Agency ARM Lender Rankings

Lender Rankings

Agency ARM seller/issuer rankings for 2021 and 2026 YTD, showing PennyMac in first place and independent mortgage bankers occupying all current top-10 positions.

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Data Points

Period | Rank | Seller/Issuer | Institution Type | Number of ARMs 2021 | 1 | Wells Fargo Bank | Bank | 6,013 2021 | 2 | United Wholesale Mortgage | IMB | 3,711 2021 | 3 | Rocket Mortgage | IMB | 2,810 2021 | 4 | JPMorgan Chase Bank | Bank | 2,374 2021 | 5 | PennyMac Loan Services | IMB | 1,496 2021 | 6 | Truist Bank | Bank | 1,154 2021 | 7 | Guaranteed Rate, Inc. | IMB | 934 2021 | 8 | Citizens Bank | Bank | 762 2021 | 9 | loanDepot.com | IMB | 695 2021 | 10 | U.S. Bank N.A. | Bank | 645 YTD 2026 | 1 | PennyMac Loan Services | IMB | 4,675 YTD 2026 | 2 | United Wholesale Mortgage | IMB | 3,786 YTD 2026 | 3 | Freedom Mortgage Corp | IMB | 3,283 YTD 2026 | 4 | Rocket Mortgage | IMB | 2,887 YTD 2026 | 5 | Lakeview Loan Servicing |IMB | 2,605 YTD 2026 | 6 | Planet Home Lending | IMB | 1,489 YTD 2026 | 7 | Nationstar (Mr. Cooper) | IMB | 1,349 YTD 2026 | 8 | CrossCountry Mortgage | IMB | 1,179 YTD 2026 | 9 | CMG Mortgage, Inc. | IMB | 1,061 YTD 2026 | 10 | DHI Mortgage Company | IMB | 1,012

Who leads the Agency ARM market?

PennyMac Loan Services leads the 2026 YTD ranking with 4,675 Agency ARMs.

Date Published:

June 24, 2026

Date Updated:

June 25, 2026

Chart type:

Table

Suggested Citation:

Polygon Research, “Top 10 Agency ARM Seller/Issuers by Loan Count: 2021 vs. 2026 YTD,” Polygon Pulse (MBS Pivot), updated June 24, 2026. Data through 2026 YTD data-through May. Scope: top 10 Agency ARM seller/issuers for 2021 and 2026 YTD; institution type identified as bank or independent mortgage banker (IMB). Metric: number of ARMs. Accessed June 24, 2026.

Key insights

PennyMac Loan Services leads the 2026 YTD ranking with 4,675 Agency ARMs.

This chart measures Agency ARM seller/issuer activity by loan count. For total agency lender rankings see the Top 10 Agency Lenders by Loan Count.

The leadership mix has shifted substantially from 2021: Wells Fargo Bank ranked first with 6,013 loans and five depository banks appeared in the top 10, while every 2026 YTD position is held by an independent mortgage banker (IMB).

PennyMac moved from No. 5 in 2021 to No. 1 in 2026 YTD.

UWM remained No. 2, and Rocket Mortgage moved from No. 3 to No. 4.

Freedom Mortgage, Lakeview, Planet Home Lending, Nationstar, CrossCountry, CMG and DHI now appear in the ranking, reflecting a materially different competitive set.

Please note the comparison is based on full 2021 and 2026 is year to date; counts should not be treated as like-for-like annual production. The chart does not establish profitability, channel mix, borrower demand or overall ARM market leadership. Lenders can use it to benchmark Agency ARM product strategy, channel positioning, secondary-market execution and operational capacity against firms currently active in this seller/issuer measure.

From Analysis to Action

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