CFPB Consumer Complaint Profile
Pacific Home Loans, Inc
14 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 0
- Last 12 months
- 71.4%
- Timely response
- Bottom decile
- 10
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Pacific Home Loans, Inc has accumulated 14 complaints, placing it #3314 by volume. Its on-time response rate is 71.4%, the 6th percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 71.4%
- on time (6th pctile)
- Mortgage
- most-complained product
- 10
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Pacific Home Loans, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
71.4% Among the lowest higher than 6% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 3 |
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 4 |
| 2023 | 1 |
| 2024 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pacific Home Loans, Inc
14 complaints against Pacific Home Loans, Inc appear in the CFPB record, including 0 from the trailing year. The 10 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Applying for a mortgage or refinancing an existing mortgage" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Pacific Home Loans, Inc posts a 71.4% reply rate on forwarded complaints. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response at a 33.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Pacific Home Loans, Inc have?
Pacific Home Loans, Inc has 14 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Pacific Home Loans, Inc respond to complaints on time?
Pacific Home Loans, Inc's CFPB timely-response rate is 71.4%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Pacific Home Loans, Inc?
The most complained-about product for Pacific Home Loans, Inc is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Pacific Home Loans, Inc?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Pacific Home Loans, Inc; the full issue list with counts is above.
How do I file a complaint against Pacific Home Loans, Inc?
You can file a complaint against Pacific Home Loans, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pacific Home Loans, Inc?
Consumers in 10 states and territories have filed complaints about Pacific Home Loans, Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pacific Home Loans, Inc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pacific Home Loans, Inc have?
Pacific Home Loans, Inc has 14 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Pacific Home Loans, Inc respond to complaints on time?
Pacific Home Loans, Inc's CFPB timely-response rate is 71.4%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Pacific Home Loans, Inc?
The most complained-about product for Pacific Home Loans, Inc is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Pacific Home Loans, Inc?
Consumers most often cite "Applying for a mortgage or refinancing an existing mortgage" when complaining about Pacific Home Loans, Inc; the full issue list with counts is above.
How do I file a complaint against Pacific Home Loans, Inc?
You can file a complaint against Pacific Home Loans, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pacific Home Loans, Inc?
Consumers in 10 states and territories have filed complaints about Pacific Home Loans, Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.