Lender in Alabama · HMDA 2025
Pennymac Loan Services, LLC mortgages in Alabama
Pennymac Loan Services, LLC's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Pennymac Loan Services, LLC originated 1,242 owner-occupied single-family loans in Alabama from 1,580 completed applications, making it the state's #11 lender by volume.
Its median conventional purchase loan costs were $4,630 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.75% (Alabama: 6.562%).
Loans in AL
1,242
of 1,580 applications
Denial rate
15.7%
Purchase · AL 9.1%
Rate spread
+0.23 pts
Conv. · AL +0.17 pts
Loan amount
$315,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 483 | 405 | 15.7% | 6.750% | +0.23 pts | $4,630 | $315,000 |
| Refinance | 585 | 480 | 10.8% | 6.624% | +0.08 pts | $5,540 | $285,000 |
| Cash-out refinance | 512 | 357 | 28.3% | 6.875% | +0.43 pts | $6,920 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama 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 |
|---|---|---|---|
| Bullock County | 5 | 2 | 8.0% |
| Dale County | 6 | 19 | 3.3% |
| Lee County | 7 | 110 | 3.9% |
| Cherokee County | 7 | 8 | 2.8% |
| Coffee County | 8 | 35 | 3.5% |
| Conecuh County | 8 | 2 | 3.9% |
| Autauga County | 9 | 28 | 2.8% |
| Russell County | 9 | 27 | 2.7% |
| Houston County | 10 | 35 | 2.4% |
| Franklin County | 10 | 6 | 2.5% |
| Randolph County | 10 | 6 | 2.5% |
| Cullman County | 11 | 26 | 2.3% |
| Bibb County | 11 | 4 | 2.8% |
| Hale County | 11 | 3 | 3.2% |
| Marengo County | 11 | 3 | 2.8% |
| Morgan County | 12 | 42 | 2.4% |
| Marshall County | 13 | 24 | 1.9% |
| Colbert County | 13 | 18 | 1.9% |
| Chilton County | 13 | 9 | 1.9% |
| Clarke County | 13 | 3 | 1.9% |
| Madison County | 14 | 139 | 1.8% |
| Baldwin County | 14 | 70 | 1.4% |
| Calhoun County | 14 | 27 | 2.0% |
| Montgomery County | 15 | 46 | 1.8% |
| Tuscaloosa County | 15 | 33 | 1.3% |
| Lauderdale County | 15 | 21 | 1.6% |
| Lawrence County | 15 | 7 | 2.1% |
| Tallapoosa County | 15 | 7 | 1.5% |
| Winston County | 15 | 4 | 2.2% |
| Shelby County | 16 | 85 | 2.0% |
- Pennymac Loan Services, LLC nationwide
- Alabama mortgage market
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- 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
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology