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Lowell Chamber Orchestra Announces 2026 International Call for Scores – Supporting Emerging Composers Through Art and Access

Now in its sixth year, the competition exemplifies the LCO's charitable mission: to make high-quality classical music freely accessible to all

LOWELL, Mass., Oct. 27, 2025 (SEND2PRESS NEWSWIRE) — The Lowell Chamber Orchestra (LCO) has announced its 2026 International Call for Scores, inviting composers of all ages and nationalities to submit new works for chamber orchestra. The winning piece will be performed and professionally recorded during LCO’s 2026–2027 season, with the composer receiving a $1,200 cash prize and a $300 travel stipend.

Composer Simon Andrews (left), winner of the LCO 2025 Call-for Scores, and LCO Music Director Orlando Cela, rehearsing Andrews’ work. Photo credit: Noya Photo
Image caption: Composer Simon Andrews (left), winner of the LCO 2025 Call-for Scores, and LCO Music Director Orlando Cela, rehearsing Andrews’ work. Photo credit: Noya Photo.

Now in its sixth year, the competition exemplifies the LCO’s charitable mission: to make high-quality classical music freely accessible to all while promoting today’s living composers. All LCO concerts are free to attend, ensuring that every new work premiered through the Call for Scores reaches audiences regardless of financial means.

“We believe that access and innovation go hand in hand,” says Orlando Cela, Music Director of the Lowell Chamber Orchestra. “This competition helps us bring bold, diverse voices to the stage—voices that reflect our time and expand the musical conversation.”

The Call welcomes submissions in all contemporary styles, with special encouragement for works engaging with themes of social justice, inclusion, or community. Submissions must be 8–40 minutes long and scored for 8–24 players drawn from LCO’s instrumentation (winds, brass, percussion, harp, keyboard, and strings). Multimedia and electronic elements are also permitted.

The deadline for submission is January 25, 2026. The Full Guidelines and Submission Portal can be found here: https://lowellchamberorchestra.org/2026-call-for-scores

By combining social purpose with artistic excellence, the Lowell Chamber Orchestra continues to redefine what a modern orchestra can be—one that serves both its community and the future of music. The Lowell Chamber Orchestra is Lowell’s first and only professional orchestra. They provide the area with an ensemble that presents music at a very high level, of all styles and time periods, entirely free to the general population.

Now in its seventh season, the LCO has presented concerts that encompass established orchestral repertoire as well as multimedia works, stage works, lecture-presentations, and chamber music. Lowell is a gateway community, rich in cultural diversity but economically challenged in many respects so access to high-quality arts is essential.

The interactive nature of the performances allows a personalized entryway to audiences who many not have enjoyed arts programming previously. There is a diverse international and diverse nature of the players as reflective of the Lowell community itself.

Learn more: https://lowellchamberorchestra.org/

MULTIMEDIA:

Live performance of Simon Andrews’ “Till Voices Wake Us,” winning score of the 2025 LCO Call-for-Scores.

VIDEO (YouTube): https://youtu.be/KNaQmrva6wk

MEDIA CONTACT:
Antonio Mak
EMAIL: admin@lowellchamberorchestra.org
PHONE: 617-319-5982

NEWS SOURCE: Lowell Chamber Orchestra


This press release was issued on behalf of the news source (Lowell Chamber Orchestra), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/lowell-chamber-orchestra-announces-2026-international-call-for-scores-supporting-emerging-composers-through-art-and-access/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130479 NOREL-3B

 

Click n’ Close offers free USDA lock extensions, accepts new locks during government shutdown

ADDISON, Texas, Oct. 27, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close, a multi-state mortgage lender, today announced a two-part initiative to support lenders during the federal government shutdown: free lock extensions for USDA loans already in its wholesale pipeline and acceptance of new USDA locks, which will be eligible for the same free extensions through Dec. 31, 2025. The program is designed to help lenders manage rate protection and keep loans moving toward closing while normal operations are paused.

Click n' Close, Inc.
Image caption: Click n’ Close, Inc.

“Government shutdowns add uncertainty and delays that neither lenders nor borrowers can control,” said Jeff Bode, CEO of Click n’ Close. “By extending locks on loans already in process and accepting new locks with free extensions through year-end, we’re helping our partners preserve pricing and keep pipelines prepared for when agencies resume regular processing.”

Click n’ Close is one of the nation’s top USDA wholesale lenders, recognized by the U.S. Department of Agriculture as a Top Wholesale Lender Champion for two consecutive years. Through innovative programs like its SmartBuy™ proprietary down payment assistance (DPA) offering and its One-Time Close construction program, Click n’ Close has helped thousands of borrowers achieve affordable homeownership.

The company’s experienced USDA team remains available to help lenders navigate the current environment and identify solutions to keep loans moving forward. Lenders with loans requiring immediate closings are encouraged to contact their Account Executive to explore alternative fast-close options.

About Click n’ Close, Inc.

Click n’ Close, Inc. is a multi-state mortgage lender serving consumers and originators through its wholesale, correspondent and retail channels. The company is an industry leader in proprietary down payment assistance (DPA) programs and a recognized leader in One-Time Close construction lending across conventional, FHA, VA, USDA and Section 184 programs. Through its 1st Tribal Lending division—the nation’s largest originator and servicer of Section 184 home loans for Native Americans—Click n’ Close extends its commitment to expanding homeownership opportunities nationwide.

In operation since 1940, Click n’ Close has remained at the forefront of mortgage innovation, pioneering the adoption of eClosings and eNotes. Backed by a strong financial foundation, Click n’ Close has the balance sheet and warehouse capacity to support and scale its specialized loan programs, providing consistent access to capital and reliable execution for its partners. By maintaining direct relationships with Fannie Mae, Freddie Mac, Ginnie Mae and private investors and servicing its loan programs in-house, the company delivers dependable liquidity, loan salability and an enhanced borrower experience.

Learn more at https://www.clicknclose.com/.

NEWS SOURCE: Click n' Close Inc.


This press release was issued on behalf of the news source (Click n' Close Inc.), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/click-n-close-offers-free-usda-lock-extensions-accepts-new-locks-during-government-shutdown/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130464 NOREL-3B

 

HotDeals, a leading online coupon and discount platform, today announced the launch of its 2025 Holiday Shopping Campaign

SAN FRANCISCO, Calif., Oct. 23, 2025 (SEND2PRESS NEWSWIRE) — HotDeals, a leading online coupon and discount platform, today announced the launch of its 2025 Holiday Shopping Campaign, including dedicated festival pages, real-time coupon updates, and exclusive membership perks to help consumers save more during Halloween, Black Friday, and Cyber Monday.

Halloween Deals Page on HotDeals
Image caption: Halloween Deals Page on HotDeals.

As the festive shopping season approaches, savvy consumers are already gearing up to make the most of the biggest sales events of the year. From Halloween treats to Black Friday doorbusters and Cyber Monday digital steals, HotDeals is stepping up its game to help shoppers save smarter. With dedicated festival pages, real-time deal updates, and an enhanced membership system, HotDeals aims to make this holiday shopping season more rewarding than ever.

HALLOWEEN 2025: A SEASON OF SPOOKY SAVINGS

This year’s Halloween shopping season has already shown how eager consumers are to grab seasonal deals — and how powerful a well-organized discount hub can be. Through its dedicated Halloween festival page (https://www.hotdeals.com/festival/halloween), HotDeals offered a one-stop destination for everything spooky and sweet. From costume discounts to candy promotions and party decoration deals, shoppers were able to browse hundreds of verified discount codes and exclusive offers from their favorite merchants.

Halloween is traditionally known for its themed products — costumes, makeup, decorations, and party essentials. However, it has increasingly become a major online sales period, with many retailers launching early-bird promotions and flash sales.

HotDeals responded to this trend by:

  • Creating a dedicated landing page with Halloween-specific categories, making it easier to find relevant deals.
  • Updating deals in real time so shoppers could access fresh, verified promo codes without the frustration of expired offers.
  • Highlighting merchant updates, including free shipping policies, bonus points for loyalty members, and special seasonal bundles.
  • Leveraging its membership system to provide users with early access to selected deals and personalized offers.

This year’s Halloween campaign demonstrated HotDeals’ commitment to improving the holiday shopping experience. But while Halloween was just the beginning, the real shopping frenzy is yet to come: Black Friday and Cyber Monday.

BLACK FRIDAY & CYBER MONDAY: THE PEAK OF SEASONAL SAVINGS

As October draws to a close, all eyes turn to the biggest shopping days of the year — Black Friday and Cyber Monday. For many consumers, this period isn’t just about buying gifts; it’s about maximizing savings on everything from electronics to fashion, home goods to beauty products. HotDeals is preparing a robust, user-focused strategy to help every shopper make the most of these mega events.

