PennyMac Loan Services LLC Mortgage Lending & HMDA Data, 2009
In 2009, PennyMac Loan Services LLC of Westlake Village, CA reported 161 mortgage applications totaling $40.2 million. The average application was for $249,950, and applicants reported an average income of $127,968. 17% of its applications resulted in an originated loan and 49% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (21), Minneapolis-St. Paul-Bloomington, MN-WI (10) and San Diego-Carlsbad-San Marcos, CA (7) (applications in parentheses).
| Mortgage Company & Address | PennyMac Loan Services LLC 3043 Townsgate Road Westlake Village, CA 91361 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 161 |
| Total Mortgage Loan Application Amount | $40,242,000 |
| Average Mortgage Loan Application Amount | $249,950 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $127,968 |
| Highest Applicant Income | $1,320,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records PennyMac Loan Services LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 21 | $ 7,783,000 | $ 370,619 | $ 210,000 |
| San Diego, California | 7 | $ 3,103,000 | $ 443,285 | $ 163,000 |
| Orange, California | 5 | $ 1,775,000 | $ 355,000 | $ 114,000 |
| Sonoma, California | 4 | $ 1,550,000 | $ 387,500 | $ 175,000 |
| Hillsborough, Florida | 4 | $ 389,000 | $ 97,250 | $ 55,000 |
| Hennepin, Minnesota | 4 | $ 518,000 | $ 129,500 | $ 89,000 |
| Denton, Texas | 4 | $ 1,109,000 | $ 277,250 | $ 118,000 |
| Riverside, California | 3 | $ 621,000 | $ 207,000 | $ 277,000 |
| San Bernardino, California | 3 | $ 555,000 | $ 185,000 | $ 72,000 |
| Orange, Florida | 3 | $ 446,000 | $ 148,666 | $ 87,000 |
| Sarasota, Florida | 3 | $ 235,000 | $ 78,333 | $ 40,000 |
| DuPage, Illinois | 3 | $ 490,000 | $ 163,333 | $ 225,000 |
| Jefferson, Missouri | 3 | $ 233,000 | $ 77,666 | $ 62,000 |
| Alameda, California | 2 | $ 506,000 | $ 253,000 | $ 200,000 |
| Fresno, California | 2 | $ 529,000 | $ 264,500 | $ 148,000 |
| San Francisco, California | 2 | $ 1,034,000 | $ 517,000 | $ 109,000 |
| San Mateo, California | 2 | $ 638,000 | $ 319,000 | $ 206,000 |
| Santa Clara, California | 2 | $ 795,000 | $ 397,500 | $ 211,000 |
| Ventura, California | 2 | $ 444,000 | $ 222,000 | $ 101,000 |
| District of Columbia, District Of Columbia | 2 | $ 1,000,000 | $ 500,000 | $ 229,000 |
| Broward, Florida | 2 | $ 599,000 | $ 299,500 | $ 118,000 |
| Palm Beach, Florida | 2 | $ 269,000 | $ 134,500 | $ 48,000 |
| McHenry, Illinois | 2 | $ 204,000 | $ 102,000 | $ 80,000 |
| McLeod, Minnesota | 2 | $ 142,000 | $ 71,000 | $ 120,000 |
| Ramsey, Minnesota | 2 | $ 179,000 | $ 89,500 | $ 109,000 |
| Sherburne, Minnesota | 2 | $ 193,000 | $ 96,500 | $ 38,000 |
| Barry, Missouri | 2 | $ 161,000 | $ 80,500 | $ 55,000 |
| St. Charles, Missouri | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Bernalillo, New Mexico | 2 | $ 398,000 | $ 199,000 | $ 102,000 |
| Santa Fe, New Mexico | 2 | $ 523,000 | $ 261,500 | $ 94,000 |
| Lane, Oregon | 2 | $ 249,000 | $ 124,500 | $ 46,000 |
| King, Washington | 2 | $ 487,000 | $ 243,500 | $ 103,000 |
| Jefferson, Alabama | 1 | $ 327,000 | $ 327,000 | $ 262,000 |
| Shelby, Alabama | 1 | $ 417,000 | $ 417,000 | $ 156,000 |
| Maricopa, Arizona | 1 | $ 83,000 | $ 83,000 | $ 153,000 |
| El Dorado, California | 1 | $ 87,000 | $ 87,000 | $ 153,000 |
| Imperial, California | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Kern, California | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Marin, California | 1 | $ 590,000 | $ 590,000 | $ 114,000 |
| Placer, California | 1 | $ 390,000 | $ 390,000 | $ 288,000 |
| San Luis Obispo, California | 1 | $ 592,000 | $ 592,000 | $ 89,000 |
| Santa Barbara, California | 1 | $ 260,000 | $ 260,000 | $ 85,000 |
| Shasta, California | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Solano, California | 1 | $ 529,000 | $ 529,000 | $ 85,000 |
| Tulare, California | 1 | $ 63,000 | $ 63,000 | $ 148,000 |
| Adams, Colorado | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Boulder, Colorado | 1 | $ 388,000 | $ 388,000 | $ 160,000 |
| Broomfield, Colorado | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Denver, Colorado | 1 | $ 551,000 | $ 551,000 | $ 0 |
