The stock was sold at an average price of $58.12, for a total value of $741,030.00. Stanford Kurland. In order to protect the value of our MSR asset we utilize a comprehensive hedging strategy. The prepayment speeds of PennyMac Financials subserviced portfolio which includes mostly Fannie Mae and Freddie Mac mortgage servicing rights owned by PMT decreased slightly to 38.9% from 39.2%. The UPB of completed modifications was $6.3 billion, up significantly from $4 billion last quarter and the UPB of EBO loan volume totaled $5 billion, also up significantly from last quarter as a result of the continued focus on loss mitigation activities. Economic forecasts are calling for the mortgage origination market to remain strong in 2021, and while these forecasts vary, they currently average $3.3 trillion. 112 S. Lakeview Canyon Rd, Ste. David served as President and Chief Investment Officer and President and Chief Operating Officer for PennyMac. As you can see in greater detail on slide 21, EBO loan-related revenue increased significantly to $233.3 million as a result of continued loss mitigation activity with borrowers emerging from forbearance while related expenses were modest as most of the loans bought out returned to performing status immediately. President & CEO of Pennymac Financial Services Inc (30-Year Financial, Insider Trades) David Spector (insider trades) sold 30,000 shares of PFSI on 01/12/2021 at an average price of $57.43 a share. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Our large, organically built servicing portfolio provides a counter-balance to our production activity. In July, our correspondent acquisitions were $15 billion in UPB and locks were $12.8 billion. On Monday, December 12th, David Spector sold 12,750 shares of PennyMac Financial Services stock. Wells Fargo & Company raised PennyMac Financial Services from an equal weight rating to an overweight rating and lifted their price objective for the company from $54.00 to $75.00 in a report on Tuesday, December 6th. We believe the growth opportunities in front of us to be substantial and as we continue to grow our direct lending channels, we expect PennyMac Financials exceptional financial performance to persist through 2021. The TipRanks Smart Score performance is based on backtested results. While we experienced hedging losses in the quarter, the decrease was more than offset by PFSIs production income. Finally, Barclays lifted their price objective on PennyMac Financial Services from $58.00 to $69.00 and gave the company an equal weight rating in a report on Friday, February 3rd. As Chairman & CEO of Pennymac Financial Services, Inc, David Spector has a total base salary of $1,000,000 . We issued $650 million in an inaugural senior unsecured note offering, raised funding capacity with our banking partners, and enhanced our existing Ginnie Mae MSR financing structure to include servicing advances. Interest rate lock commitments in the fourth quarter totaled $12.8 billion in UPB, up 18% from the prior quarter, and 135% from the fourth quarter of 2019. As we look at 2021 we believe the market environment provides PFSI a good opportunity for continued elevated financial performance. The price of the stock has decreased by 14.5% since. This concludes PennyMac Financial Services, Inc.'s second quarter earnings discussion. This was all done while the vast majority of our employees were working from home for most of the year. NMLS ID # 35953. The shares were sold at an average price of $60.80, for a total transaction of $912,000.00. Right now, we realize the importance of home like never before. Good morning and thank you for joining us. These transactions provide PennyMac the additional capacity and liquidity to efficiently execute loss mitigation strategies as sales of these loans to third parties also eliminate the potential for associated margin calls. In the fourth quarter, PennyMac Financial delivered net income of 38 We believe this represents approximately 13% of the total brokers and non-delegated sellers active in the market today, providing continued room for growth and expansion within the channel in the future. Following the transaction, the chief executive officer now directly owns 650,183 shares in the company, valued at approximately $39,427,097.12. PennyMac. Dan Perotti, PFSI's Senior Managing Director and Chief Financial Officer, will discuss our financial performance in more detail later on in his discussion. Operating expenses were also down quarter-over-quarter as the prior quarter included seasonal accruals of compensation related expenses. PennyMac Financial Services Inc had annual average EBITDA growth of 35.90% over the past five years. PennyMac Loan Services, LLC PO Box 950002 Fort Worth, TX 76155-9802, PennyMac Loan Services, LLC PO Box 5133 Thousand Oaks, CA 91359-5133, 3043 Townsgate Rd, Suite 200 Westlake Village, CA 91361 818.224.7442. David Spector joined PennyMac in 2008. Thank you, David. And the committed