Guaranteed Rate Affinity in California vs the state
4.3%Denial rate-13.11 pts vs state
6.0%Decision denial rate-16.37 pts vs state
65.7%Origination rate+9.49 pts vs state
6.55%Median rate-0.08 pts vs state
0.15Rate spread (pts)-0.12 pts vs state
$226kMedian applicant income
1,539Loans originated
101Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,729 | 954 | 3.5% | 6.63% | #90 |
| 2024 | 2,078 | 1,356 | 5.7% | 6.75% | #82 |
| 2025 | 2,343 | 1,539 | 4.3% | 6.55% | #86 |
What Guaranteed Rate Affinity lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 401 | 235 | 23 | 5.7% |
| San Diego County | 275 | 181 | 9 | 3.3% |
| Santa Clara County | 238 | 166 | 8 | 3.4% |
| Orange County | 200 | 142 | 6 | 3.0% |
| Sacramento County | 162 | 98 | 10 | 6.2% |
| Alameda County | 151 | 102 | 4 | 2.6% |
| Sonoma County | 130 | 94 | 4 | 3.1% |
| Riverside County | 123 | 71 | 9 | 7.3% |
| San Mateo County | 92 | 66 | 1 | 1.1% |
| Contra Costa County | 80 | 58 | 4 | 5.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,343 applications in 2025, of which 1,539 were originated and 101 denied.
4.3% of all applications, or 6.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Guaranteed Rate Affinity originated in California in 2025 was 6.55%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology