PennyMac Financial Services, Inc. (PFSI)

Mortgage lender and servicer, 4,900 domestic employees. Read October 20, 2026 from the annual report for the period ending December 31, 2025, filed February 20, 2026. Ranked 9 of the 120 Financial Services companies read so far, by the share within reach now.

The filing states 4,900 domestic employees in mortgage production and servicing with nothing counted by segment, so one nondepository credit pattern carries the workforce.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 41% now, 59% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 28% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 59% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

4,900 employees as of December 31, 2025 (stated). The filing counts domestic employees only and states no count abroad, so the stated count is U.S. (recorded as 1, flagged).

The filing: “We had approximately 4,900 domestic employees as of the end of fiscal year 2025.”

The workforce as industry patterns

What the filing says about the workforce: About 4,900 domestic employees, up from 4,100 a year earlier; the filing also manages PennyMac Mortgage Investment Trust, which has no employees of its own.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• American Express Company (AXP, 76,800 employees)41% now, 66% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)37% now, 61% by 2028
• FirstCash Holdings, Inc (FCFS, 22,000 employees)39% now, 66% by 2028
• Synchrony Financial (SYF, 20,000 employees)41% now, 66% by 2028
• OneMain Holdings, Inc. (OMF, 9,300 employees)41% now, 66% by 2028
• UWM Holdings Corporation (UWMC, 9,100 employees)37% now, 67% by 2028
• EZCORP, Inc. (EZPW, 8,500 employees)41% now, 66% by 2028
• Rithm Capital Corp. (RITM, 7,240 employees)38% now, 64% by 2028

What the filing says about AI

16 sentences in the filing name AI. The filing names AI among the methods of increasingly sophisticated cyberattacks and among the cloud and AI service providers its systems rely on, in its risk factors.

• “If our estimates prove to be inaccurate, we may be required to write down the fair values of our investments or suffer a loss that could adversely affect our business, financial condition, liquidity and results of operations. ● Our ownership of mortgage servicing rights exposes us to prepayment, delinquency, interest rate and regulatory risks. ● We may not realize all of the anticipated benefit...”
• “The result of these incidents may include disrupted operations, misstated or unreliable financial data, liability for stolen assets or information, increased cybersecurity protection and insurance costs, litigation and damage to our investor relationships. ​ As our reliance on rapidly changing technology has increased, so have the risks posed to our information systems, both proprietary and tho...”
• “We also may not be able to anticipate or implement effective preventive measures against all security breaches, especially because the methods of attack change frequently, have become increasingly sophisticated, including through the use of artificial intelligence, and may not be recognized until after such attack has been launched, and because security attacks can originate from a wide variety...”
• “We are also held accountable for the actions and inactions of our third party vendors and service providers regarding cybersecurity and other consumer-related matters. ​ Any of the foregoing events could result in violations of applicable privacy and other laws, financial loss to us or to our customers, loss of confidence in our security measures, customer dissatisfaction, additional regulatory...”
• “We have experienced, and may in the future experience, service disruptions and failures caused 32 Table of Contents by system or software failure, human error or misconduct, external attacks (e.g., computer hackers, hacktivists, nation state-backed hackers), denial of service or information, malicious or destructive code (e.g., ransomware, computer viruses and disabling devices), as well as nat...”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20230median 1
• Fiscal 20248median 4
• Fiscal 202516median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The filing counts domestic employees only; any employees abroad are not stated (rule 12).

Source: the company's annual report on EDGAR, accession 0001104659-26-018142, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.