Guidance Residential in Pennsylvania vs the state
1.4%Denial rate-16.86 pts vs state
1.9%Decision denial rate-20.36 pts vs state
71.4%Origination rate+10.47 pts vs state
6.63%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.17 pts vs state
$130kMedian applicant income
100Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 62 | 3.5% | 7.00% | #389 |
| 2024 | 91 | 61 | 8.8% | 7.00% | #384 |
| 2025 | 140 | 100 | 1.4% | 6.63% | #333 |
What Guidance Residential lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lehigh County | 25 | 17 | 0 | 0.0% |
| Allegheny County | 24 | 18 | 0 | 0.0% |
| Philadelphia County | 17 | 12 | 2 | 11.8% |
| Delaware County | 16 | 11 | 0 | 0.0% |
| Montgomery County | 13 | 7 | 0 | 0.0% |
| Cumberland County | 11 | 10 | 0 | 0.0% |
| Chester County | 8 | 7 | 0 | 0.0% |
| Bucks County | 5 | 4 | 0 | 0.0% |
| Monroe County | 4 | 2 | 0 | 0.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
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: 140 applications in 2025, of which 100 were originated and 2 denied.
1.4% of all applications, or 1.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Guidance Residential originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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