Guaranteed Rate Affinity in Pennsylvania vs the state
2.6%Denial rate-15.72 pts vs state
3.4%Decision denial rate-18.86 pts vs state
73.3%Origination rate+12.33 pts vs state
6.58%Median rate-0.05 pts vs state
0.26Rate spread (pts)+0.02 pts vs state
$106kMedian applicant income
1,342Loans originated
47Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,532 | 1,099 | 4.0% | 6.63% | #57 |
| 2024 | 1,550 | 1,153 | 3.8% | 6.63% | #56 |
| 2025 | 1,831 | 1,342 | 2.6% | 6.58% | #53 |
What Guaranteed Rate Affinity lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 530 | 374 | 21 | 4.0% |
| Montgomery County | 146 | 115 | 2 | 1.4% |
| Philadelphia County | 111 | 69 | 6 | 5.4% |
| Westmoreland County | 101 | 75 | 3 | 3.0% |
| Washington County | 80 | 64 | 0 | 0.0% |
| York County | 78 | 56 | 1 | 1.3% |
| Berks County | 69 | 55 | 5 | 7.2% |
| Chester County | 67 | 53 | 0 | 0.0% |
| Butler County | 67 | 56 | 0 | 0.0% |
| Beaver County | 67 | 45 | 1 | 1.5% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,831 applications in 2025, of which 1,342 were originated and 47 denied.
2.6% of all applications, or 3.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Guaranteed Rate Affinity originated in Pennsylvania in 2025 was 6.58%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology