CFPB · Single-product concentration
Pennymac Loan Services, LLC.
6.1K CFPB complaints · 81.5% in "Mortgage" · top issue Trouble during payment process.
Pennymac Loan Services, LLC.: 81.5% of 6.1K CFPB complaints sit in "Mortgage". Timely 99.8% · relief 13.4%. Allegations, not findings.
- Single-product concentration
- +1336% filings 2012 to 2026
CFPB relief outcome brief
CCDB company pennymac-loan-services-llc
13.4% relief · 99.8% timely · 6.1K filings · Mortgage
Same-product relief peers
Nearest relief peer: American Financing Corporation (13.1% relief)
Pennymac Loan Services, LLC. closes 13.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Pennymac Loan Services, LLC. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (63/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
63 / 100 percentile-benchmarked
13.4% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
74 / 100 percentile-benchmarked
86.1% of complaints closed with an explanation to the consumer
Most of Pennymac Loan Services, LLC.'s 6.1K filings include narrative text
48.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Pennymac Loan Services, LLC. complaint mix by product
- Mortgage 5K 81.7% – 15% relief
- Credit reporting 536 8.8% – 8% relief
- Debt collection 305 5.0% – 2% relief
- Credit reporting, 243 4.0% – 14% relief
- Money transfer, 10 0.2% – 0% relief
- Debt or 9 0.1% – 22% relief
- Bank account 6 0.1% – 33% relief
Heavy-volume mix: how Pennymac Loan Services, LLC.'s 6.1K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 5.0K |
| Credit reporting or other personal consumer reports | 536 |
| Debt collection | 305 |
| Credit reporting, credit repair services, or other personal consumer reports | 243 |
| Money transfer, virtual currency, or money service | 10 |
| Debt or credit management | 9 |
| Bank account or service | 6 |
| Checking or savings account | 5 |
| Payday loan, title loan, or personal loan | 4 |
| Credit card | 2 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Credit reporting | 2 |
| Consumer Loan | 1 |
| Other financial service | 1 |
| Vehicle loan or lease | 1 |
| Credit card or prepaid card | 1 |
Nationwide filing states for Pennymac Loan Services, LLC.
Top states by attributed volume, heavy-filing company
- Leading state
- FL
- 11.5% of this company's filings
Pennymac Loan Services, LLC. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 718
- +1336% vs 2012
Volume vs. relief
Where Pennymac Loan Services, LLC. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Pennymac Loan Services, LLC. files more complaint volume than 71% of them, and closes complaints with relief more often than 71% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 6,092 · Closed with relief: 13.4%
Top States
| State | Complaints |
|---|---|
| FL | 702 |
| CA | 656 |
| TX | 593 |
| GA | 397 |
| VA | 289 |
| MD | 242 |
| PA | 224 |
| NJ | 197 |
| MI | 187 |
| NY | 180 |
| NC | 176 |
| AZ | 156 |
| IL | 154 |
| TN | 122 |
| CO | 121 |
| OH | 118 |
| MA | 116 |
| SC | 112 |
| LA | 111 |
| WA | 109 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 2.0K |
| Struggling to pay mortgage | 916 |
| Incorrect information on your report | 651 |
| Loan servicing, payments, escrow account | 574 |
| Loan modification,collection,foreclosure | 472 |
| Applying for a mortgage or refinancing an existing mortgage | 394 |
| Closing on a mortgage | 229 |
| Attempts to collect debt not owed | 170 |
| Problem with a company's investigation into an existing problem | 152 |
| Improper use of your report | 122 |
| Problem with a credit reporting company's investigation into an existing problem | 101 |
| Took or threatened to take negative or legal action | 47 |
| Application, originator, mortgage broker | 43 |
| False statements or representation | 36 |
| Settlement process and costs | 35 |
| Written notification about debt | 30 |
| Other | 25 |
| Credit decision / Underwriting | 19 |
| Unable to get your credit report or credit score | 8 |
| Disclosure verification of debt | 8 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 50 | 100% |
| 2013 | 96 | 95.8% |
| 2014 | 238 | 97.5% |
| 2015 | 357 | 99.7% |
| 2016 | 345 | 100% |
| 2017 | 288 | 100% |
| 2018 | 329 | 99.7% |
| 2019 | 329 | 100% |
| 2020 | 403 | 99.8% |
| 2021 | 437 | 99.8% |
| 2022 | 398 | 100% |
| 2023 | 479 | 100% |
| 2024 | 594 | 100% |
| 2025 | 1.0K | 100% |
| 2026 | 718 | 99.9% |
Source: CFPB Consumer Complaint Database
Pennymac Loan Services, LLC. filings cluster in one product
Pennymac Loan Services, LLC.'s 6,092 logged complaints reach a nationwide footprint - 55 states have at least one filing. 48.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25.
Pennymac Loan Services, LLC. answers 99.8% of complaints inside the CFPB's tracked window and closes 86.1% with a written explanation. 13.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Pennymac Loan Services, LLC..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Pennymac Loan Services, LLC.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 6.1K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Pennymac Loan Services, LLC. (#100 of 342; 99.8% timely; 13.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration