GUARANTEED RATE AFFINITY, LLC closing costs and rates (2024)
In 2024, GUARANTEED RATE AFFINITY, LLC originated 10,872 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $6,321. That ranks #39 nationally by origination volume. For total closing costs among lenders with 500+ originations, GUARANTEED RATE AFFINITY, LLC ranks #312. That is $420 below the national median of $6,741. GUARANTEED RATE AFFINITY, LLC is most active in California with 1,005 originations there.
Purchase Originations
10,872
Ranked #39 nationally
Median Total Costs
$6,321
−6.2% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,768
Median Lender Credits
$100
Cost Rank (500+ vol.)
#312
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,696 | 6.750% | $5,951 | $1,796 |
| fha | 1,089 | 6.500% | $12,540 | $2,921 |
| va | 1,068 | 6.250% | $6,897 | $0 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,005 | 6.750% | $7,873 | #43 |
| Florida | 936 | 6.625% | $8,030 | #54 |
| Pennsylvania | 849 | 6.625% | $7,256 | #25 |
| Texas | 846 | 6.500% | $5,689 | #77 |
| New Jersey | 798 | 6.650% | $6,909 | #20 |
| Illinois | 701 | 6.875% | $6,218 | #34 |
| Minnesota | 560 | 6.750% | $5,413 | #23 |
| Massachusetts | 519 | 6.700% | $5,796 | #18 |
| Ohio | 494 | 6.750% | $4,978 | #48 |
| South Carolina | 395 | 6.725% | $6,360 | #38 |
| Missouri | 392 | 6.750% | $5,114 | #32 |
| Arizona | 372 | 6.750% | $5,793 | #49 |
| Maryland | 372 | 6.650% | $5,824 | #46 |
| Georgia | 339 | 6.625% | $7,995 | #71 |
| Colorado | 306 | 6.625% | $5,012 | #54 |
| Connecticut | 289 | 6.625% | $5,893 | #19 |
| Virginia | 282 | 6.500% | $6,360 | #66 |
| New York | 248 | 6.625% | $6,412 | #72 |
| Wisconsin | 179 | 6.625% | $3,233 | #67 |
| North Carolina | 171 | 6.625% | $4,598 | #116 |
| Washington | 105 | 6.625% | $6,037 | #100 |
| Utah | 80 | 6.525% | $7,666 | #64 |
| Kentucky | 72 | 6.825% | $4,460 | #99 |
| Delaware | 69 | 6.875% | $8,116 | #39 |
| Michigan | 59 | 6.850% | $2,334 | #144 |
| Indiana | 52 | 6.812% | $3,460 | #169 |
| New Hampshire | 50 | 6.625% | $4,132 | #45 |
| Rhode Island | 48 | 6.812% | $8,377 | — |
| Alabama | 33 | 6.250% | $5,615 | — |
| Maine | 31 | 6.625% | $9,101 | — |
| West Virginia | 25 | 6.250% | $5,255 | — |
| Tennessee | 23 | 6.500% | $4,280 | — |
| Iowa | 22 | 6.625% | $1,380 | — |
| District of Columbia | 19 | 6.500% | $6,928 | — |
| Oregon | 19 | 6.625% | $5,867 | — |
| Louisiana | 18 | 6.487% | $0 | — |
| New Mexico | 18 | 6.625% | $1,429 | — |
| Oklahoma | 12 | 6.688% | $178 | — |
| Kansas | 11 | 6.425% | $774 | — |
| Arkansas | 10 | 6.312% | $1,518 | — |
| Nevada | 8 | 6.438% | $3,195 | — |
| Nebraska | 6 | 6.688% | $120 | — |
| Hawaii | 5 | 6.250% | $11,919 | — |
| Mississippi | 5 | 6.500% | $6,037 | — |
| Wyoming | 5 | 6.675% | $1,045 | — |
| North Dakota | 4 | 6.625% | $1,072 | — |
| Idaho | 3 | 6.250% | $3,854 | — |
| Alaska | 2 | 7.000% | $1,436 | — |
| South Dakota | 2 | 7.000% | $2,256 | — |
| Vermont | 2 | 6.875% | $5,399 | — |
| Montana | 1 | 7.000% | $1,518 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,119 | 6.500% | — | 134 | −$3,202 | |
| 2 | $4,703 | 6.750% | — | 109 | −$1,618 | |
| 3 | $5,054 | 6.775% | — | 185 | −$1,267 | |
| 4 | $5,077 | 6.625% | — | 147 | −$1,244 | |
| 5 | $5,144 | 6.750% | — | 188 | −$1,177 | |
| 6 | $5,287 | 6.750% | — | 157 | −$1,034 | |
| 7 | $5,497 | 6.500% | — | 229 | −$824 | |
| 8 | $5,587 | 6.625% | — | 141 | −$734 | |
| 9 | $5,809 | 6.750% | — | 148 | −$512 | |
| 10 | $6,132 | 6.750% | — | 116 | −$189 | |
| 11 | $6,141 | 6.612% | — | 90 | −$180 | |
| 12 | $6,215 | 6.625% | — | 95 | −$106 | |
| 13 | $6,314 | 6.750% | — | 87 | −$7 | |
| 14 | $6,336 | 6.525% | — | 101 | +$15 | |
| 15 | $6,376 | 6.875% | — | 366 | +$55 | |
| 16 | $6,963 | 6.575% | — | 251 | +$642 | |
| 17 | $7,885 | 6.625% | — | 121 | +$1,564 | |
| 18 | $8,011 | 6.875% | — | 107 | +$1,690 | |
| 19 | $9,387 | 6.750% | — | 150 | +$3,066 | |
| 20 | $10,375 | 6.625% | — | 96 | +$4,054 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.