pipeline at July 31 was $1.9 billion. While industry production margins declined in the second quarter, we saw a smaller decrease in overall production margin given the mix shift towards our consumer direct lending channel. Director, 10% Owner Stanford L Kurland sold 31,000 shares of PFSI stock on 01/07/2021 at the average price of $60.12. Head over to our Expert Center to see a list of the, Invest Like a Pro with Unique Data & Simplifed Tools, See the Hottest Stocks Based on Insider Trading >. It operates through the following segments: Production, Servicing, and Investment Management. In total, loan acquisition and origination volumes were $61 billion in the second quarter. Thank you. On Wednesday, March 1st, David Spector sold 26,169 shares of PennyMac Financial Services stock. While our employee base grew by 60% during the year, our production volumes grew by 67% and our earnings increased by 328%. David Spector Chief Investment Officer Agoura Hills, California, United States 1K followers 500+ connections Join to connect Penny Mac University of California, Los Angeles Activity Thank you. Our large production volumes fuel the organic growth of our servicing portfolio, leading to a larger recurring stream of earnings. The stock was sold at an average price of $60.64, for a total value of $1,586,888.16. It operates through the following segments: Production, Servicing, and Investment Management. The committed pipeline at January 31 was $3 billion. PennyMac Financial Services, Inc. (NYSE:NYSE:PFSI) Q2 2021 Earnings Conference Call August 5, 2021 5:05 PM ETCompany ParticipantsIsaac Garden - Vice President, Investor RelationsDavid. While the Pennymac workforce stays home to help flatten the curve, we know first responders, medical staff, delivery drivers, our essential workers and more, are out there heroically providing for those in need. The ongoing success can be attributed to the increased application of data analytics, our growing servicing portfolio and the investments we have made in the loan fulfillment and sales process. While many of these employees aided in our record production growth and increased servicing activities due to COVID, these hires were consistent with PFSIs long-term strategy. Thanks, Doug. As you will see on slide 20, we provide a breakdown of the revenue contribution from each of PFSIs loan production channels, net of loan origination expenses, including the fulfillment fees received from PMT for conventional correspondent loans. 3043 Townsgate Rd Ste 200, Westlake Village, CA 91361-3027. On Monday, February 27th, David Spector sold 15,000 shares of PennyMac Financial Services stock. However, he will become a special advisor to David Spector, chairman and chief . Direct lending locks were up 13% from the prior quarter, total correspondent lock volume was up 9% and the servicing portfolio was up 6% from the end of the third quarter. David Spector Work Experience and Education Work Experience Chairman & Chief Executive Officer PennyMac Mortgage Investment Trust 2007-2022 Chief Credit Officer Santander Consumer USA 2013-2016 Co-Head of Global Residential Mortgages Morgan Stanley 2005-2008 Global Managing Director, Banking & Markets Bank of America 2004-2010 Education For servicing on your existing mortgage account with Pennymac. This growth has focused on new customer acquisition and resulted in our non-portfolio interest rate lock commitments hitting a record in the fourth quarter at 1.3 billion, up from 906 million in the third quarter, an increase of 43%. Since trades have not actually been executed, results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity, and may not reflect the impact that certain economic or market factors may have had on the decision-making process. This hiring mostly occurred in three key areas, servicing, direct lending and fulfillment services. State of Wyoming raised its position in shares of PennyMac Financial Services by 9.3% during the 4th quarter. The company was founded by Stanford L. Kurland on July 2, 2008 and is headquartered in Westlake Village, CA. Please. As the CEO of PennyMac Financial Services, Inc., Mr. Spector earned a total compensation package of $13,575,224.00 in 2021. If so, please call us at 866.545.9070. These businesses are foundational to PFSI and not easily replicated. We believe PennyMac Financial's business model with production from the correspondent, consumer direct and broker direct channels contributes to PennyMac Financial's profitability across different production environments. Learn More on David A. Spector's trading history. This performance added to a remarkable year that saw PFSI achieve a return on equity of 62% with almost $200 billion in UPB of loans funded. