Guild Mortgage in Pennsylvania vs the state
2.3%Denial rate-15.98 pts vs state
2.6%Decision denial rate-19.57 pts vs state
80.8%Origination rate+19.84 pts vs state
6.63%Median rate0.00 pts vs state
0.18Rate spread (pts)-0.06 pts vs state
$100kMedian applicant income
3,258Loans originated
93Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,118 | 2,500 | 3.4% | 6.75% | #31 |
| 2024 | 3,299 | 2,622 | 3.3% | 6.63% | #34 |
| 2025 | 4,032 | 3,258 | 2.3% | 6.63% | #27 |
What Guild Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 905 | 765 | 10 | 1.1% |
| York County | 337 | 294 | 5 | 1.5% |
| Luzerne County | 296 | 241 | 6 | 2.0% |
| Lehigh County | 220 | 160 | 4 | 1.8% |
| Dauphin County | 203 | 176 | 4 | 2.0% |
| Chester County | 194 | 155 | 5 | 2.6% |
| Franklin County | 172 | 140 | 9 | 5.2% |
| Cumberland County | 155 | 130 | 6 | 3.9% |
| Northampton County | 150 | 100 | 4 | 2.7% |
| Berks County | 143 | 114 | 2 | 1.4% |
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: 4,032 applications in 2025, of which 3,258 were originated and 93 denied.
2.3% of all applications, or 2.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Guild Mortgage originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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