1. DEDICATED FESTIVAL PAGES FOR BLACK FRIDAY & CYBER MONDAY

Just like the Halloween campaign, HotDeals will launch special festival pages for both Black Friday and Cyber Monday. These landing pages will be carefully curated to help users navigate thousands of deals easily.

They’ll feature:

  • Top trending categories like tech gadgets, fashion apparel, home & kitchen, and beauty essentials.
  • Editor’s Picks and Top Deals of the Day sections, highlighting the biggest discounts across major brands.
  • A clean, intuitive design that allows users to browse quickly without missing out on limited-time offers.

Whether shoppers are hunting for a new laptop, a pair of stylish boots, or early holiday gifts, these festival pages will serve as their ultimate savings guide.

2. REAL-TIME DISCOUNT CODE UPDATES

Black Friday and Cyber Monday are known for their fast-moving deals. Offers can appear — and disappear — within hours.

To keep up with this fast pace, HotDeals will provide:

  • Instant deal updates, ensuring that shoppers always have access to the latest, verified discount codes.
  • A “Hot Now” section that tracks the most popular, high-value deals in real time.
  • Deal verification systems to reduce the frustration of expired or misleading coupons.

This dynamic approach ensures that users spend less time searching and more time saving.

3. MERCHANT NEWS & SEASONAL PERKS

During Black Friday and Cyber Monday, many retailers go beyond standard discounts — offering perks like free shipping, buy-one-get-one deals, extended return policies, and loyalty program bonuses.

HotDeals is working closely with top merchants to:

  • Publish merchant announcements and promotions as soon as they’re live.
  • Highlight free shipping offers to help users save even more.
  • Showcase loyalty rewards and member-only perks that shoppers might otherwise overlook.

By integrating these insights directly into the festival pages, HotDeals empowers users to plan their purchases strategically.

4. HOTDEALS MEMBERSHIP: UNLOCK EXCLUSIVE REWARDS

One of the most exciting developments this year is the new HotDeals membership system. While it has already enhanced the Halloween campaign with early-bird alerts and exclusive offers, it will play an even bigger role in Black Friday and Cyber Monday.

Membership benefits include:

  • Early access to selected high-demand deals.
  • Exclusive coupons not available to the general public.
  • Personalized recommendations based on shopping interests.
  • Bonus rewards during the holiday period.

For loyal HotDeals users, this means more opportunities to save and less risk of missing out on the best offers of the season.

WHAT MAKES HOTDEALS DIFFERENT THIS HOLIDAY SEASON

In a crowded coupon and deal space, HotDeals stands out through its user-centric approach. Instead of overwhelming shoppers with endless coupon lists, the platform focuses on curation, real-time updates, and verified discounts. The goal is simple: help every shopper save money while enjoying a smooth, trustworthy shopping experience.

Here’s what sets HotDeals apart this holiday season:

  • Festival landing pages for major events like Halloween, Black Friday, and Cyber Monday.
  • Real-time, verified coupon updates to minimize frustration.
  • Merchant insights to give shoppers the full picture of seasonal benefits.
  • A membership system that rewards loyalty with exclusive perks.
  • Mark Your Calendar & Get Ready to Save
  • Halloween Savings: Ongoing now, featuring themed deals and exclusive promo codes.
  • Black Friday 2025: Friday, November 28 — a day of record-breaking deals and early holiday gift shopping.
  • Cyber Monday 2025: Monday, December 1 — perfect for tech lovers and online shoppers.

Whether you’re planning to decorate your home for Halloween, grab unbeatable Black Friday deals, or upgrade your tech on Cyber Monday, HotDeals will be your ultimate savings partner throughout the season.

Visit HotDeals.com and explore the festival pages to unlock exclusive discounts, real-time promo codes, and insider merchant offers.

ABOUT HOTDEALS

HotDeals is a trusted online platform that aggregates promo codes, coupons, and special offers from tens of thousands of global retailers. With a focus on reliability and convenience, HotDeals helps consumers shop smarter and save more on the products and brands they love. To explore the latest discounts and verified coupon codes, visit https://www.hotdeals.com/

MULTIMEDIA:

Image link for media: https://www.Send2Press.com/300dpi/25-1023-s2p-hotdeals-300dpi.webp

Image caption: Halloween Deals Page on HotDeals.

