Guaranteed Rate Affinity in Minnesota vs the state
4.6%Denial rate-8.99 pts vs state
6.0%Decision denial rate-10.38 pts vs state
72.6%Origination rate+6.27 pts vs state
6.63%Median rate0.00 pts vs state
0.25Rate spread (pts)0.00 pts vs state
$110kMedian applicant income
709Loans originated
45Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,224 | 923 | 4.5% | 6.63% | #30 |
| 2024 | 1,247 | 913 | 5.4% | 6.88% | #31 |
| 2025 | 976 | 709 | 4.6% | 6.63% | #48 |
What Guaranteed Rate Affinity lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 355 | 244 | 22 | 6.2% |
| Ramsey County | 108 | 82 | 3 | 2.8% |
| Dakota County | 106 | 90 | 0 | 0.0% |
| Olmsted County | 71 | 57 | 3 | 4.2% |
| Washington County | 67 | 47 | 1 | 1.5% |
| Anoka County | 67 | 40 | 9 | 13.4% |
| Scott County | 35 | 23 | 5 | 14.3% |
| Wright County | 34 | 28 | 1 | 2.9% |
| Carver County | 16 | 8 | 0 | 0.0% |
| Sherburne County | 15 | 13 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 976 applications in 2025, of which 709 were originated and 45 denied.
4.6% of all applications, or 6.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Guaranteed Rate Affinity originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology