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GUARANTEED RATE AFFINITY, LLC
This page shows two things. First, first-lien conventional purchase loans that closed in 2025. Second, CFPB mortgage complaints from 2025-01-01 to 2025-12-31. Both cover California, Texas and Florida.
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Median interest rate reported to HMDA, 2025, first-lien conventional purchase loans. HMDA does not report APR.
The most cited reason for a denial at this lender in 2025 was Collateral, named in 40.8% of its 120 denials in California, Texas and Florida.
By state
| State | Loans | Median rate | Median total loan costs | Denial rate |
|---|---|---|---|---|
| California | 953 | 6.625% | $7,444 | 2.43% |
| Texas | 690 | 6.500% | $4,188 | 2.53% |
| Florida | 914 | 6.625% | $6,834 | 7.85% |
CFPB complaints, 2025-01-01 to 2025-12-31
No complaints matched. We could not find this lender's name in the CFPB complaint database. We looked for a match to its HMDA filing but could not confirm one. This does not mean it has no complaints.
What this does not tell you
- Complaint counts are not adjusted for lender size or who it serves. A lender that closes more loans often gets more complaints. A lender that serves more first-time buyers often gets more complaints too. This does not mean it is doing anything worse.
- A denial is not always the lender's fault. Underwriting rules, loan type, and the borrower's own file all affect approval.
- The rate and cost numbers are medians across many different borrowers, loan sizes and credit scores. Your own quote will differ.
Check the lender's licence yourself. Search NMLS Consumer Access.
Sources: Home Mortgage Disclosure Act loan-level data, Consumer Financial Protection Bureau. First-lien conventional loans (loan_type 1, lien_status 1) for a home purchase (loan_purpose 1) in California, Texas and Florida, 2024. Consumer Complaint Database, Consumer Financial Protection Bureau, product Mortgage, 2025-01-01 to 2025-12-31. Complaints are not verified and publication is not an endorsement of the allegations. Counts are not adjusted for the size of the lender or who it serves.