NEWS SOURCE: HotDeals


This press release was issued on behalf of the news source (HotDeals), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/hotdeals-a-leading-online-coupon-and-discount-platform-today-announced-the-launch-of-its-2025-holiday-shopping-campaign/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130431 NOREL-3B

 

The Pantheory Research Organization is announcing its latest scientific research and related scientific journal-published papers and related information

CERRITOS, Calif., Oct. 23, 2025 (SEND2PRESS NEWSWIRE) — The Pantheory Research Organization is announcing its latest scientific research and related scientific journal-published papers and related information. Our organization: The Pantheory Research Organization is the author of all the research papers to be discussed here.

Pantheory Research Organizaton: James Webb space telescope can look farther into the most distant universe
Image caption: Image Caption: The James Webb space telescope (JWST) can look farther into the most distant universe than any other visual telescope.

The link that explains this organization’s detail is here: https://www.send2press.com/wire/profile/pantheory-research-organization/

The listing of all of our papers over the last two decades is posted on the online Research discussion organization’s website called ResearchGate, shown in the link here: https://www.researchgate.net/profile/Forrest-Noble

The JWST was “functionally confirmed” and the first release of its deep-field photos was in July of 2022. Since that time its most distant observations have continuously contradicted Big Bang cosmology in nearly all of its predictions of deep-field observations. What they saw instead was almost the opposite of what they had predicted. On the other hand, our prior research predictions which were made before the James Webb’s first photos were released have been continuously confirmed by JWST observations based upon our alternative cosmology, the Pan Theory. This is extremely important because neither mainstream cosmology nor any other alternative cosmology has made this many predictions concerning the distant universe that have never been contradicted or required any ad hoc hypotheses.

https://www.researchgate.net/publication/370201870_Surprising_and_Unexpected_Discoveries_the_James_Webb_Space_Telescope_Will_Likely_Make_Based_Upon_Our_Research#fullTextFileContent

Since the paper above, we have written two new research papers. The first describes all of the generally well-known Problems and contradictions of mainstream cosmology, which also includes what we believe to be relatively simple answers to these mainstream recognized Big Bang (BB) problems based upon our alternative cosmology the Pan Theory.

Roughly a general conclusion of this first paper is that the past universe looks the same as the local universe because the past universe would be much older than mainstream cosmology could allow, a conclusion sometimes mentioned concerning possibilities concerning such “either or” discussions concerning how old-looking some distant galaxies appear to be.

WHAT IS THE PURPOSE OF THIS PRESS RELEASE?

That the past research paper shown above correctly predicted the future observations of the James Webb, almost completely contrary to mainstream predictions, should draw the reader’s great attention to the basis for these predictions which was the alternative cosmology, the Pan Theory, link below. It also describes our two newest research papers explained below. This combined research presents a much simpler alternative cosmology, one without dark matter, dark energy, without a cosmological constant, Inflation, the expansion of space, etc. The Pan Theory of cosmology has no ad hoc hypotheses within it and has never been contradicted since its conception and presentation more than five decades ago.

https://www.pantheory.org/

Although this cosmology leans somewhat toward a Steady-State like cosmology of a much older universe, the biggest mainstream problem with an older universe is that it contradicts the Hubble Distance formula. Regardless of the redshift and the Hubble constant being considered, the universe according to the Hubble distance formula has an age limit to it thought to be no greater than 16 billion years of age. Another major difference between the two theories is that The Pan theory also proposes that the observable universe as a whole is generally not evolving and that it has no infinities or continuums within it.

The Pan Theory also contradicts the most well-known steady state theories of Hoyle et. al. in that the observable universe: is not expanding, is much older than currently thought, but not infinite in age or size. It accordingly is limited in its quantity of matter, had a beginning to it, and space (without field) can be simply defined as the distance between matter and the volume that the Zero Point Field occupies, no more than this.

To explain away a number of the JWST problems, many mainstream scientists now believe that the universe could have evolved very quickly, “almost instantaneously” (in situ) which we believe is an even bigger stretch of theory because astronomers have a mountain of evidence to explain the minimum time it takes galaxies and supernovae to form and evolve. To explain it differently now would require that the laws of astronomy and physics were very different in the past, which would be another big cosmology problem that would require another big un-testable ad hoc hypothesis to mainstream cosmology.

These new problems, as well as all the other acknowledged Big Bang (BB) problems since the James Webb went up, are “explained-away” by generally simple answers to all of the BB problems based upon our alternative, much simpler cosmology, the Pan Theory.

https://www.researchgate.net/publication/370212804_Relatively_simple_answers_to_almost_all_the_Well-Known_and_Lesser-Known_Problems_of_Mainstream_Cosmology

However, based solely upon a much older universe, roughly one-fourth of the most distant galactic observations cannot simply be explained. In this case what would the contradictions to both mainstream cosmology and to steady state theories in general be?