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. Following the completion of the sale, the chief executive officer now directly owns 650,183 shares of the company's stock, valued at $39,427,097.12. David Spector latest transaction was an Uninformative Buy of . The most recent insider tranaction occured on March, 1st when insider Steven Richard Bailey sold 13,604 shares worth more than $825,762.80. And with that, I would like to turn it back to David for some closing remarks. The committed pipeline at January 31 was $7.9 billion. The company has a market cap of $3.09 billion, a price-to-earnings ratio of 7.36 and a beta of 1.49. For the complete insider trading history of PFSI, click here. GuruFocus has detected 5 severe warning signs with PennyMac Financial Services Inc. . The predominant outcome has been through loan modifications to the borrowers to aid in their recovery. Revenue per fallout adjusted lock for PFSIs own account was 217 basis points in the fourth quarter, down slightly from 236 basis points in the third quarter. 67.03% of the stock is currently owned by institutional investors and hedge funds. As you can see on slide 10 of the presentation, consumer and broker direct represented 23% of fallout-adjusted lock volume in the second quarter but accounted for approximately 70% of segment pretax income. David A Spector, Pennymac Mortgage Investment: Profile and Biography - Bloomberg Markets Markets Trafigura's Nickel Nemesis Was Already Notorious in Metal Circles The Week Your Saturday UK. Information on this page was last updated on 3/1/2023. What is David Spector's role in PennyMac Mortgage? On slide 14, you can see the fair value of our MSR decreased by $251 million in the second quarter and included $196 million in fair value losses as a result of higher expectations for prepayment activity in the future driven by lower mortgage rates and a flatter yield curve, as well as an additional $55 million in other valuation declines. Lastly, our broker direct channel continued its impressive growth in both locked and funded volumes as we increase the number of approved brokers and our presence in the channel grows. Series 2023-GTL1 Loan On February 28, 2023, PennyMac Financial Services, Inc. (the "Company"), through two of its indirect, wholly owned subsidiaries, PNMAC GMSR ISSUER TRUST ("Issuer Trust") and PennyMac Loan Services, LLC ("PLS"), entered into a syndicated series of term notes (the "Series 2023-GTL1 Loan"), as part of the structured . PennyMac Financial's owned portfolio reported a prepayment speed of 28.3% in the second quarter, down from 32.6% in the prior quarter. Headquarters. The direct lending channels have an outsized impact on PFSI's production earnings, as Andy mentioned earlier. PennyMac remained the largest correspondent aggregator in the U.S. in the fourth quarter. Main Telephone (818) 224-7442 Primary Address 3043 Townsgate Road Suite 200 Westlake Village, CA 91361 USA Fiscal Close December Founded 2008 All loan programs subject to borrowers meeting appropriate underwriting conditions. This net worth estimate does not reflect any other assets that Mr. Spector may own. Jeffrey W. Martin Sells 10,413 Shares of Sempra (NYSE:SRE) Stock, Robert Brian Mitchell Sells 38,000 Shares of Globe Life Inc. (NYSE:GL) Stock, Get a free copy of the StockNews.com research report on PennyMac Financial Services (PFSI), Hormel Hits 2-Year Low, And The Dip Gets Bought, Heres Why Ross Could Soon Be Hitting All Time Highs. The barriers to entry for these businesses that require scale for success provide PFSI a strategic advantage over our competitors. We quickly developed a plan to deal with the COVID-19 pandemic and the various work from home orders across the nation. The scale we have achieved in our correspondent business, combined with our low-cost structure and operational excellence in the channel, allow us to operate profitably through volatile market environments. Backtested results are adjusted to reflect the reinvestment of dividends and other income and, except where otherwise indicated, are presented gross-of fees and do not include the effect of backtested transaction costs, management fees, performance fees or expenses, if applicable. Equal Housing Opportunity 2023 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. I am Barclays' consumer finance analyst, Mark DeVries. He currently serves as a senior advisor to TPG Capital, a global private investment firm, and . However, margins in this channel remain attractive. We'll review your feedback and if you chose to be contacted, we will respond within 1-2 business days. In his role as President of PennyMac Financial, Mr. Jones is responsible for all business activities relating to the company's loan production and servicing operations. As our production mix continues to shift towards direct lending, production expenses as a percentage of fallout adjusted locks are expected to trend higher. Ultimately, we believe for these reasons, PennyMac will continue its market share growth as a channel leader. David A. Spector has been President and Chief Executive Officer of PennyMac Financial Services, Inc. (NYSE: PFSI) since January 2017, and he has been a member of PennyMac Financials board of directors since the companys formation in January 2008. If you have an ad-blocker enabled you may be blocked from proceeding. Pricing margins in the channel decreased sharply, reflecting intense levels of competition between channel leaders. The corporate mailing address for Mr. Spector and other PennyMac Financial Services executives is 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA, 91361. 