Guaranteed Rate in Pennsylvania vs the state
4.3%Denial rate-13.97 pts vs state
6.5%Decision denial rate-15.69 pts vs state
60.5%Origination rate-0.51 pts vs state
6.58%Median rate-0.05 pts vs state
0.13Rate spread (pts)-0.11 pts vs state
$135kMedian applicant income
3,119Loans originated
223Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,266 | 2,605 | 2.4% | 6.50% | #17 |
| 2024 | 3,874 | 2,661 | 4.1% | 6.58% | #24 |
| 2025 | 5,160 | 3,119 | 4.3% | 6.58% | #15 |
What Guaranteed Rate lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 1,587 | 1,048 | 65 | 4.1% |
| Montgomery County | 751 | 481 | 21 | 2.8% |
| Delaware County | 564 | 363 | 10 | 1.8% |
| Chester County | 485 | 313 | 11 | 2.3% |
| Bucks County | 382 | 243 | 19 | 5.0% |
| Pike County | 192 | 136 | 5 | 2.6% |
| Monroe County | 141 | 67 | 8 | 5.7% |
| Allegheny County | 135 | 34 | 14 | 10.4% |
| Berks County | 132 | 70 | 7 | 5.3% |
| Lancaster County | 73 | 40 | 3 | 4.1% |
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: 5,160 applications in 2025, of which 3,119 were originated and 223 denied.
4.3% of all applications, or 6.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Guaranteed Rate originated in Pennsylvania in 2025 was 6.58%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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