The Mortgage Record
Lender report card · New Jersey

Guaranteed Rate Affinity, Llc

Chicago, IL · What the federal mortgage record shows about how Guaranteed Rate Affinity, Llc treated New Jersey applicants, 2018–2025 — 12,538 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
95.2%
11,940 approved
Denial rate
4.8%
598 denied
Decisions
12,538
2018–2025
Avg. rate spread
+0.17 pp
vs. market benchmark
95.2% approved
4.8% denied

Share of 12,538 New Jersey applications Guaranteed Rate Affinity, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional96.2% of 11,362 · NJ 87%FHA83.7% of 871 · NJ 79%VA93.8% of 289 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

90%92%94%96%98%100%96%95%95%95%94%94%94%98%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Guaranteed Rate Affinity, Llc’s rates ran -0.09 pp lower than the typical New Jersey lender (average rate spread +0.17 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Guaranteed Rate Affinity, Llc approves

By income
Under $50k77.8% · 387$50–75k90.5% · 1,264$75–100k94.0% · 1,714$100–150k96.1% · 3,225$150–250k97.5% · 3,649$250k+97.0% · 2,267
By debt-to-income
Under 36%97.5% · 5,73036–43%96.9% · 3,15943–50%96.2% · 3,043Over 50%58.8% · 571
By down payment (LTV)
20%+ down96.0% · 7,34910–20% down95.6% · 1,7815–10% down95.2% · 1,5133–5% down88.2% · 644Under 3% down85.1% · 222

Why Guaranteed Rate Affinity, Llc denied applications

Debt-to-income ratio42% of denialsCredit history24% of denialsCollateral (value/type)16% of denialsOther11% of denialsInsufficient cash to close9% of denialsUnverifiable information8% of denials

Where Guaranteed Rate Affinity, Llc lends in NJ

CountyDecisionsApproval
Union County1,85996.8%
Bergen County1,24494.4%
Morris County1,14595.8%
Essex County1,14494.8%
Monmouth County1,09294.3%
Middlesex County99293.1%
Somerset County91697.5%
Ocean County62593.1%

Fees & closing costs

Median total loan costs
$5,849
home purchase
As % of loan
1.56%
NJ median 1.93%
Priced originations
9,166
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Guaranteed Rate Affinity, Llc’s home-purchase originations — 0.38 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $405. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Guaranteed Rate Affinity, Llc (LEI 54930001NSTOD85LT125). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →