Question 1

What are Guaranteed Rate Affinity's average closing costs?

Accepted Answer

Based on 13,318 homebuyer-submitted Closing Disclosures, Guaranteed Rate Affinity's median total closing costs are $6,132. This is about 88% above the $3,257 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does Guaranteed Rate Affinity charge junk fees?

Accepted Answer

None of the 13,318 Closing Disclosures we've analyzed for Guaranteed Rate Affinity included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Guaranteed Rate Affinity's fees compare to other lenders?

Accepted Answer

Guaranteed Rate Affinity currently holds a grade of A on Fair Closing Check, placing them well below the national average — one of the most competitive lenders in our database. Their median closing costs of $6,132 are about 88% above the $3,257 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Guaranteed Rate Affinity?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Guaranteed Rate Affinity's origination fee (avg $3,145 vs $1,618 peer avg) and document preparation (avg $173 vs $159 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Guaranteed Rate Affinity's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Guaranteed Rate Affinity, three fee categories tend to run above comparable lenders: discount points (avg $3,490 vs $1,883 peer avg, +$1,606), origination fee (avg $3,145 vs $1,618 peer avg, +$1,527), and lender credits (avg $1,080 vs $358 peer avg, +$722). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Guaranteed Rate Affinity's closing costs vary by state?

Accepted Answer

Guaranteed Rate Affinity's closing costs vary significantly by state. Based on the 49 states in our database with at least 3 reports, median total closing costs range from $0 in Louisiana to $8,532 in Vermont — a $8,532 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
discount_points	$3,490	$1,883	🔺 High
Title Insurance	$3,264	$3,405	🟡 Average
Origination Fee	$3,145	$1,618	🔺 High
Underwriting Fee	$1,545	$1,546	🟡 Average
Appraisal	$1,100	$1,125	🟡 Average
lender_credits	$1,080	$358	🔺 High
Settlement/Closing Fee	$988	$1,053	🟡 Average
Processing Fee	$816	$841	🟡 Average
Title Search	$409	$412	🟡 Average
Recording Fee	$352	$364	🟡 Average
Rate Lock Fee	$328	$370	🟢 Below Avg
Document Preparation	$173	$159	🟡 Average
Tax Service Fee	$133	$135	🟡 Average
Wire Transfer Fee	$71	$72	🟡 Average
Credit Report	$70	$71	🟡 Average
Courier/Delivery	$60	$63	🟡 Average
Flood Certification	$25	$25	🟡 Average

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Guaranteed Rate Affinity Closing Cost Breakdown

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