What our second and most resent research paper offers are generally unknown theoretical physics equations which are based upon our alternative cosmology, The Pan Theory. We believe this paper explains away all the remaining cosmological problems discussed by a dilation process.

This paper is called “A Complete Scale Relativity Theory proposing a fractal character to the Universe which is not based upon the warping of spacetime or extra-dimensions.” As did our previous supernovae calculation paper, this new research also explains the non-existence of dark energy based upon an alternative distance equation that does not require a Hubble constant, a version of which was presented in our original paper now 12 years old.

This paper, link below, instead is based upon a little-known theory of relativity which we call the Pan Theory of Relativity, which itself is part of the Pan Theory.

https://www.researchgate.net/publication/387180207_A_Complete_Scale_Relativity_Theory_proposing_a_Fractal_character_of_the_Universe_not_based_upon_the_warping_of_spacetime_or_extra-_dimensions_It_is_the_Result_of_our_second_data-research_study_of_type#fullTextFileContent

This theory of relativity is much simpler than Einstein’s relativity theories. Although it does not replace either of them or change their equations, it renders both of them lees important concerning the overall picture of reality and of the universe.

Concerning relativity theory and the dilation of time (where the length of a second gets longer), Special Relativity refers to special cases where velocities approach the speed of light, and General Relativity refers to the small effects of gravity on the dilation of time. Instead this theory of relativity is assertively much more important in that respect. It states that time itself is not a continuum but dilates (the interval of a second of time gets longer) when looking backward in time through our telescopes such as the JWST, and that time also dilates (the second gets shorter) going forward in time. The extent that time dilates looking backward in time and matter and space get relatively larger, according to the alternative ‘Hubble distance formula,’ is simply a function of the observed redshift.

According to these collective equations, for instance, at a redshift of ‘1’ an interval of time (the second) was twice as long and matter was twice the size 10.48 billion years ago. Looking forward in time the rate that time would pass would be twice as fast and matter half its present size for that same period of time looking forward into the future. Although this time and matter dilation may seem very small and impossible to detect except at cosmic scales, in fact it would have huge consequences for cosmology. For instance looking backward in time at a redshift of nine (z=9), galactic sizes on average would appear to have been 10 times bigger (their relative mass) and the rate of time would have been 10 times slower, as well as the redshift of galactic light would have been 10 times longer (z+1). As to being a theory of relativity, in their own timeframes all galaxies etc. would appear the same to a potential observer there, as they do to us in our local timeframe.

We believe from this perspective and related cosmology, all of the JWST observations and contradictions can be more easily explained and understood. Below are links to some of the well-known problems that can be explained-away by this cosmology and this new, simpler theory of relativity. We believe the word “simpler“can be better understood by readers that can understand the equations in the link above.

https://www.livescience.com/space/cosmology/james-webb-telescope-confirms-huge-crisis-in-our-understanding-of-cosmic-expansion

https://www.advancedsciencenews.com/a-big-ring-in-the-sky-challenges-modern-cosmology/

(as well as many other links that explain the problems with mainstream cosmology today)

OUR OTHER VERY IMPORTANT AND SUCCESSFUL PAST PAPERS:

Theory of Everything 14:

https://www.researchgate.net/publication/353700439_Theory_of_Everything_14

Grand Unified Theory:

https://www.researchgate.net/publication/355132702_A_Grand_Unified_Theory

Simple but Exact Calculations of Spiral Galaxy Rotations, explaining away dark matter: A generally unrecognized force of equal importance to gravity (explaining away dark matter and Modified Newtonian Gravity), with exact predictions and statistical justification.

https://www.researchgate.net/publication/337757736_Simple_but_exact_calculations_of_spiral_galaxy_rotations_without_dark_matter_or_modified_gravity

Standard and Alternative Cosmology: Cosmology that Contradicts the Big Bang

A co-authored book with many interesting insights and equations.

https://www.researchgate.net/publication/337591972_Standard_and_Alternative_Cosmology

CONTACT INFORMATION:

Attn. Forrest Noble USA at pantheory.org@gmail.com, cell phone numbers (562) 331-8334, (562) 414-8299, and home (562) 924-3313. Please leave a message if necessary and we will get back to you as soon as possible concerning your comments, questions, inquiries, corrections, etc. – with best regards Forrest Noble

MULTIMEDIA:

IMAGE link for media: https://www.Send2Press.com/300dpi/23-0720-s2p-pantheory-300dpi.jpg

Image Caption: The James Webb space telescope (JWST) can look farther into the most distant universe than any other visual telescope.

