Guaranteed Rate Affinity Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 54930001NSTOD85LT125
Tax ID: 81-5294275
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 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
32,588Origination Dollar Volume (All Markets)
$11,143,490,000Relative 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 applications95.50%
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 origination64.66%
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% |