Lender in New Jersey · HMDA 2025
Pennymac Loan Services, LLC mortgages in New Jersey
Pennymac Loan Services, LLC's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Pennymac Loan Services, LLC originated 1,967 owner-occupied single-family loans in New Jersey from 2,522 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $10,670 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.75% (New Jersey: 6.625%).
Loans in NJ
1,967
of 2,522 applications
Denial rate
15.2%
Purchase · NJ 8.4%
Rate spread
+0.23 pts
Conv. · NJ +0.12 pts
Loan amount
$485,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,033 | 866 | 15.2% | 6.750% | +0.23 pts | $10,670 | $485,000 |
| Refinance | 774 | 628 | 12.5% | 6.124% | −0.19 pts | $6,820 | $455,000 |
| Cash-out refinance | 715 | 473 | 31.9% | 6.625% | +0.26 pts | $8,620 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Pennymac Loan Services, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Middlesex County | 6 | 172 | 2.2% |
| Ocean County | 7 | 294 | 3.6% |
| Burlington County | 7 | 166 | 2.6% |
| Monmouth County | 8 | 206 | 2.6% |
| Somerset County | 8 | 80 | 2.1% |
| Union County | 9 | 119 | 2.5% |
| Hunterdon County | 9 | 34 | 2.1% |
| Morris County | 10 | 104 | 1.7% |
| Sussex County | 10 | 47 | 2.0% |
| Cape May County | 10 | 21 | 2.2% |
| Camden County | 11 | 125 | 2.0% |
| Cumberland County | 11 | 29 | 1.9% |
| Bergen County | 12 | 141 | 1.7% |
| Atlantic County | 12 | 70 | 2.4% |
| Passaic County | 13 | 69 | 1.8% |
| Salem County | 13 | 22 | 2.5% |
| Essex County | 14 | 90 | 1.5% |
| Mercer County | 16 | 57 | 1.5% |
| Gloucester County | 18 | 65 | 1.5% |
| Warren County | 18 | 19 | 1.3% |
| Hudson County | 20 | 37 | 0.9% |
- Pennymac Loan Services, LLC nationwide
- New Jersey mortgage market
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- Pennymac Loan Services, LLC in New York
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- 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