10 Ratings. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Insiders at PennyMac Financial Services own 18.0% of the company. Stanford Kurland, who founded and served as Chairman of PennyMac Financial Services Inc., Westlake Village, Calif., following a multi-decade career at Countrywide Financial Corp., passed away on Jan. 25. I'll now turn it over to Dan, who will speak to the financial results for the quarter. Being one of the Find contact details for 700 million professionals. Its Time For A Fresh Look At The Kroger Co. West Frasers Earnings Scream Timber, Outlook Says Buy, MarketBeat.com's FREE daily email newsletter, Tower Research Capital LLC TRC Increases Position in ABB Ltd. Tower Research Capital LLC TRC Has $254,000 Holdings in Daqo New Energy Corp. ABB Ltd Shares Bought by Tower Research Capital LLC TRC. 33% of correspondent acquisitions were government loans and 67% were conventional loans. And for the month of July, we repurchased an additional 2.5 million shares for an approximate cost of $151 million. The business also recently declared a quarterly dividend, which was paid on Friday, February 24th. PennyMac Financial Services, Inc. (NYSE:PFSI Get Rating) CEO David Spector sold 26,169 shares of the firms stock in a transaction dated Wednesday, March 1st. Please disable your ad-blocker and refresh. In July, originations for our consumer direct channel totaled $3.5 billion and locks totaled $5.5 billion. While such a market would be smaller than 2020, it would represent a large origination market by historical standards. Actual performance may differ significantly from backtested performance. Stockholders of record on Tuesday, February 14th were given a dividend of $0.20 per share. PennyMac Financial Servicess payout ratio is 9.54%. While margins across channels have come in lower from the third quarter, we saw the shift in Government correspondent margins come in the most towards more normalized levels. And as our production mix continues to shift toward direct lending, production expenses as a percentage of fallout-adjusted locks are expected to trend higher. The expertise of our deep management team, combined with the technology investments we have made, support PennyMac's growth strategy in a changing mortgage market. Conventional correspondent acquisitions, for which PFSI earns a fulfillment fee from PMT, totaled $38 billion in UPB, up 39% from the prior quarter and 85% from the fourth quarter of 2019. Our capital markets group achieved significant hedging gains that largely offset $1.1 billion in MSR fair value losses over the year, which were driven by historically low interest rates and fast prepayment speeds. StockNews.com raised PennyMac Financial Services from a sell rating to a hold rating in a report on Saturday, February 11th. Hedge funds and other institutional investors have recently modified their holdings of the stock. What is the percentage of profitable transactions made by David Spector? The prepayment speeds of PennyMac Financial's sub-service portfolio, which includes mostly Fannie Mae and Freddie Mac mortgage servicing rights owned by PMT, decreased to 24.7% from 35.1%. Im proud of the actions we have taken and the dedicated management team across the company that has helped put these plans into action. Now I'd like to begin by introducing David Spector, PennyMac Financial's Chairman and Chief Executive Officer who will review the Company's fourth quarter and full-year 2022 results. Senior Managing Director and Chief Financial Officer, will discuss our financial performance in more detail later on in his discussion. Our balanced business model continues to deliver consistent profitability and value creation as it has done over the last seven years as a public company. This balanced business helps generate strong results across a variety of market and rate environments. We also remain very active repurchasing shares driven by our medium-term expectations for PFSI's return on equity. The UPB of completed modifications was $5.5 billion, essentially unchanged from the prior quarter, and the UPB of EBO loan volume totaled $6.8 billion, up from $4.2 billion in the prior quarter. Fourth quarter performance was very strong across loan production and servicing and we continue to see the strength of our balanced business model in our results. Certain assumptions have been made for modeling purposes and are unlikely to be realized. {{ userNotificationState.getAlertCount('bell') }}. Additionally, we believe FHFA's elimination of the adverse market refinance fee has resulted in a larger