Guaranteed Rate Affinity, LLC mortgage approval rate & lending review
Guaranteed Rate Affinity, LLC decided 44,429 mortgage applications and funded 40,632 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Guaranteed Rate Affinity, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Guaranteed Rate Affinity, LLC at a glance
Approval is 6.5 points above the 86.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 35,052 / 37,291 | 99% | $345K | 34,771 |
| Home improvement loans | 72% | 339 / 474 | 73% | $75K | 248 |
| Cash-out refinance | 76% | 1,145 / 1,514 | 98% | $315K | 1,126 |
| Refinance | 89% | 1,643 / 1,839 | 98% | $455K | 1,617 |
| Investment property purchase | 91% | 2,341 / 2,583 | 99% | $275K | 2,322 |
| Investment cash-out refinance | 78% | 402 / 517 | 98% | $245K | 393 |
| Investment refinance | 82% | 131 / 160 | 98% | $345K | 129 |
| Investment home improvement | 63% | 32 / 51 | 81% | $85K | 26 |
Guaranteed Rate Affinity, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 89% | $335K | 4,908 | 4,309 |
| California | 94% | $765K | 3,995 | 3,700 |
| Illinois | 87% | $285K | 3,655 | 3,123 |
| Pennsylvania | 96% | $235K | 3,610 | 3,437 |
| New Jersey | 94% | $475K | 3,242 | 3,017 |
| Texas | 93% | $345K | 3,025 | 2,805 |
| Minnesota | 94% | $295K | 2,434 | 2,275 |
| Massachusetts | 94% | $545K | 2,193 | 2,051 |
| Ohio | 94% | $245K | 1,891 | 1,760 |
| Arizona | 90% | $325K | 1,696 | 1,496 |
| Georgia | 88% | $355K | 1,496 | 1,292 |
| Colorado | 95% | $465K | 1,426 | 1,334 |
| South Carolina | 92% | $255K | 1,402 | 1,279 |
| Missouri | 94% | $215K | 1,325 | 1,231 |
| Maryland | 95% | $415K | 1,256 | 1,190 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Guaranteed Rate Affinity, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 86% | 1,920 | 1,626 |
| Allegheny County, PA | Mortgage lenders | 96% | 960 | 921 |
| Hennepin County, MN | Mortgage lenders | 93% | 881 | 817 |
| Harris County, TX | Mortgage lenders | 96% | 697 | 660 |
| Hamilton County, OH | Mortgage lenders | 94% | 574 | 536 |
| Pima County, AZ | Mortgage lenders | 96% | 514 | 484 |
| Montgomery County, TX | Mortgage lenders | 99% | 460 | 452 |
| Middlesex County, MA | Mortgage lenders | 95% | 470 | 446 |
| Union County, NJ | Mortgage lenders | 98% | 394 | 383 |
| St. Charles County, MO | Mortgage lenders | 95% | 402 | 382 |
| Franklin County, OH | Mortgage lenders | 96% | 373 | 356 |
| Lexington County, SC | Mortgage lenders | 96% | 371 | 352 |
The county markets where Guaranteed Rate Affinity, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Guaranteed Rate Affinity, LLC
What is Guaranteed Rate Affinity, LLC's mortgage approval rate?
Guaranteed Rate Affinity, LLC approved 92.5% of the 44,429 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.5 points above the 86.0% national rate for the same mix of loan types.
How often do borrowers take the loan Guaranteed Rate Affinity, LLC offers?
Borrowers accepted 99% of the loans Guaranteed Rate Affinity, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Guaranteed Rate Affinity, LLC make?
The typical home purchase mortgage loan Guaranteed Rate Affinity, LLC made was $345K; across all loan types its typical loan ran from $75K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Guaranteed Rate Affinity, LLC lend?
Guaranteed Rate Affinity, LLC decided applications in 51 of the states Fat Boy Data covers, most of them in Florida, California and Illinois.
Can I apply to Guaranteed Rate Affinity, LLC directly?
Yes. Guaranteed Rate Affinity, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Guaranteed Rate Affinity, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Guaranteed Rate Affinity, LLC treats applications, then get a rate quote from the lender.