GUARANTEED RATE AFFINITY, LLC

15,936 mortgages originated in 2025 across 28 states, and what they cost borrowers.

Loans originated

15,936

Median rate

6.550%

Median lender fees

$6,122

Median loan amount

$355,000

Median spread over APOR

0.189

Paid discount points

39.4%

Received lender credits

25.2%

Purchases / refinances

84.7% / 13.1%

Conventional / FHA / VA

82.2% / 10.3% / 7.3%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 83.3% of loans here — see methodology.

Where GUARANTEED RATE AFFINITY, LLC lent

States with at least 50 loans in 2025, ranked by volume.