Lenders › Pennymac Loan Services LLC › Missouri
Pennymac Loan Services LLC in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview
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 Missouri covers 2,971 applications, 1,580 of them originated, worth $366m.
Its denial rate in the state was 18.0%, close to the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 20.6%.
The median rate spread on its Missouri originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 44% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Pennymac Loan Services LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.0% | 19.9% | 20.6% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.8% | 14.1% | 20.4% | 15.6% |
| Average originated loan | $232k | $231k | $337k | $329k |
| Home purchase share | 28.6% | 58.6% | 41.8% | 57.0% |
| FHA-insured share | 25.4% | 12.8% | 22.4% | 13.4% |
| VA-guaranteed share | 35.9% | 8.2% | 22.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 29% (452)Refinancing 37% (587)Cash-out refinancing 19% (303)Other purpose 15% (238)
By type
Conventional 39% (611)FHA 25% (401)VA 36% (567)USDA 0% (1)
Denial reasons as coded
Share of 363 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 333 | 199 | $48m | 13.8% |
| St. Louis County | 379 | 169 | $40m | 22.7% |
| Greene County | 229 | 150 | $33m | 13.4% |
| St. Charles County | 187 | 107 | $29m | 14.3% |
| Clay County | 127 | 70 | $19m | 17.6% |
| Christian County | 107 | 69 | $18m | 16.5% |
| Jefferson County | 126 | 56 | $12m | 26.9% |
| Cass County | 88 | 50 | $13m | 18.5% |
| Pulaski County | 81 | 45 | $9.8m | 5.8% |
| St. Louis city | 76 | 36 | $8.7m | 26.0% |
| Platte County | 62 | 36 | $11m | 11.4% |
| Johnson County | 54 | 33 | $8.8m | 7.9% |
| Boone County | 79 | 32 | $8.6m | 23.3% |
| Jasper County | 58 | 29 | $6.0m | 10.8% |
| Cole County | 43 | 20 | $3.9m | 12.0% |
| Cape Girardeau County | 36 | 20 | $4.3m | — |
| Lincoln County | 35 | 20 | $5.8m | 31.0% |
| Polk County | 28 | 20 | $5.2m | — |
| Buchanan County | 36 | 17 | $2.7m | 33.3% |
| Laclede County | 28 | 17 | $3.4m | — |
| Lawrence County | 28 | 15 | $3.7m | — |
| Franklin County | 35 | 14 | $2.3m | — |
| St. Francois County | 29 | 14 | $2.4m | — |
| Newton County | 29 | 14 | $3.1m | — |
| Taney County | 32 | 12 | $2.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pennymac Loan Services LLC originate in Missouri in 2024?
1,580 loans totalling $366m, from 2,971 applications reported for properties in Missouri.
What is Pennymac Loan Services LLC's denial rate in Missouri?
18.0% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Pennymac Loan Services LLC lend in most?
By originations: Jackson County (199), St. Louis County (169), Greene County (150), St. Charles County (107), Clay County (70).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.