3% |
| GUARANTEED RATE INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 4.3% |
| GUARANTEED RATE INC. | FHA mortgage | Closing on a mortgage | 4 | 2.5% |
| GUARANTEED RATE INC. | FHA mortgage | Incorrect information on your report | 1 | 0.6% |
| GUARANTEED RATE INC. | FHA mortgage | Trouble during payment process | 12 | 7.5% |
| GUARANTEED RATE INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 2.5% |
| GUARANTEED RATE INC. | Other type of mortgage | Closing on a mortgage | 1 | 0.6% |
| GUARANTEED RATE INC. | Other type of mortgage | Trouble during payment process | 2 | 1.2% |
| GUARANTEED RATE INC. | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 1.9% |
