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Pennymac Loan Services LLC in Georgia

HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview

LEI RVDPPPGHCGZ40J4VQ731
Reporting agency Consumer Financial Protection Bureau
State Georgia

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Pennymac Loan Services LLC's 2024 HMDA record for Georgia covers 7,859 applications, 3,890 of them originated, worth $1.1bn.

Its denial rate in the state was 19.6%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 20.6%.

The median rate spread on its Georgia originations was 0.3 percentage points (state median 0.4).

Applications in the state were up 16% on 2023.

7,859applications in GA, 20245.8% of the lender's total
3,890loans originated$1.1bn
19.6%denial rateGA all lenders 26.9%
0.3 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersPennymac Loan Services LLC, all statesUnited States
Denial rate19.6%26.9%20.6%24.3%
Median rate spread, pp0.30.40.30.3
Originations with spread of 1.5 pp or more25.4%17.5%20.4%15.6%
Average originated loan$292k$313k$337k$329k
Home purchase share38.5%57.0%41.8%57.0%
FHA-insured share20.6%18.3%22.4%13.4%
VA-guaranteed share21.5%11.6%22.3%7.9%

Trend by year

ApplicationsOriginations

05420.510,8412022: 10,841 Applications2023: 6,796 Applications2024: 7,859 Applications2022: 5,100 Originations2023: 3,264 Originations2024: 3,890 Originations202220232024
Pennymac Loan Services LLC in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%14.2%28.4%2022: 23.8% This lender in state2023: 22.2% This lender in state2024: 19.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 39% (1,499)Refinancing 20% (791)Cash-out refinancing 19% (753)Other purpose 22% (847)

By type

Conventional 58% (2,253)FHA 21% (802)VA 21% (835)

Denial reasons as coded

Debt-to-income ratio28.5%
Credit history21.1%
Credit application incomplete17%
Collateral16.3%
Unverifiable information6.9%
Other5.4%
Insufficient cash (downpayment, closing costs)3.6%
Employment history1%
Mortgage insurance denied0%

Share of 993 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Gwinnett County756365$118m26.6%
Fulton County623295$122m23.4%
Cobb County515259$82m21.6%
Chatham County361218$71m14.4%
DeKalb County400168$52m21.6%
Cherokee County282153$54m12.1%
Forsyth County266151$63m19.5%
Henry County305114$33m26.8%
Paulding County18894$24m19.4%
Houston County16789$22m10.5%
Coweta County15785$25m10.2%
Hall County16380$22m23.9%
Effingham County11676$19m9.2%
Columbia County13575$21m13.8%
Bryan County9268$22m6.8%
Clayton County17766$13m26.5%
Jackson County11565$19m18.3%
Bartow County11763$16m13.3%
Douglas County13061$13m17.3%
Liberty County12361$15m16.9%
Glynn County9160$18m13.9%
Carroll County11855$12m24.1%
Muscogee County11352$10m17.6%
Fayette County10949$15m20.3%
Barrow County9648$13m21.9%
Walton County9547$15m24.6%
Newton County10845$9.2m24.2%
Richmond County10145$9.9m13.0%
Camden County7844$12m12.3%
Floyd County6634$7.4m16.3%
Rockdale County9133$8.8m34.6%
Lowndes County7631$6.4m16.7%
Troup County4726$5.7m18.2%
Dawson County4326$9.2m13.3%
Morgan County3525$7.0m16.1%
Bibb County6324$4.5m24.2%
Long County5123$6.2m11.1%
Catoosa County4920$3.6m24.1%
Gordon County4320$5.0m20.0%
Spalding County4220$5.0m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Pennymac Loan Services LLC originate in Georgia in 2024?

3,890 loans totalling $1.1bn, from 7,859 applications reported for properties in Georgia.

What is Pennymac Loan Services LLC's denial rate in Georgia?

19.6% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 20.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Georgia counties does Pennymac Loan Services LLC lend in most?

By originations: Gwinnett County (365), Fulton County (295), Cobb County (259), Chatham County (218), DeKalb County (168).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.