Our loan officer, Shirley Maquina, was fantastic! Very professional, personable and patient. We had a lot of questions and she answered them in terms we could understand. Always followed up quickly... See more
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Review summary
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What people talk about most
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One of the best decisions I made in this journey was choosing PennyMac! From the beginning Loan Officer Ross Flaharty was amazing. Knowledgeable, patient, and professional. Everything was explained an... See more
Company replied
PennyMac is a well-oiled machine. The process moves along well. Every step of the way is easy to move through. Systems are set up well, easy to upload docs and connect with the staff. This current... See more
Company replied
Michael was at all times very professional and polite. He returned all call promptly and if he could not answer a question directly he got the answer and called us back before the end of the business... See more
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Company details
- #17 of 35 best companies in Mortgage Lender
- #122 of 192 best companies in Financial Consultant
- #6 of 15 best companies in Mortgage Broker
- #146 of 252 best companies in Non-Bank Financial Service
Our Mission
Written by the company
- Your Journey To Homeownership.
- For nearly two decades, Pennymac has established itself as a leading and respected mortgage lender and servicer, helping more than 5.3 million homeowners achieve their aspirations of homeownership. Pennymac’s dedication to affordable lending and sustainable homeownership continues to support its long-term growth and the customer experience. Pennymac offers a wide range of tailored loan solutions for home purchase, refinance, cash-out refinance and home equity needs, including FHA, VA, investment property and jumbo loans, as well as fixed-rate and adjustable-rate (ARM) options. A Pennymac Loan Expert works with borrowers to explain their options and outline what to expect, helping them move forward with greater confidence.
- Award-Winning Service And Expertise.
- As a leader in the industry, Pennymac holds top national rankings as the #1 correspondent aggregator, #2 overall lender and #3 wholesale lender. That level of experience is paired with a strong focus on service, including support that continues throughout the life of each loan. The company is also a 5-star-rated lender on LendingTree and an A+ rated accredited business with the Better Business Bureau. Recognition from trusted third parties further reflects this commitment to customers. Pennymac is honored to be recognized by USA Today as one of America’s Best Customer Service providers in Financial Services and continues to set industry standards, earning accolades such as 2025 America’s Most Loved Workplace as featured in The Wall Street Journal, 2026 Military Friendly Employer, Mortgage Women Magazine’s 2025 Top Employer for Women and National Mortgage Professional Magazine’s 2025 Best Military Lender. In 2025, Pennymac also became The Official Mortgage Supporter of Team USA and the LA28 Olympic and Paralympic Games.
How can we help?
Discover your journey to Greatness with Pennymac
Contact info
United States
- www.pennymac.com
4.6
Excellent
3K reviews
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Very friendly and professional service…
Very friendly and professional service from beginning to end. We were very pleased with how quickly our HEL was processed. Taylor and Joy did an excellent job keeping us informed on the progress of our loan. It was so nice to deal with such a great customer service team.
July 16, 2026
Reply from PENNYMAC
Hi there,
We are so pleased to hear about your positive experience! It's wonderful to know that our team provided friendly and professional service, keeping you informed throughout the quick processing of your loan. Thank you for sharing your kind words.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Pennymac is a trusted leader in home in home mortgages …
Pennymac is a trusted leader in home mortgages. We had our previous mortgage with PennyMac and when we needed to refinance our current construction loan into a fixed rate VA loan, Adam and the PennyMac team made the process simple. They offered a competitive rate and kept us updated during the process with weekly calls from the Mortgage Success Team.
July 17, 2026
Reply from PENNYMAC
Lori,
We're so pleased to hear that your experience with us was a positive one, especially with the refinance of your construction loan into a VA loan. It's wonderful to know that our team made the process simple and kept you well-informed.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Good experience with PennyMac
This is our second investment property mortgage with PennyMac. Gabriel Medina was our initial loan officer. Gabriel was very helpful with discussing different loan options. Communication with the whole PennyMac team was good. Fees were reasonable. Process took a little longer than I anticipated, but I would definitely use the PennyMac team for future mortgages.
July 16, 2026
Reply from PENNYMAC
Jason,
We are so pleased to hear about your positive experience with us on your second investment property mortgage. We appreciate you highlighting the helpful discussions regarding loan options and the good communication from our team. We understand that the process took a bit longer than anticipated, and we value your continued trust in us for future mortgages. Thank you for your wonderful feedback!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Reply from PENNYMAC
Jenelle,
We're happy to hear that our process for viewing and signing documents was easy for you. We appreciate your positive feedback!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
My loan officer was available and…
My loan officer was available and willing to answer questions at any time
July 17, 2026
Reply from PENNYMAC
William,
We're so glad your loan officer was available and willing to answer your questions. Thank you for your kind words! We're always happy to help.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
The process was straightforward quick…
The process was straightforward quick and easy. I was able to meet my goals with the help I needed
July 17, 2026
Reply from PENNYMAC
Jami,
We're so glad to hear that the process was straightforward, quick, and easy for you! It's wonderful to know that you were able to meet your goals with the help you needed. We appreciate your kind words.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Travis Holmquist is truly a gem for…
Travis Holmquist is truly a gem for this organization! The level of patience and understanding he displayed to make this work in my favor and ensuring I understand the process was outstanding!
