Lenders › Pennymac Loan Services LLC › Ohio
Pennymac Loan Services LLC in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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 Ohio, Pennymac Loan Services LLC reported 3,694 applications and 1,815 originations for 2024, $404m in all.
Its denial rate in the state was 18.7%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 20.6%.
The median rate spread on its Ohio originations was 0.3 percentage points (state median 0.5).
Applications in the state were up 50% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Pennymac Loan Services LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.7% | 23.5% | 20.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.7% | 17.7% | 20.4% | 15.6% |
| Average originated loan | $223k | $218k | $337k | $329k |
| Home purchase share | 28.1% | 51.7% | 41.8% | 57.0% |
| FHA-insured share | 32.9% | 12.3% | 22.4% | 13.4% |
| VA-guaranteed share | 27.0% | 5.9% | 22.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 28% (510)Refinancing 34% (623)Cash-out refinancing 21% (383)Other purpose 16% (299)
By type
Conventional 40% (728)FHA 33% (597)VA 27% (490)
Denial reasons as coded
Share of 440 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 437 | 256 | $64m | 16.2% |
| Cuyahoga County | 307 | 125 | $24m | 26.0% |
| Hamilton County | 253 | 109 | $23m | 24.2% |
| Montgomery County | 198 | 105 | $21m | 11.1% |
| Butler County | 160 | 78 | $15m | 20.4% |
| Summit County | 155 | 78 | $18m | 18.8% |
| Lorain County | 128 | 62 | $13m | 15.4% |
| Fairfield County | 104 | 58 | $16m | 11.8% |
| Clermont County | 94 | 47 | $9.4m | 10.7% |
| Warren County | 87 | 46 | $11m | 16.9% |
| Medina County | 73 | 46 | $12m | 17.9% |
| Stark County | 97 | 45 | $8.4m | 22.0% |
| Greene County | 86 | 44 | $13m | 13.6% |
| Lucas County | 87 | 41 | $8.2m | 15.4% |
| Licking County | 75 | 40 | $10m | 17.6% |
| Delaware County | 84 | 39 | $13m | 16.3% |
| Lake County | 81 | 39 | $8.3m | 17.6% |
| Mahoning County | 84 | 32 | $5.8m | 25.5% |
| Clark County | 55 | 25 | $5.8m | 10.0% |
| Trumbull County | 71 | 24 | $3.9m | 31.6% |
| Pickaway County | 34 | 22 | $6.9m | — |
| Portage County | 50 | 21 | $5.7m | 24.1% |
| Union County | 32 | 20 | $5.9m | — |
| Miami County | 39 | 19 | $4.7m | — |
| Richland County | 36 | 16 | $2.7m | — |
| Wood County | 35 | 16 | $3.2m | — |
| Allen County | 25 | 16 | $3.1m | — |
| Wayne County | 33 | 15 | $2.5m | — |
| Logan County | 30 | 15 | $3.7m | — |
| Erie County | 26 | 14 | $4.0m | — |
| Ashtabula County | 32 | 11 | $2.3m | — |
| Knox County | 29 | 11 | $2.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pennymac Loan Services LLC originate in Ohio in 2024?
1,815 loans totalling $404m, from 3,694 applications reported for properties in Ohio.
What is Pennymac Loan Services LLC's denial rate in Ohio?
18.7% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Pennymac Loan Services LLC lend in most?
By originations: Franklin County (256), Cuyahoga County (125), Hamilton County (109), Montgomery County (105), Butler County (78).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.