PennyMac phone numbers
Ranked #17 of 75 by complaint volume · 5,426 complaints · 99.7% timely response
Every number above is copied from PennyMac's own site on the date shown. If one has changed, the number on your mortgage statement wins.
How PennyMac Compares
For PennyMac, "Trouble during payment process" accounts for 39.6% of CFPB mortgage complaints in this profile; volume rose 55% from 2024 to 2025, ranking it #17 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's upper third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: Carrington Mortgage and HSBC North America.
What Borrowers Complain About
PennyMac borrowers' most common complaint category is "Trouble during payment process" at 39.6% of all complaints, followed by "Struggling to pay mortgage" at 21%. The three most cited specific problems are: "escrow, taxes, or insurance" (8.7%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (5.6%), "trying to communicate with the company to fix an issue while managing or servicing your loan" (4.2%).
The third most common category is "Loan servicing, payments, escrow account" at 10.6%, representing 574 complaints.
Other frequently cited problems include "payment process" (3.6%) and "applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu" (3.1%).
Complaint volume rose for 3 consecutive years (2022: 327, 2023: 369, 2024: 444, 2025: 686).
Most complaints involve FHA mortgages (32.9%), followed by conventional mortgages (30.6%).
PennyMac's consumer dispute rate of 4% is below the 8.3% industry average.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for PennyMac from 2012 to present.
Annual Complaints — PennyMac
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — PennyMac
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Trouble during payment process | 2,148 | 39.6% |
| Struggling to pay mortgage | 1,138 | 21% |
| Loan servicing, payments, escrow account | 574 | 10.6% |
| Loan modification,collection,foreclosure | 472 | 8.7% |
| Applying for a mortgage or refinancing an existing mortgage | 423 | 7.8% |
| Closing on a mortgage | 252 | 4.6% |
| Incorrect information on your report | 188 | 3.5% |
| Problem with a company's investigation into an existing problem | 64 | 1.2% |
| Application, originator, mortgage broker | 43 | 0.8% |
| Settlement process and costs | 35 | 0.6% |
How PennyMac Responds
PennyMac closes 85.3% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 6.1% to the borrower, which is notably above average. 8.4% received non-monetary relief such as account corrections or fee waivers. Borrowers disputed 4% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 4,628 | 85.3% |
| Closed with non-monetary relief Non-monetary relief | 455 | 8.4% |
| Closed with monetary relief Monetary relief | 331 | 6.1% |
| In progress | 7 | 0.1% |
| Closed | 5 | 0.1% |
Top States by Complaint Volume
View all 51 locations
| State | Complaints |
|---|---|
| FL | 615 |
| CA | 614 |
| TX | 540 |
| GA | 332 |
| VA | 255 |
| MD | 223 |
| PA | 202 |
| NJ | 186 |
| NY | 156 |
| NC | 151 |
| AZ | 143 |
| IL | 128 |
| CO | 121 |
| TN | 120 |
| OH | 113 |
| WA | 103 |
| SC | 100 |
| LA | 99 |
| AL | 89 |
| MA | 89 |
| NV | 80 |
| MN | 78 |
| MO | 70 |
| IN | 66 |
| MI | 65 |
| UT | 59 |
| OR | 58 |
| WI | 53 |
| KY | 48 |
| AR | 46 |
| CT | 40 |
| DC | 40 |
| OK | 30 |
| KS | 27 |
| DE | 25 |
| ID | 24 |
| IA | 23 |
| HI | 21 |
| NM | 21 |
| ME | 17 |
| NE | 16 |
| RI | 16 |
| NH | 13 |
| WV | 11 |
| MS | 10 |
| VT | 9 |
| SD | 9 |
| MT | 8 |
| AK | 6 |
| WY | 5 |
| ND | 3 |
PennyMac's complaints concentrate in Florida (615), California (614), and Texas (540). These three states account for 33% of all complaints. If you're dealing with PennyMac, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: Florida, California and Texas.
Enforcement Record
We don't list a CFPB enforcement action against PennyMac. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. 5,426 complaints are on record since 2012, ranking #17 among the 75 largest mortgage servicers.
You can file a CFPB complaint about PennyMac, which responded to 99.7% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for PennyMac. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search PennyMac Complaints
Browse the 500 most recent complaints filed against PennyMac. Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 39.6% of all complaints. Most complaints originate from Florida.
Know Your Rights with PennyMac
File a CFPB Complaint
If PennyMac is mishandling your mortgage, file a complaint with the CFPB. PennyMac currently responds to 99.7% of complaints on time, ranking #15 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review PennyMac's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in Florida (their highest complaint state), find local help.
Find Legal Aid
If PennyMac is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about PennyMac
How many complaints does PennyMac have?
PennyMac has 5,426 mortgage-related complaints in the CFPB database since 2012, ranking #17 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.7%, which is above the 98.8% average across the 75 largest servicers. Complaint volume rose 55% between 2024 and 2025.
What is the most common complaint about PennyMac?
The most common complaint category is "Trouble during payment process" at 39.6% of all complaints — payment processing problems — misapplied payments, escrow calculation errors, and billing disputes. Borrowers report payments credited late or to the wrong account, escrow shortages they weren't notified about, and unexplained fee charges. The most frequently cited specific problem is "escrow, taxes, or insurance" (8.7% of complaints). The second most common category is "Struggling to pay mortgage" at 21%.
Has PennyMac faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against PennyMac. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 5,426 complaints, ranking #17 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against PennyMac?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name PennyMac as the company. Select "FHA mortgage" as the sub-product — 32.9% of complaints against PennyMac fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to PennyMac, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for PennyMac?
The 99.7% timely response rate means PennyMac responded to that share of complaints within the CFPB's applicable response window, ranking #15 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 6.1% and 8.4% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 85.3% — means the servicer responded but did not necessarily resolve the borrower's issue.