Lender in California · HMDA 2025
Guaranteed Rate Affinity, LLC mortgages in California
Guaranteed Rate Affinity, LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Guaranteed Rate Affinity, LLC originated 1,256 owner-occupied single-family loans in California from 1,319 completed applications.
Its median conventional purchase loan costs were $7,420 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
1,256
of 1,319 applications
Denial rate
2.5%
Purchase · CA 8.9%
Rate spread
+0.14 pts
Conv. · CA +0.09 pts
Loan amount
$715,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 981 | 946 | 2.5% | 6.625% | +0.14 pts | $7,420 | $715,000 |
| Refinance | 258 | 246 | 2.3% | 6.375% | −0.00 pts | $4,590 | $765,000 |
| Cash-out refinance | 80 | 64 | 20.0% | 6.750% | +0.21 pts | $5,590 | $525,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Guaranteed Rate Affinity, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sonoma County | 11 | 77 | 1.9% |
| Marin County | 12 | 48 | 2.1% |
| Santa Cruz County | 13 | 25 | 1.5% |
| San Benito County | 15 | 9 | 1.3% |
| San Mateo County | 21 | 61 | 1.0% |
| Santa Clara County | 23 | 127 | 0.8% |
| San Francisco County | 23 | 40 | 0.8% |
| Monterey County | 24 | 21 | 0.9% |
- Guaranteed Rate Affinity, LLC nationwide
- California mortgage market
- Guaranteed Rate Affinity, LLC in Pennsylvania
- Guaranteed Rate Affinity, LLC in Florida
- Guaranteed Rate Affinity, LLC in New Jersey
- Guaranteed Rate Affinity, LLC in Texas
- Guaranteed Rate Affinity, LLC in Illinois
- Guaranteed Rate Affinity, LLC in Massachusetts
- Guaranteed Rate Affinity, LLC in Missouri
- Guaranteed Rate Affinity, LLC in Minnesota
- Guaranteed Rate Affinity, LLC in Ohio
- Guaranteed Rate Affinity, LLC in Georgia
- Guaranteed Rate Affinity, LLC in Connecticut
- Guaranteed Rate Affinity, LLC in Colorado
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology