# PENRITH HOME LOANS LLC

> **Canonical URL:** https://saferate.com/lenders/penrith-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PENRITH HOME LOANS LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 2 states, with 29 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008GYZEYGLI3NQ97
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.141%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,880
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 29
- **Dollar Volume:** $14 million
- **Applications Received:** 46
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $479,483
- **Average Borrower Income:** $162,034
- **Average Property Value:** $666,034

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 14/100 | 23 | +0.176% | $3,630 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 22 loans, Score: 18/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 28 | $14M | +0.235% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 26 | 0.03% | 59/100 |

## Frequently Asked Questions

### What loan types does PENRITH HOME LOANS LLC offer?

PENRITH HOME LOANS LLC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PENRITH HOME LOANS LLC offer mortgages?

PENRITH HOME LOANS LLC offers mortgages in 2 states: OR, WA.

### How competitive are PENRITH HOME LOANS LLC's mortgage rates?

PENRITH HOME LOANS LLC has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.141% above market average.

### What type of lender is PENRITH HOME LOANS LLC?

PENRITH HOME LOANS LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is PENRITH HOME LOANS LLC's loan approval success rate?

PENRITH HOME LOANS LLC has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/penrith-home-loans

### How to Cite

> "PENRITH HOME LOANS LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/penrith-home-loans

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