July 17, 2026
Reply from PENNYMAC
Hi there,
We're so pleased to hear about your positive experience! It's wonderful to know our team displayed such patience and understanding, ensuring you felt supported throughout the process. Thank you for sharing your feedback.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Everything thing was made so easy
Everything thing was made so easy! Your support was very helpful!
July 16, 2026
Reply from PENNYMAC
Frank,
We're so glad to hear that everything was made easy for you and that our support was very helpful. We truly appreciate your positive feedback!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Michael was excellent
Michael was excellent. Very helpful with understanding the process. He made this a pleasant experience.
July 16, 2026
Reply from PENNYMAC
Jennifer,
We are so glad to hear that our team made your experience pleasant and helped you understand the process. Thank you for your kind words!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Patience is the key to making the process easier.
My experience was great because I always felt comfortable. Brittany was very patient and understanding and was always willing to help whenever I reached out to her. Everyone involved in this process were very helpful and explained the process step by step.
July 17, 2026
Reply from PENNYMAC
Marsha,
We're so glad to hear about your positive experience and that you felt comfortable throughout the process. It's wonderful that our team was patient, understanding, and helpful every step of the way.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Reply from PENNYMAC
Mendola,
We're so glad to hear that your experience was easy and transparent. Thank you for sharing your positive feedback with us!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Miss Jessa was so helpful and…
Miss Jessa was so helpful and understanding throughout the entire process. Very nice and helpful!
July 16, 2026
Reply from PENNYMAC
Frank,
We're so glad our team member was helpful and understanding throughout the process. We truly appreciate your kind words! We're always happy to help.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Easy to apply
Easy to apply & you always had a contact person to reach out to for any questions
July 16, 2026
Reply from PENNYMAC
Leslie,
We're so happy to hear that you found the application easy and that you always had a contact person to assist you. Thank you for sharing your positive experience!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Ease and convenient access to docs and…
Ease and convenient access to docs and uploads.
July 14, 2026
Reply from PENNYMAC
James,
We're so happy to hear that you found our document access and upload process to be easy and convenient! We strive to make things as smooth as possible for our users.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
I had a great experience with Stephanie…
I had a great experience with Stephanie McGrath. She found a way to get me to the finish line and become a homeowner. I really appreciate her assistance and communication around the whole process
July 15, 2026
Reply from PENNYMAC
Hi isabel,
We are so pleased to hear about your positive experience with our team member. It's wonderful to know that their assistance made the process smooth and efficient for you. We truly appreciate your kind words and recognition.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Communication was great
July 16, 2026
Reply from PENNYMAC
Hi Christy,
We're so happy to hear our team communicated with you well.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Excellent customer service from the…
Excellent customer service from the beginning of the process until the closing. Excellent communication throughout the entire process.
July 16, 2026
Reply from PENNYMAC
Hi Tina,
We're so happy to hear that you experienced excellent customer service and communication throughout the entire process. Thank you for your wonderful feedback!
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Friendly and very knowledgeable
I felt very informed on my decisions for purchasing a home. I was given all the opportunity to submit required docs on my time and had prompt follow ups with any questions I had. Everyone was great to work with and made the process very easy.
July 11, 2026
Reply from PENNYMAC
Hi there,
We're so happy to hear that you felt well-informed and that our team made the process easy for you. It's wonderful to know we could accommodate your schedule and provide prompt follow-ups.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
I love Pennymac
I love Pennymac! Everyone is so kind, the financing is straightforward and made easy by the wonderful people you work with, and the multiple methods for communication is perfection! Thank you for making my life easier and my mortgage rate manageable!
July 16, 2026
Reply from PENNYMAC
Hi Keasha,
We are so pleased to hear about your positive experience! It's wonderful to know that our team made your financing straightforward and easy, and that you appreciate our communication methods. Thank you for sharing how we made your life easier and your mortgage rate manageable.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
Joeleen always kept me updated… the…
Joeleen always kept me updated… the response by all involved was spot on….. always available to answer any questions I had. Thank you.
July 15, 2026
Reply from PENNYMAC
Hi Susan,
We are so pleased to hear that you felt well-informed and supported throughout your experience. It's wonderful to know that our team was readily available to assist you.
Please text us at (805) 716-6348 if you ever have any questions or need assistance in the future. We're always happy to help.
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