population of loans that would benefit from a refinance at today's lower rates, further supporting the origination market. The PFSI's owned servicing portfolio, which consists primarily of Ginnie Mae MSRs, had a 60 day delinquency rate of 6.7%, down from 8.6% at the end of the prior quarter. What is David Spector's role in PennyMac Mortgage? We have also seen a large group of borrowers that reperform and exit forbearance on their own. Our consumer direct lending division produced record origination and lock volumes again despite a smaller origination market in the second quarter. All of these activities allowed us to not only fund record volumes of loans, but also effectively deploy capital into technology and operational projects, as well as repurchase a significant amount of our common stock. Before we begin, let me remind you that our discussion contains forwardlooking statements that are subject to risks identified on Slide 2 that could cause our actual results to differ materially, as well as certain non-GAAP measures that have been reconciled to their GAAP equivalent. The percentage of profitable transactions made by David Spector is 44%. The percentage of loans in forbearance decreased to 4.9% at June 30 from 6.3% at March 31, as borrowers in forbearance plans at March 31 who have since exited more than offset new forbearance plans. The ex-dividend date was Monday, February 13th. This brings the total repurchases year-to-date to approximately $600 million. Total correspondent loan acquisition volume was $46.7 billion, down 9% from the prior quarter and up 56% from the second quarter of 2020. President & CEO of Pennymac Financial Services Inc ( 30-Year Financial, Insider Trades) David Spector ( insider trades) sold 30,000 shares of PFSI on 01/12/2021 at an average price of $57.43. No representations and warranties are made as to the reasonableness of the assumptions. What was David Spector's most profitable transaction? This represents a $0.80 dividend on an annualized basis and a dividend yield of 1.29%. T. Rowe Price Investment Management Inc. raised its position in shares of PennyMac Financial Services by 5.4% during the 4th quarter. PennyMac Financial Services, Inc. (NYSE:NYSE:PFSI) Q4 2020 Earnings Conference Call February 4, 2021 4:30 PM ETCompany ParticipantsIsaac Garden - Vice President Investor RelationsDavid. And I'm pleased to be joined by PennyMac Financial Services CEO,. Finally, transactions like these provide meaningful savings to PennyMac Financial over the life of the loan while providing the opportunity for redelivery in the future. Get a breakdown of the different strategies based on detected insider trading activity. PennyMac Financial Services' insider roster includes Anne Mccallion (Director), Farhad Nanji (Director), and David Spector (CEO). With the large and growing servicing portfolio and an industry leading correspondent production group, PFSI is an established leader with a growing presence across all facets of mortgage banking. Up to 5 Backtested results are calculated by the retroactive application of a model constructed on the basis of historical data and based on assumptions integral to the model which may or may not be testable and are subject to losses. the financials in more detail later on in this discussion. Co-op loans not available. Russia's war on Ukraine latest: Putin casts war as battle for nation's survival, India FM Jaishankar says Soros dangerous, debate needed on democracy, Buffett's Berkshire profit falls on investments, currencies, Bill Gates buys Heineken stake, despite saying he's 'not a big beer drinker', Elon Musk recruits team to develop OpenAI rival - The Information, Hedge fund manager Chris Hohn demands Airbus drop Atos deal - letter, Elon Musk's challenge: Stay ahead of the competition, ISS urges Apple shareholders to vote for CEO Tim Cook, other execs' pay packages, Elon Musk accuses media of racism after newspapers drop 'Dilbert' cartoon, French media billionaire Niel fails with bid for TNT television frequence - Arcom, Private National Mortgage Acceptance Co. LLC. Thank you. The Production segment includes mortgage loan origination, acquisition, and sale activities. | 3 Mrz 2023. Mr. Spector owns 650,183 shares of PennyMac Financial Services stock worth more than $40,948,525 as of March 4th. Now I'll turn it over to Doug, who will discuss our mortgage banking businesses. Government correspondent locks were $19.7 billion in UPB, down 2% from the prior quarter and up 22% from the fourth quarter of 2019. The history of PennyMac Financial was borne out of the Great Financial Crisis, with a desire to help distressed borrowers. T. Rowe Price Investment Management Inc. now owns 4,992,531 shares of the real estate investment trusts stock worth $282,877,000 after purchasing an additional 256,717 shares during the last quarter. Maverick Capital Ltd. now owns 7,468 shares of the real estate investment trusts stock worth $423,000 after purchasing an additional 