Applications / Mortgage Analytics / Lenders / Illinois / Guaranteed Rate Affinity
Chicago, IL · Independent non-bank lender · CFPB · 15,936 loans in 2025
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15,936
loans originated, 2025
24,672
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guaranteed Rate Affinity is a home-purchase lender of larger conventional loans: 82.2% of its 2025 loans were conventional and 5.4% were jumbo, against 1.3% at similar lenders.
Its typical loan was $355,000, against $285,000 at similar lenders (independent non-bank lenders making between half and twice as many loans), larger than at more than four in five of them. Jumbo loans (larger than the conforming limit) were 5.4%, higher than nearly all of them. Purchases were 84.7% of its loans, and FHA (insured by the Federal Housing Administration) loans only 10.3%, against 26.4%.
23.6% of its loans went to LMI (low- and moderate-income) borrowers, against 30.2%, and 15.7% were in LMI areas, against 21.6%, among the lowest tenth of similar lenders; 21.4% were in majority-minority areas, against 27.6%. Its larger loans and its small FHA share could account for this.
It turned down 4.3% of decided first-lien home-purchase applications on owner-occupied homes, against 8.5% at similar lenders, and 10.8% of refinance applications, against 16.8%. 2.5% of its loans were higher-priced (a rate well above the average for similar loans), against 4.6%.
It ranked 24 of 664 lenders in Boston-Cambridge-Newton, 34 of 606 in San Francisco-Oakland-Fremont and 35 of 802 in New York-Newark-Jersey City, all markets it has lent in since it first reported in 2017. It lends in 51 states, with California its largest.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guaranteed Rate Affinity took 24,672 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.7% · Refinance 13.1% · Other 1.3% · Home improvement 0.9%
Conventional 82.2% · FHA 10.3% · VA 7.3% · USDA (RHS or FSA) 0.2% · of 15,936 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,539 | 9.7% |
| Florida | 1,458 | 9.1% |
| Pennsylvania | 1,342 | 8.4% |
| New Jersey | 1,110 | 7.0% |
| Illinois | 970 | 6.1% |
| Texas | 965 | 6.1% |
| Massachusetts | 816 | 5.1% |
| Missouri | 782 | 4.9% |
| Minnesota | 709 | 4.4% |
| Ohio | 676 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 767 |
| St. Louis | 751 |
| Pittsburgh | 637 |
| Minneapolis-St. Paul-Bloomington | 595 |
| Houston-Pasadena-The Woodlands | 495 |
| Cincinnati | 469 |
| New York-Jersey City-White Plains | 447 |
| Newark | 428 |
| Atlanta-Sandy Springs-Roswell | 373 |
| Baltimore-Columbia-Towson | 348 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930001NSTOD85LT125 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7815294275 |
Established 8 February 2017. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Guaranteed Rate Affinity's data.
Guaranteed Rate Affinity's data
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Guaranteed Rate Affinity and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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