Lender in California · HMDA 2025
Pennymac Loan Services, LLC mortgages in California
Pennymac Loan Services, LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Pennymac Loan Services, LLC originated 7,032 owner-occupied single-family loans in California from 8,702 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $8,940 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.624% (California: 6.625%).
Loans in CA
7,032
of 8,702 applications
Denial rate
14.1%
Purchase · CA 8.9%
Rate spread
+0.13 pts
Conv. · CA +0.09 pts
Loan amount
$655,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,882 | 4,153 | 14.1% | 6.624% | +0.13 pts | $8,940 | $655,000 |
| Refinance | 2,443 | 1,936 | 15.3% | 6.375% | −0.08 pts | $5,580 | $675,000 |
| Cash-out refinance | 1,377 | 943 | 29.9% | 6.624% | +0.12 pts | $6,270 | $445,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Pennymac Loan Services, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 51.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ventura County | 3 | 240 | 3.6% |
| San Diego County | 4 | 925 | 3.3% |
| Placer County | 4 | 212 | 3.3% |
| Solano County | 5 | 118 | 2.4% |
| El Dorado County | 5 | 79 | 3.0% |
| Imperial County | 5 | 53 | 4.7% |
| Los Angeles County | 6 | 1,218 | 2.3% |
| Orange County | 6 | 559 | 2.6% |
| San Joaquin County | 6 | 160 | 1.9% |
| Plumas County | 6 | 4 | 2.1% |
| Riverside County | 7 | 564 | 2.1% |
| Fresno County | 7 | 245 | 3.0% |
| San Luis Obispo County | 7 | 63 | 2.7% |
| Lake County | 7 | 17 | 3.0% |
| Inyo County | 7 | 3 | 2.7% |
| Sacramento County | 8 | 360 | 2.1% |
| San Bernardino County | 8 | 360 | 1.8% |
| Nevada County | 8 | 32 | 2.5% |
| Contra Costa County | 9 | 282 | 2.4% |
| Sonoma County | 9 | 91 | 2.2% |
| Madera County | 9 | 50 | 2.2% |
| Alameda County | 10 | 265 | 1.9% |
| Santa Cruz County | 10 | 34 | 2.1% |
| Sutter County | 10 | 18 | 2.3% |
| Tuolumne County | 10 | 10 | 1.8% |
| Tulare County | 11 | 87 | 2.0% |
| Marin County | 11 | 49 | 2.2% |
| Kings County | 11 | 44 | 2.8% |
| Mendocino County | 12 | 12 | 2.4% |
| Lassen County | 12 | 5 | 2.1% |
- Pennymac Loan Services, LLC nationwide
- California mortgage market
- Pennymac Loan Services, LLC in Florida
- Pennymac Loan Services, LLC in Texas
- Pennymac Loan Services, LLC in Georgia
- Pennymac Loan Services, LLC in Pennsylvania
- Pennymac Loan Services, LLC in North Carolina
- Pennymac Loan Services, LLC in Virginia
- Pennymac Loan Services, LLC in New York
- Pennymac Loan Services, LLC in Tennessee
- Pennymac Loan Services, LLC in Ohio
- Pennymac Loan Services, LLC in New Jersey
- Pennymac Loan Services, LLC in Missouri
- Pennymac Loan Services, LLC in Arizona
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology