Josh Penland | Legacy Mutual
Josh Penland

VP/Senior Loan Officer
NMLS# 216357

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Josh Penland is a Senior Loan Officer and Vice President with Legacy Mutual Mortgage in Austin, Texas. Over the past 20 years, he has built a strong reputation for his outstanding concierge style of service to both his clients and business partners. Josh has helped over 5,000 homeowners buy and refinance and uses his experience to structure their mortgage so it aligns with their financial goals.

Josh has been recognized by the Austin Business Journal as one of Austin’s Top Mortgage Producers since 2007. He has been honored by Texas Monthly for their Five Star Mortgage Professional Award since 2011. Austin Monthly magazine published a new peer nominated Top Mortgage Professional list and Josh Penland has been honored to be named every year since 2015. The Scotsman Guide has also named Josh as a Top 1% Loan Originator in the country since 2019.

Josh lives in North Austin with his wife Natalie, who works with The Penland Team on marketing, branding, and business development. They have 3 children (Kennedy, Dominic, and Carson) and they are a host family to a soccer player (Cameron). They have 2 Golden Doodles (Molly & Luna) and a foster fail from a local rescue (Bailey). They are big animal advocates and still foster dogs throughout the year. Josh enjoys sports, traveling, anything water related (whether it be at the beach or the lake) and watching movies at their local Alamo Draft House.

Let’s Talk

Get in touch with me:

Office: 512.776.1420

 Austin – South
5707 Southwest Parkway, Bldg. 2, Suite 150
Austin, TX 78735

Team Members

Pat Odom

Sales & Operations Manager/Loan Officer

Allison Germann

Lead Production Associate

Mark Alvarado

Loan Approval Coordinator/Loan Officer

Lauren Martinez

Production Associate

Nellie Williams

Loan Processor/Contract to Close Coordinator

Cynthia Cantu

Loan Processor/Contract to Close Coordinator

Natalie Penland

Relationship and Marketing Director

Nick Zepeda

Loan Setup Associate

Our Competitive Advantage


Closing Dates Met


Accurate Closing Cost Estimate


Most Preferred Lender


Referral Rate from Past Clients