Lender in Kentucky · HMDA 2025
Pennymac Loan Services, LLC mortgages in Kentucky
Pennymac Loan Services, LLC's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Pennymac Loan Services, LLC originated 793 owner-occupied single-family loans in Kentucky from 1,035 completed applications, making it the state's #11 lender by volume.
Its median conventional purchase loan costs were $4,760 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
793
of 1,035 applications
Denial rate
17.5%
Purchase · KY 8.2%
Rate spread
+0.26 pts
Conv. · KY +0.21 pts
Loan amount
$275,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 229 | 187 | 17.5% | 6.750% | +0.26 pts | $4,760 | $275,000 |
| Refinance | 450 | 359 | 11.3% | 5.990% | −0.28 pts | $5,190 | $255,000 |
| Cash-out refinance | 356 | 247 | 28.4% | 6.990% | +0.69 pts | $6,040 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Pennymac Loan Services, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 76.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clinton County | 2 | 5 | 12.8% |
| Bracken County | 5 | 4 | 4.9% |
| Meade County | 8 | 13 | 2.9% |
| Allen County | 8 | 11 | 3.5% |
| Pike County | 8 | 7 | 2.7% |
| Todd County | 9 | 4 | 3.3% |
| Daviess County | 10 | 20 | 1.5% |
| Whitley County | 10 | 6 | 2.5% |
| Lawrence County | 10 | 4 | 4.3% |
| Union County | 10 | 3 | 3.5% |
| Christian County | 11 | 20 | 2.4% |
| Hart County | 11 | 6 | 2.6% |
| Ballard County | 11 | 3 | 3.7% |
| Rockcastle County | 11 | 3 | 3.0% |
| Martin County | 11 | 1 | 3.7% |
| Bullitt County | 12 | 33 | 2.1% |
| Hopkins County | 12 | 12 | 2.3% |
| Floyd County | 12 | 5 | 3.1% |
| Hancock County | 12 | 3 | 3.0% |
| Franklin County | 13 | 12 | 1.7% |
| Pulaski County | 13 | 10 | 1.5% |
| Calloway County | 13 | 6 | 1.8% |
| Lincoln County | 13 | 6 | 2.4% |
| Leslie County | 13 | 1 | 4.0% |
| Hardin County | 14 | 32 | 1.7% |
| Laurel County | 14 | 9 | 1.7% |
| Logan County | 14 | 7 | 1.8% |
| Grayson County | 14 | 5 | 1.7% |
| Larue County | 14 | 5 | 2.2% |
| Trigg County | 14 | 4 | 2.0% |
- Pennymac Loan Services, LLC nationwide
- Kentucky mortgage market
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- 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