Lenders › Guaranteed Rate Affinity, LLC › Florida
Guaranteed Rate Affinity, LLC in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Guaranteed Rate Affinity, LLC reported 2,157 applications and 1,336 originations for 2024, $508m in all.
Its denial rate in the state was 12.7%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 8.0%.
The median rate spread on its Florida originations was 0.2 percentage points (state median 0.3).
Applications in the state were down 26% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Guaranteed Rate Affinity, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.7% | 29.0% | 8.0% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.8% | 16.4% | 4.6% | 15.6% |
| Average originated loan | $380k | $359k | $399k | $329k |
| Home purchase share | 90.4% | 62.9% | 90.5% | 57.0% |
| FHA-insured share | 12.4% | 17.7% | 10.0% | 13.4% |
| VA-guaranteed share | 11.4% | 9.5% | 8.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 90% (1,208)Home improvement 1% (16)Refinancing 1% (19)Cash-out refinancing 4% (59)Other purpose 3% (34)
By type
Conventional 76% (1,016)FHA 12% (165)VA 11% (152)USDA 0% (3)
Denial reasons as coded
Share of 199 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Broward County | 210 | 108 | $49m | 23.8% |
| Hillsborough County | 154 | 106 | $44m | 4.5% |
| Palm Beach County | 156 | 88 | $44m | 19.5% |
| Sarasota County | 132 | 88 | $34m | 12.7% |
| Escambia County | 116 | 87 | $19m | 7.2% |
| Miami-Dade County | 180 | 86 | $44m | 23.9% |
| Orange County | 142 | 86 | $34m | 7.1% |
| Pinellas County | 117 | 67 | $25m | 16.0% |
| Manatee County | 89 | 63 | $26m | 5.9% |
| Seminole County | 80 | 50 | $19m | 5.5% |
| Santa Rosa County | 61 | 49 | $14m | 5.8% |
| Pasco County | 64 | 47 | $14m | 0.0% |
| Polk County | 77 | 44 | $10.0m | 9.8% |
| St. Lucie County | 70 | 41 | $13m | 14.0% |
| Lee County | 67 | 40 | $14m | 18.4% |
| Okaloosa County | 45 | 32 | $12m | 2.9% |
| Brevard County | 45 | 31 | $9.7m | 8.8% |
| Lake County | 42 | 30 | $9.7m | 8.3% |
| Collier County | 36 | 25 | $16m | 7.4% |
| Bay County | 32 | 22 | $7.5m | — |
| Osceola County | 25 | 13 | $4.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranteed Rate Affinity, LLC originate in Florida in 2024?
1,336 loans totalling $508m, from 2,157 applications reported for properties in Florida.
What is Guaranteed Rate Affinity, LLC's denial rate in Florida?
12.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 8.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Guaranteed Rate Affinity, LLC lend in most?
By originations: Broward County (108), Hillsborough County (106), Palm Beach County (88), Sarasota County (88), Escambia County (87).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.