Lenders › Pennymac Loan Services LLC › Montana
Pennymac Loan Services LLC in Montana
HMDA record for properties in Montana, calendar year 2024. National record · Montana 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.
In Montana, Pennymac Loan Services LLC reported 511 applications and 252 originations for 2024, $88m in all.
Its denial rate in the state was 20.0%, close to the Montana rate of 20.9% across all lenders and compared with the lender's national rate of 20.6%.
The median rate spread on its Montana originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 47% on 2023.
Compared with the state and the lender's national record
| Measure | In Montana | Montana, all lenders | Pennymac Loan Services LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.0% | 20.9% | 20.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 29.7% | 13.8% | 20.4% | 15.6% |
| Average originated loan | $349k | $348k | $337k | $329k |
| Home purchase share | 29.8% | 54.8% | 41.8% | 57.0% |
| FHA-insured share | 13.5% | 10.4% | 22.4% | 13.4% |
| VA-guaranteed share | 25.8% | 11.1% | 22.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMontana, all lenders
Loan purpose and loan type in Montana
By purpose
Home purchase 30% (75)Refinancing 24% (60)Cash-out refinancing 20% (50)Other purpose 27% (67)
By type
Conventional 61% (153)FHA 13% (34)VA 26% (65)
Denial reasons as coded
Share of 65 denials in Montana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Montana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Flathead County | 91 | 48 | $23m | 11.1% |
| Yellowstone County | 86 | 40 | $9.8m | 27.1% |
| Gallatin County | 72 | 39 | $20m | 17.0% |
| Cascade County | 51 | 26 | $5.5m | 10.0% |
| Lewis and Clark County | 43 | 23 | $6.4m | 14.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pennymac Loan Services LLC originate in Montana in 2024?
252 loans totalling $88m, from 511 applications reported for properties in Montana.
What is Pennymac Loan Services LLC's denial rate in Montana?
20.0% of decided applications in Montana were denied, against 20.9% 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 Montana counties does Pennymac Loan Services LLC lend in most?
By originations: Flathead County (48), Yellowstone County (40), Gallatin County (39), Cascade County (26), Lewis and Clark County (23).
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 Montana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.