Compliance Status
Not Halal
Screened on Oct 14, 2026 · AAOIFI Standard 21
Non-Compliant
Is PennyMac Mortgage Investment Trust (PMT) halal? Not Halal. Based on AAOIFI screening, PennyMac Mortgage Investment Trust has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
Quote this verdict
HalalScreener rates PennyMac Mortgage Investment Trust (PMT) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 14, 2026. Source: https://halalscreener.app/en/stock/PMT
Business activity
Involved in prohibited business activities.
Company debt
Over the limitHow much the company borrows, compared to its total value. AAOIFI allows up to 30%.
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding PMT
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
PMT: Is PennyMac Mortgage Investment Trust Halal?
PennyMac Mortgage Investment Trust
$6.92
Market Cap: 603.4M
Get an email if PMT's halal status changes
We re-screen PennyMac Mortgage Investment Trust daily. If the verdict moves, you hear about it the same day.
Free. One click sets it up, and you can unsubscribe any time.
About PennyMac Mortgage Investment Trust
PennyMac Mortgage Investment Trust (PMT) functions as a specialized financial firm, concentrating its investments primarily on mortgage-related assets within the United States. The company operates through several key divisions: Its Credit Sensitive Strategies segment channels capital into various instruments, including credit risk transfer (CRT) agreements and securities, distressed loans, real estate holdings, and non-agency subordinated bonds. The Interest Rate Sensitive Strategies segment focuses on investments such as mortgage servicing rights, excess servicing spreads, and both agency and senior non-agency mortgage-backed securities (MBS), while also undertaking related interest rate hedging activities. Through its Correspondent Production segment, PMT engages in the acquisition, pooling, and subsequent resale of newly originated prime credit residential loans, either directly or packaged as MBS. The trust is externally managed by PNMAC Capital Management, LLC. For federal income tax purposes, PennyMac Mortgage Investment Trust qualifies as a real estate investment trust (REIT). This status generally allows it to avoid federal corporate income taxes, provided it distributes at least 90% of its taxable income to its shareholders. PMT was founded in 2009 and has its headquarters situated in Westlake Village, California.
Sector: Real Estate · Industry: REIT - Mortgage
Why this does not pass
- Business activity: the company earns from an activity AAOIFI treats as prohibited.
- Interest-bearing debt is 3733.5% of market cap, over the 30% AAOIFI limit.
- Interest-bearing deposits are over the 30% limit.
- Income from prohibited sources is over the 5% limit.
Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.
Shariah Compliance Status
See which ratio caused the failure.
See the exact debt ratio, interest income %, and prohibited revenue that caused the failure. Know before you sell or hold.
AI Compliance Insight
PROInstitutional-grade Shariah analysis
See why PMT is rated Not Halal with institutional-grade analysis
Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Prohibited industry: REIT - Mortgage
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
Compliance History
Not Halalnow
since Aug 2026
Under Review
until the change above
Not Halal
until the change above
Under Review
until the change above
Not Halal
until the change above
Tracked since May 2026. Updates automatically on each re-screen.
Halal Alternatives in Real Estate
This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:
More Real Estate Stocks
Know the day PMT's verdict changes
A free account keeps watch on 3 stocks and emails you when a verdict moves. You also get 3 questions for the AI Scholar. No card needed.
Frequently Asked Questions
Is PennyMac Mortgage Investment Trust (PMT) halal to invest in?
Why did PennyMac Mortgage Investment Trust get a F compliance rating?
What could change PennyMac Mortgage Investment Trust's Shariah verdict?
How often is PennyMac Mortgage Investment Trust re-screened for Shariah compliance?
Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.
Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.