| Douglas, Colorado | 1 | $ 591,000 | $ 591,000 | $ 1,200,000 |
| Mesa, Colorado | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| Brevard, Florida | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Charlotte, Florida | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Pasco, Florida | 1 | $ 139,000 | $ 139,000 | $ 28,000 |
| Polk, Florida | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Honolulu, Hawaii | 1 | $ 515,000 | $ 515,000 | $ 106,000 |
| Anoka, Minnesota | 1 | $ 217,000 | $ 217,000 | $ 92,000 |
| Carver, Minnesota | 1 | $ 324,000 | $ 324,000 | $ 48,000 |
| Cape Girardeau, Missouri | 1 | $ 93,000 | $ 93,000 | $ 30,000 |
| Jackson, Missouri | 1 | $ 116,000 | $ 116,000 | $ 90,000 |
| Douglas, Nebraska | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Essex, New Jersey | 1 | $ 306,000 | $ 306,000 | $ 132,000 |
| Douglas, Oregon | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Josephine, Oregon | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Klamath, Oregon | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Marion, Oregon | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Washington, Oregon | 1 | $ 227,000 | $ 227,000 | $ 61,000 |
| Yamhill, Oregon | 1 | $ 196,000 | $ 196,000 | $ 59,000 |
| Butler, Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 89,000 |
| Chester, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Mercer, Pennsylvania | 1 | $ 382,000 | $ 382,000 | $ 160,000 |
| Philadelphia, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| York, Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 56,000 |
| Beaufort, South Carolina | 1 | $ 120,000 | $ 120,000 | $ 74,000 |
| Bexar, Texas | 1 | $ 58,000 | $ 58,000 | $ 11,000 |
| Dallas, Texas | 1 | $ 180,000 | $ 180,000 | $ 250,000 |
| Fort Bend, Texas | 1 | $ 98,000 | $ 98,000 | $ 147,000 |
| Harris, Texas | 1 | $ 179,000 | $ 179,000 | $ 120,000 |
| Jefferson, Texas | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Maverick, Texas | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Rockwall, Texas | 1 | $ 237,000 | $ 237,000 | $ 76,000 |
| Tarrant, Texas | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Wharton, Texas | 1 | $ 106,000 | $ 106,000 | $ 26,000 |
| Utah, Utah | 1 | $ 166,000 | $ 166,000 | $ 64,000 |
| Clark, Washington | 1 | $ 310,000 | $ 310,000 | $ 83,000 |
| Kitsap, Washington | 1 | $ 313,000 | $ 313,000 | $ 290,000 |
| Pierce, Washington | 1 | $ 169,000 | $ 169,000 | $ 69,000 |
| Spokane, Washington | 1 | $ 147,000 | $ 147,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for PennyMac Loan Services LLC in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 149 | $36,986,000 | $248,000 | $700,000 | $127,000 | $1,320,000 |
| Home Purchase | 12 | $3,256,000 | $271,000 | $469,000 | $140,000 | $346,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 82 | $22,300,000 | $271,000 | $700,000 | $120,000 | $405,000 |
| Not Provided | 50 | $10,910,000 | $218,000 | $591,000 | $130,000 | $1,200,000 |
| Hispanic | 18 | $4,560,000 | $253,000 | $665,000 | $103,000 | $360,000 |
| Asian | 8 | $2,190,000 | $273,000 | $567,000 | $280,000 | $1,320,000 |
| Black or African American | 3 | $282,000 | $94,000 | $139,000 | $65,000 | $147,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 98 | $22,352,000 | $228,000 | $700,000 | $142,000 | $1,320,000 |
| FHA-insured (Federal Housing Administration) | 63 | $17,890,000 | $283,000 | $665,000 | $107,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 79 | $17,154,000 | $217,000 | $624,000 | $120,000 | $1,320,000 |
| Application Withdrawn By Applicant | 34 | $8,492,000 | $249,000 | $595,000 | $107,000 | $346,000 |
| Loan Originated | 27 | $8,584,000 | $317,000 | $700,000 | $128,000 | $405,000 |
| File Closed For Incompleteness | 21 | $6,012,000 | $286,000 | $665,000 | $196,000 | $1,200,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into PennyMac Loan Services LLC's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess PennyMac Loan Services LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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