Kim Nichols

Kim Nichols is the Chief TPO Production Officer and Senior Managing Director, where she leads a team that drives strategy and revenue within the wholesale channel. Under her leadership, Pennymac TPO quickly became one of the top wholesale lenders in the country.

Nichols joined Pennymac in 2011 as part of the core leadership team charged with building the foundation for what is now the largest correspondent investor in the country. She has been recognized for her expertise in the mortgage industry throughout the years.

Nichols consistently demonstrates exceptional leadership and industry expertise. In 2025, the Broker Action Coalition (BAC) appointed Nichols to its Board of Directors, recognizing her leadership and expertise within Pennymac TPO as highly beneficial to advocating for the broker and wholesale channel within the industry. In 2024, Nichols was selected to join the Forbes Advisory Board to offer insightful mortgage content that aligns with the current industry and help empower readers to navigate the home buying process. In 2023, Nichols joined the inaugural Corporate Board of Governors for the National Association of Mortgage Brokers (NAMB), an organization committed to promoting the highest degree of professionalism and ethical standards for mortgage professionals. She also is a Board Member for the California Mortgage Bankers Association (CMBA), to help support its mission in representing the residential and commercial real estate finance industry before all government and regulatory agencies. In 2022, Mortgage Professional America Magazine included Nichols in its Mortgage Global 100 list, which highlights renowned industry leaders driving forward innovations to carry the mortgage sector into a new era. Her exceptional leadership also earned her a spot as a 2020 Women of Influence by HousingWire. As one of the 100 most highly-regarded women in housing finance, Nichols showcases her expertise in mentoring, leading teams and driving technical advances.

Prior to joining Pennymac, Nichols spent the beginning of her career in secondary marketing and capital markets, followed by a decade within the mortgage insurance space.