1,873 shares during the last quarter. Hedging and other gains of over $943 million largely offset an MSR fair value decrease of over $1.1 billion. I am incredibly thankful and proud of the over 6,000 PennyMac employees who managed through the challenges of the pandemic to deliver these extraordinary results. While 2020 was a record, we have a long track record of strong performance. David A. Spector Age : 59 Public asset : 66,368,555 USD Linked companies : PennyMac Financial Services, Inc. - PennyMac Mortgage Investment Trust Summary David A. Spector is a businessperson who has been the head of 9 different companies. Segment revenue was $9.7 million, down from $9.8 million in the prior quarter which included gains related to PMT shares owned by PFSI. I will cover each segment's results and then briefly review our forbearance and servicing advance trends. Since the start of 2020, we have repurchased approximately 13% of the PFSI shares that were outstanding at the beginning of 2020. Learn More on David A. Spector's contact information. Our Investment Management segment delivered pretax income of $2.6 million, down from $3.3 million in the prior quarter and down from $5.2 million in the fourth quarter of 2019. PennyMac Financial delivered another outstanding quarter of operational and financial performance, despite the increased volatility in the mortgage market. Many of these employees were on-boarded virtually and have begun their PennyMac careers working from home. General assumptions include: XYZ firm would have been able to purchase the securities recommended by the model and the markets were sufficiently liquid to permit all trading. "I am delighted to announce Doug Jones' election to our. PennyMac Financial Services Inc has a market cap of $4.16 billion; its shares were traded at around $57.450000 with a P/E ratio of 3.36 and P/S ratio of 1.35. Our goal is to be a trusted financial partner that you can count on as long as you own your home. On Wednesday, March 1st, David Spector sold 26,169 shares of PennyMac Financial Services stock. David Spector. Learn More about insider trades at PennyMac Financial Services. PennyMac Financial Services, Inc. (NYSE: PFSI) announced today that Doug Jones, President and Chief Mortgage Banking Officer, joined its Board of Directors effective March 1, 2023. Additionally, PFSI's Board of Directors approved an increase to its stock repurchase authorization from $1 billion to $2 billion. View open jobs at this location. Enter your email address below to get our daily insider buying and selling report. These businesses provide PFSI a stable foundation through their low cost structures while our scaled fulfillment operation enables more aggressive growth in our higher margin direct lending channels. With that, I will turn the call over to Andy Chang, Senior Managing Director and Chief Operating Officer, who will go through some of the initiatives we are focused on to position us for future success in the years to come. PennyMac Financial delivered strong fourth quarter results, marking the end to a record year. The origination market continues to be strong on a historical basis as mortgage rates have recently returned to near record lows. Net income was $453 million or diluted earnings per share of $5.97 resulting in book value growth per share of 15% to $47.80, up from $41.67 at the end of the prior quarter. January 25, 2021, 12:31 p.m. EST 1 Min Read. In the last year, insiders at the real estate investment trust sold shares 23 times. Lastly, we encourage investors with any questions to reach out to our Investor Relations team by email or phone. 3043 Townsgate Road, Suite 200, Westlake Village, California 91361, US, View PennyMac Loan Services, LLC Attention: Correspondence Unit PO Box 514387 Los Angeles, CA 90051-4387, Notice of Error and Information Requests Only. This financial performance is driven by the balanced business model in mortgage banking that we have built over the last 13 years. Purchase originations in 2021 are forecasted to increase 10% year-over-year while refinance originations are expected to decrease but remain elevated relative to historical norms. We estimate that our market share in the channel has increased meaningfully since last year, and we now account for approximately 1.3% of total originations in the channel. This growth in production is not only due to the significant investments we have made in our production technology, which Doug will elaborate on later, but is also due to the considerable investments we have made in people. The Big Take is the very best of Bloomberg's in-depth, original reporting from around the globe every day. PennyMac Financial Services, Inc. (NYSE:PFSI) Q4 2020 Earnings Conference Call February 4, 2021 4:30 PM ET, Isaac Garden - Vice President Investor Relations, David Spector - President and Chief Executive Officer, Doug Jones - Chief Mortgage Banking Officer.
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