CFPB Consumer Complaint Profile
Pennymac Loan Services, LLC.
What 5,673 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 5,673
- Total complaints
- Among the highest
- 1,124
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 54
- States affected
The verdict
5,673 CFPB complaints put Pennymac Loan Services, LLC. at #95 out of 3,843 financial companies ranked by complaint volume. It posts a 99.7% on-time response rate, the 76th percentile among companies with 100+ complaints.
- #95
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Mortgage
- most-complained product
- 54
- 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.
Pennymac Loan Services, LLC. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 594 in 2024 to 1,031 in 2025 (2024 → 2025).
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 |
|---|---|
| 2012 | 50 |
| 2013 | 96 |
| 2014 | 238 |
| 2015 | 357 |
| 2016 | 345 |
| 2017 | 288 |
| 2018 | 329 |
| 2019 | 329 |
| 2020 | 403 |
| 2021 | 437 |
| 2022 | 398 |
| 2023 | 479 |
| 2024 | 594 |
| 2025 | 1,031 |
| 2026year in progress | 299 |
Complaints by State (Top 15)
Company Responses
Pennymac Loan Services, LLC. Complaint Concentration Profile
Pennymac Loan Services, LLC.'s complaint volume is large enough to measure concentration - not just the headline totals. Across 45 named product lines in the stored breakdown, the leading three (Mortgage, Mortgage, Mortgage) hold a 64.7% share of product-tagged complaints. The Herfindahl index on that product mix is 0.164 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Trouble during payment process, Struggling to pay mortgage, Incorrect information on your report) cover a 58.9% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, California, Texas) hold a 32.2% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 86.4% share among the 5,673 response-tagged complaints (4,900 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,031 complaints); the lightest year on file was 2012 (50). From 2024 to 2025, annual volume rose 73.6% (594 → 1,031). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Pennymac Loan Services, LLC.
5,673 complaints against Pennymac Loan Services, LLC. appear in the CFPB record, including 1,124 from the trailing year. The 54 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Pennymac Loan Services, LLC.'s timely response rate stands at 99.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 18.9% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 13.5%.
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 Pennymac Loan Services, LLC. have?
The CFPB has logged 5,673 complaints against Pennymac Loan Services, LLC. to date, of which 1,124 came in over the last 12 months.
Does Pennymac Loan Services, LLC. respond to complaints on time?
Pennymac Loan Services, LLC. has a 99.7% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Pennymac Loan Services, LLC.?
The most complained-about product for Pennymac Loan Services, LLC. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Pennymac Loan Services, LLC.?
"Trouble during payment process" is the single most frequently cited issue in complaints against Pennymac Loan Services, LLC. - see all issues and counts above.
How do I file a complaint against Pennymac Loan Services, LLC.?
You can file a complaint against Pennymac Loan Services, LLC. 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 Pennymac Loan Services, LLC.?
Pennymac Loan Services, LLC. has drawn CFPB complaints from 54 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pennymac Loan Services, LLC.: 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 complaint volume
Nearest companies by total CFPB complaint count (5,673 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18.9% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pennymac Loan Services, LLC. have?
The CFPB has logged 5,673 complaints against Pennymac Loan Services, LLC. to date, of which 1,124 came in over the last 12 months.
Does Pennymac Loan Services, LLC. respond to complaints on time?
Pennymac Loan Services, LLC. has a 99.7% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Pennymac Loan Services, LLC.?
The most complained-about product for Pennymac Loan Services, LLC. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Pennymac Loan Services, LLC.?
"Trouble during payment process" is the single most frequently cited issue in complaints against Pennymac Loan Services, LLC. - see all issues and counts above.
How do I file a complaint against Pennymac Loan Services, LLC.?
You can file a complaint against Pennymac Loan Services, LLC. 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 Pennymac Loan Services, LLC.?
Pennymac Loan Services, LLC. has drawn CFPB complaints from 54 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.