Purchase Originations
11,067
Ranked #35 nationally
Median Total Costs
$6,270
−6.1% vs national ($6,680)
↓ $51 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,640
Median Lender Credits
$140
Cost Rank (500+ vol.)
#304
among lenders with 500+ originations
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,937 | 6.575% | $5,933 | $1,640 |
| fha | 1,124 | 6.375% | $12,080 | $2,138 |
| va | 984 | 6.175% | $6,324 | $0 |
| usda | 22 | 6.037% | $6,968 | $1,640 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 955 | 6.500% | $7,418 | #51 |
| Pennsylvania | 949 | 6.525% | $7,199 | #22 |
| California | 927 | 6.550% | $7,593 | #42 |
| Texas | 825 | 6.375% | $4,826 | #78 |
| New Jersey | 805 | 6.550% | $6,478 | #20 |
| Illinois | 611 | 6.700% | $6,528 | #36 |
| Massachusetts | 582 | 6.500% | $5,821 | #17 |
| Minnesota | 530 | 6.600% | $5,777 | #28 |
| Missouri | 487 | 6.550% | $4,875 | #23 |
| Ohio | 471 | 6.625% | $4,906 | #58 |
| Georgia | 413 | 6.525% | $7,640 | #56 |
| Maryland | 382 | 6.575% | $5,781 | #36 |
| Colorado | 348 | 6.250% | $6,020 | #45 |
| Connecticut | 348 | 6.625% | $5,866 | #17 |
| Arizona | 326 | 6.513% | $5,810 | #55 |
| New York | 309 | 6.490% | $6,820 | #64 |
| Virginia | 296 | 6.350% | $6,236 | #61 |
| South Carolina | 285 | 6.500% | $5,993 | #59 |
| Wisconsin | 181 | 6.625% | $3,556 | #61 |
| North Carolina | 176 | 6.500% | $4,875 | #113 |
| Utah | 97 | 6.500% | $7,225 | #57 |
| Washington | 93 | 6.375% | $6,046 | #114 |
| Rhode Island | 84 | 6.500% | $7,558 | #31 |
| Kentucky | 76 | 6.612% | $5,242 | #96 |
| New Hampshire | 62 | 6.588% | $4,554 | #44 |
| Michigan | 52 | 6.500% | $2,425 | #149 |
| Indiana | 47 | 6.575% | $3,749 | — |
| Delaware | 44 | 6.625% | $5,550 | — |
| Alabama | 36 | 6.188% | $3,125 | — |
| District of Columbia | 34 | 6.500% | $8,002 | — |
| Tennessee | 34 | 6.375% | $1,383 | — |
| Louisiana | 24 | 6.475% | $0 | — |
| West Virginia | 24 | 6.500% | $4,950 | — |
| Oregon | 21 | 6.500% | $8,681 | — |
| Oklahoma | 17 | 6.450% | $1,456 | — |
| Maine | 16 | 6.487% | $5,351 | — |
| Kansas | 15 | 6.450% | $1,138 | — |
| New Mexico | 14 | 6.175% | $2,049 | — |
| Iowa | 12 | 6.362% | $70 | — |
| Arkansas | 11 | 6.125% | $895 | — |
| Mississippi | 10 | 5.990% | $1,114 | — |
| North Dakota | 7 | 6.375% | $974 | — |
| Nevada | 7 | 6.625% | $4,609 | — |
| Idaho | 5 | 5.950% | $5,117 | — |
| Nebraska | 5 | 5.950% | $547 | — |
| Hawaii | 4 | 6.338% | $5,039 | — |
| Wyoming | 3 | 6.625% | $653 | — |
| Montana | 2 | 6.375% | $4,182 | — |
| South Dakota | 2 | 5.975% | $5,350 | — |
| Vermont | 2 | 6.245% | $7,342 | — |
| Alaska | 1 | 6.375% | $6,913 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,013 | 6.475% | — | 195 | −$3,257 | |
| 2 | $4,760 | 6.500% | — | 198 | −$1,510 | |
| 3 | $4,845 | 6.575% | — | 123 | −$1,425 | |
| 4 | $4,876 | 6.625% | — | 137 | −$1,394 | |
| 5 | $4,933 | 6.525% | — | 209 | −$1,337 | |
| 6 | $5,099 | 6.625% | — | 111 | −$1,171 | |
| 7 | $5,614 | 6.550% | — | 149 | −$656 | |
| 8 | $5,662 | 6.588% | — | 192 | −$608 | |
| 9 | $5,687 | 6.490% | — | 155 | −$583 | |
| 10 | $5,854 | 6.500% | — | 117 | −$416 | |
| 11 | $6,066 | 6.625% | — | 126 | −$204 | |
| 12 | $6,072 | 6.575% | — | 101 | −$198 | |
| 13 | $6,236 | 6.375% | — | 114 | −$34 | |
| 14 | $6,480 | 6.400% | — | 102 | +$210 | |
| 15 | $6,763 | 6.700% | — | 323 | +$493 | |
| 16 | $7,045 | 6.500% | — | 281 | +$775 | |
| 17 | $7,505 | 6.550% | — | 129 | +$1,235 | |
| 18 | $7,563 | 6.375% | — | 97 | +$1,293 | |
| 19 | $7,870 | 6.490% | — | 113 | +$1,600 | |
| 20 | $9,331 | 6.625% | — | 149 | +$3,061 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Guaranteed Rate Affinity, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $6,270 | $7,127 | −$857 (−12.0%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.