Do I have a shot of getting into Upenn?

Hi I am currently a senior and am considering applying early decision to Upenn this fall.
These are my stats:
Cum GPA: 3.9 unweighted (4.5 B+'s total out of 24 classes, rest of grades all As, A+'s)
APs: Junior Year- Stats (5) Lang (4) APUSH (5), Senior Year- Spanish, BC Calc, Macro, Micro, Computer Science, Physics A
SATs: 620 reading, 740 math, 690 writing (I probably will not submit my SAT because reading is so low)
ACT: I got a 30 when I was completely bs’ing the entire thing because I was planning on using my sat only at the time (31 english, 35 math, 29 reading, 23 science) but I took it again yesterday and I probably will get around a 32 (guessing 33 english, 35 math, 30 reading, 30 science)
SAT Subject Tests: 720 Math I, 800 Math II, 680 Lit
ECs: President of FBLA, Treasurer of Key Club, Captain of Math League, Member of Spanish Club, Tennis, Teacher of Religious Education, Leader of youth group, Babysitting
Honors: NHS, National Latin Honors Society, National Spanish Honors Society, National History Honors Society, National Merit Commended Student, Honor Roll all years, AP Scholar
I also attended the Summer at Brown program, the Harvard Summer School program, and took a class at NYU during the school year
I’m a caucasian female
My recommendations from my two teachers will be stellar, but mine from my guidance counselor will generic
And I’d like to go to Wharton. I want to go into an individualized program though (quantitative finance) which I think sticks out in a positive way and may be slightly easier for acceptance than a plain old finance major…
So I’m hoping for the best, but I know my stats aren’t too impressive. I know I would definitely have to apply early decision and kill it on my essays, but given the above, what are my chances? Thank you in advanced! :-*

I do not see anything in the post that would distinguish you from the incredibly impressive pool of applicants that UPenn will receive this fall. Wharton is even harder to get into than UPenn. But if you feel like you have something to contribute to UPenn, then it can’t hurt to apply. Just think of it as if you were buying a lottery ticket.

This alone says that you will not be admitted to any top school.

You’re right, that was wrong of me to do or repeat here. I had been planning on attending a lower state school for while and at the time of my act, I was only thinking about that.

This should be moved to the chance page.

Were the summer programs at Harvard/Brown selective or were they just “sign up, give the money and you can go”?
Test scores are a bit too low for Wharton.
Depends on your involvement in FBLA. That is related to business so if you did anything significant that will be helpful.