Pennymac Loan Services in Missouri vs the state
12.1%Denial rate-2.94 pts vs state
17.2%Decision denial rate-1.52 pts vs state
56.0%Origination rate-6.69 pts vs state
6.38%Median rate-0.25 pts vs state
0.32Rate spread (pts)-0.03 pts vs state
$90kMedian applicant income
2,580Loans originated
559Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,067 | 1,124 | 15.0% | 6.50% | #21 |
| 2024 | 2,971 | 1,580 | 12.2% | 6.25% | #16 |
| 2025 | 4,610 | 2,580 | 12.1% | 6.38% | #11 |
What Pennymac Loan Services lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 588 | 312 | 89 | 15.1% |
| Jackson County | 504 | 287 | 53 | 10.5% |
| Greene County | 328 | 220 | 43 | 13.1% |
| St. Charles County | 320 | 192 | 33 | 10.3% |
| Jefferson County | 242 | 143 | 29 | 12.0% |
| Clay County | 203 | 120 | 19 | 9.4% |
| Christian County | 142 | 98 | 14 | 9.9% |
| St. Louis city | 129 | 66 | 21 | 16.3% |
| Cass County | 114 | 74 | 11 | 9.6% |
| Pulaski County | 93 | 48 | 6 | 6.5% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 4,610 applications in 2025, of which 2,580 were originated and 559 denied.
12.1% of all applications, or 17.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Pennymac Loan Services originated in Missouri in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Pennymac Loan Services's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology