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PennyMac reports Q4 profit of $107M as origination growth offsets MSR runoff
['Sarah Wolak']
HousingWire
The production segment reported pretax income of $127.3 million, up from $122.9 million in Q3 2025 and $78 million in Q4 2024.
Total rate locks rose to $46.8 billion, up 8% from the prior quarter and 29% from a year earlier.
Correspondent acquisitions fulfilled for PMT totaled $3.7 billion in UPB, also higher than in Q3 2025 and in Q4 2024.
Excluding valuation-related items, servicing pretax income fell 70% from the prior quarter.
Pretax income increased to $551.4 million, up from $401 million in 2024, while total net revenue climbed to $2 billion, up from $1.6 billion in 2024.