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Pennymac Loan Services LLC in Pennsylvania

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

LEI RVDPPPGHCGZ40J4VQ731
Reporting agency Consumer Financial Protection Bureau
State Pennsylvania

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 Pennsylvania, Pennymac Loan Services LLC reported 5,552 applications and 3,189 originations for 2024, $893m in all.

Its denial rate in the state was 18.2%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 20.6%.

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

Applications in the state were up 60% on 2023.

5,552applications in PA, 20244.1% of the lender's total
3,189loans originated$893m
18.2%denial ratePA all lenders 24.2%
0.3 ppmedian rate spreadPA 0.3 pp

Compared with the state and the lender's national record

MeasureIn PennsylvaniaPennsylvania, all lendersPennymac Loan Services LLC, all statesUnited States
Denial rate18.2%24.2%20.6%24.3%
Median rate spread, pp0.30.30.30.3
Originations with spread of 1.5 pp or more15.0%14.1%20.4%15.6%
Average originated loan$280k$226k$337k$329k
Home purchase share58.2%48.7%41.8%57.0%
FHA-insured share23.3%9.8%22.4%13.4%
VA-guaranteed share10.8%4.0%22.3%7.9%

Trend by year

ApplicationsOriginations

02,7765,5522022: 5,398 Applications2023: 3,473 Applications2024: 5,552 Applications2022: 2,484 Originations2023: 1,753 Originations2024: 3,189 Originations202220232024
Pennymac Loan Services LLC in Pennsylvania: applications and originations, 2022–2024

This lender in statePennsylvania, all lenders

0%12.4%24.9%2022: 23.3% This lender in state2023: 21.8% This lender in state2024: 18.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Pennsylvania

By purpose

Home purchase 58% (1,855)Refinancing 15% (464)Cash-out refinancing 14% (457)Other purpose 13% (413)

By type

Conventional 66% (2,099)FHA 23% (744)VA 11% (346)

Denial reasons as coded

Debt-to-income ratio25.3%
Credit application incomplete21%
Collateral20.5%
Credit history19%
Other5.1%
Unverifiable information4.1%
Insufficient cash (downpayment, closing costs)4%
Employment history1%
Mortgage insurance denied0%

Share of 727 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).

Counties in Pennsylvania

CountyApplicationsOriginationsAmountDenial rate
Montgomery County502319$119m14.6%
Allegheny County463259$64m17.6%
Chester County321206$76m12.0%
Cumberland County246206$61m4.2%
Philadelphia County458202$57m28.4%
Bucks County331195$73m21.3%
York County291178$44m11.0%
Delaware County301154$47m19.2%
Lancaster County215145$41m17.0%
Dauphin County210138$32m16.5%
Berks County207114$29m19.9%
Lehigh County18294$24m25.8%
Erie County9667$15m15.0%
Northampton County13966$18m27.2%
Monroe County14165$16m25.5%
Westmoreland County11065$16m19.8%
Butler County8763$17m8.7%
Luzerne County12060$11m26.5%
Lackawanna County8655$12m11.3%
Centre County6452$19m5.3%
Lebanon County8945$9.0m26.2%
Washington County7444$13m8.3%
Franklin County7934$7.8m34.5%
Beaver County4533$7.1m5.7%
Adams County6230$6.6m26.2%
Schuylkill County6928$4.3m26.8%
Pike County5524$4.0m21.2%
Carbon County5022$5.0m34.3%
Perry County2615$2.8m—
Lawrence County3612$1.7m—
Blair County2710$1.7m—
Mercer County289$1.2m—

Counties with at least 25 applications, by originations.

Questions and answers

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

3,189 loans totalling $893m, from 5,552 applications reported for properties in Pennsylvania.

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

18.2% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does Pennymac Loan Services LLC lend in most?

By originations: Montgomery County (319), Allegheny County (259), Chester County (206), Cumberland County (206), Philadelphia County (202).

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 Pennsylvania. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.