Lender in North Carolina · HMDA 2025
Pennymac Loan Services, LLC mortgages in North Carolina
Pennymac Loan Services, LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Pennymac Loan Services, LLC originated 3,086 owner-occupied single-family loans in North Carolina from 3,806 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $5,530 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
3,086
of 3,806 applications
Denial rate
10.1%
Purchase · NC 7.6%
Rate spread
+0.16 pts
Conv. · NC +0.04 pts
Loan amount
$385,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,014 | 904 | 10.1% | 6.625% | +0.16 pts | $5,530 | $385,000 |
| Refinance | 1,573 | 1,292 | 9.7% | 6.124% | −0.13 pts | $6,080 | $335,000 |
| Cash-out refinance | 1,219 | 890 | 24.3% | 6.624% | +0.24 pts | $8,390 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Pennymac Loan Services, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 83.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Macon County | 6 | 12 | 2.7% |
| Vance County | 6 | 12 | 4.0% |
| Wake County | 7 | 395 | 2.0% |
| Ashe County | 7 | 9 | 3.6% |
| Warren County | 7 | 5 | 3.6% |
| Cumberland County | 8 | 160 | 2.7% |
| Union County | 8 | 102 | 2.1% |
| Columbus County | 8 | 9 | 2.5% |
| Polk County | 8 | 9 | 3.8% |
| Hoke County | 9 | 53 | 3.1% |
| Robeson County | 9 | 19 | 3.0% |
| Cherokee County | 9 | 10 | 2.9% |
| Edgecombe County | 9 | 9 | 2.7% |
| Person County | 9 | 9 | 2.0% |
| Transylvania County | 9 | 9 | 3.0% |
| Onslow County | 10 | 126 | 2.4% |
| Durham County | 10 | 84 | 1.8% |
| New Hanover County | 10 | 75 | 2.2% |
| Chatham County | 10 | 28 | 2.2% |
| Burke County | 10 | 16 | 1.6% |
| Tyrrell County | 10 | 1 | 4.5% |
| Mecklenburg County | 11 | 336 | 1.9% |
| Cabarrus County | 11 | 74 | 1.6% |
| Randolph County | 11 | 39 | 2.2% |
| Lincoln County | 11 | 35 | 2.1% |
| Cleveland County | 11 | 29 | 2.4% |
| Currituck County | 11 | 21 | 2.8% |
| Pasquotank County | 11 | 21 | 2.5% |
| Wilson County | 11 | 20 | 2.1% |
| Dare County | 11 | 15 | 2.8% |
- Pennymac Loan Services, LLC nationwide
- North Carolina mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology