Lenders › Pennymac Loan Services LLC › Texas
Pennymac Loan Services LLC in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas covers 10,605 applications, 4,909 of them originated, worth $1.7bn.
Its denial rate in the state was 23.7%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 20.6%.
The median rate spread on its Texas originations was 0.2 percentage points (state median 0.2).
Applications in the state were up 36% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Pennymac Loan Services LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.7% | 26.0% | 20.6% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.9% | 11.8% | 20.4% | 15.6% |
| Average originated loan | $342k | $350k | $337k | $329k |
| Home purchase share | 48.5% | 72.8% | 41.8% | 57.0% |
| FHA-insured share | 13.6% | 19.8% | 22.4% | 13.4% |
| VA-guaranteed share | 24.8% | 10.4% | 22.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 48% (2,380)Refinancing 26% (1,273)Cash-out refinancing 12% (571)Other purpose 14% (685)
By type
Conventional 62% (3,021)FHA 14% (670)VA 25% (1,218)
Denial reasons as coded
Share of 1,607 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 1,179 | 564 | $193m | 27.5% |
| Collin County | 759 | 406 | $168m | 19.9% |
| Tarrant County | 750 | 362 | $113m | 20.9% |
| Bexar County | 879 | 354 | $115m | 24.0% |
| Denton County | 615 | 309 | $129m | 25.0% |
| Dallas County | 611 | 254 | $95m | 30.2% |
| Travis County | 367 | 193 | $91m | 20.9% |
| Williamson County | 376 | 186 | $67m | 22.4% |
| Montgomery County | 356 | 182 | $61m | 23.6% |
| Fort Bend County | 392 | 181 | $68m | 24.6% |
| El Paso County | 263 | 107 | $25m | 22.1% |
| Bell County | 231 | 105 | $25m | 21.3% |
| Galveston County | 165 | 88 | $32m | 20.4% |
| Ellis County | 150 | 73 | $26m | 20.6% |
| Parker County | 125 | 63 | $22m | 15.1% |
| Hays County | 123 | 60 | $22m | 16.5% |
| Comal County | 121 | 58 | $28m | 23.5% |
| Hidalgo County | 164 | 56 | $14m | 35.6% |
| Nueces County | 115 | 56 | $17m | 16.2% |
| Brazoria County | 132 | 55 | $16m | 28.0% |
| Guadalupe County | 115 | 52 | $16m | 19.4% |
| Rockwall County | 93 | 49 | $14m | 25.7% |
| Smith County | 85 | 45 | $13m | 17.9% |
| Cameron County | 113 | 43 | $9.8m | 28.4% |
| Grayson County | 83 | 42 | $15m | 18.5% |
| Lubbock County | 85 | 39 | $8.7m | 20.0% |
| Johnson County | 111 | 38 | $14m | 25.9% |
| Kaufman County | 87 | 38 | $12m | 26.4% |
| McLennan County | 73 | 32 | $7.7m | 24.4% |
| Brazos County | 56 | 32 | $9.6m | 10.5% |
| Webb County | 72 | 31 | $7.2m | 30.6% |
| Hood County | 56 | 28 | $10m | 11.4% |
| Taylor County | 59 | 27 | $7.6m | 3.1% |
| Tom Green County | 52 | 24 | $6.6m | 18.2% |
| Hunt County | 61 | 23 | $6.9m | 20.6% |
| Wichita County | 49 | 22 | $4.4m | 14.3% |
| Midland County | 48 | 22 | $5.4m | 26.7% |
| Randall County | 46 | 21 | $5.8m | 19.4% |
| Wise County | 44 | 20 | $6.1m | — |
| Medina County | 40 | 20 | $8.2m | 19.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pennymac Loan Services LLC originate in Texas in 2024?
4,909 loans totalling $1.7bn, from 10,605 applications reported for properties in Texas.
What is Pennymac Loan Services LLC's denial rate in Texas?
23.7% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Pennymac Loan Services LLC lend in most?
By originations: Harris County (564), Collin County (406), Tarrant County (362), Bexar County (354), Denton County (309).
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 Texas. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.