NEWS SOURCE: Pantheory Research Organization


This press release was issued on behalf of the news source (Pantheory Research Organization), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/the-pantheory-research-organization-is-announcing-its-latest-scientific-research-and-related-scientific-journal-published-papers-and-related-information/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130422 NOREL-3B

 

CTV Media launches ENGAGE 4U, an AI-powered unified video platform, simplifying ad campaigns for maximum results through intelligent planning

COLUMBUS, Ohio, Oct. 22, 2025 (SEND2PRESS NEWSWIRE) — CTV Media today announced the launch of ENGAGE 4U, a groundbreaking unified video platform, powered by AI intelligence, designed to revolutionize the way marketers manage and execute linear TV and digital advertising campaigns. ENGAGE 4U eliminates the complexity of multi-platform campaign management, offering a single, intelligent solution to streamline workflows, maximize reach, and deliver risk-free campaign performance.

CTV Media - ENGAGE 4U
Image caption: CTV Media launches ENGAGE 4U.

In today’s fragmented media landscape, marketers face a constant battle of switching between disparate tools, reconciling data, and struggling to achieve a holistic view of campaign performance. ENGAGE 4U is engineered to be the sole command center for modern marketers, bringing all campaign elements under one roof.

“The advertising world is demanding unification, and we are delivering it with ENGAGE 4U,” said Chris Locke, SVP Sales & Operations. “We’ve built a platform that not only integrates linear TV and digital advertising but uses artificial intelligence and cross-screen data to make them smarter together. This is about giving marketers back their time to focus on strategy and growth, confident that their budgets are working harder than ever.”

KEY FEATURES OF THE ENGAGE 4U PLATFORM:

  • Intelligent Planning and Optimization: At the heart of ENGAGE 4U is its ability to use cross-screen data to maximize reach and cap frequency across all channels. This unified approach ensures that every dollar is spent efficiently, preventing ad fatigue and delivering optimal performance based on real-time insights.
  • Linear TV: Unprecedented Scale and Precision: Leveraging automated planning, ENGAGE 4U offers marketers access to an unprecedented reach of up to 128 million households. The platform provides flexible targeting with unlimited geography, allowing campaigns to scale from broad national reach down to specific regional, DMA markets or zip codes ensuring targeting scale.
  • Digital: Smarter, Risk-Free Campaigns: The digital component of ENGAGE 4U is built on intelligence and flexibility:
    • Smarter Retargeting: Utilizes advanced ACR (Automatic Content Recognition) data to retarget unique viewers, ensuring effective audience expansion.
    • Flexible Premium CTV/OTT: Enables seamless planning across top-tier platforms including Hulu, Peacock, and YouTube TV, tapping into premium content environments.
    • Risk-Free CPA Model: Campaigns are virtually risk-free with a Cost Per Acquisition (CPA) model, ensuring marketers only pay for actualized KPIs.
  • A Single Dashboard for Complete Control: The platform allows marketers to manage all campaign elements—proposals, pacing, and invoicing—from one central dashboard. Soon the ability to build ads and pixels will be available within the platform.

ENGAGE 4U is poised to transform the industry by delivering the simplicity, intelligence, and unified control that modern marketers require. The platform launched on October 16, 2025.

For more information: https://www.ctvmedia.com/engage4u

About CTV Media:

CTV Media is a premier advertising partner specializing in Over-the-Top (OTT), Connected TV (CTV), and traditional TV advertising. With over four decades of experience, our mission is to move brands upward. In the Ad Tech space, we leverage advanced analytics, including access to over 60,000 audience segments and cross-screen precision, alongside innovative tools like CTV.AI, to pioneer strategic, outcome-based, and fraud-free campaigns in the evolving media landscape. Learn more at: https://www.ctvmedia.com/.

Contact: Chris Locke, SVP Sales & Operations, clocke@ctvmedia.com 614.848.5800

NEWS SOURCE: CTV Media


This press release was issued on behalf of the news source (CTV Media), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/ctv-media-launches-engage-4u-an-ai-powered-unified-video-platform-simplifying-ad-campaigns-for-maximum-results-through-intelligent-planning/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130417 NOREL-3B

 

TRUEENERGY Socks Expands Its Performance Platform with Premium Merino Wool Powered by Dual-Action Tru-X Technology

Dual-Action Tru-X Technology combines targeted compression with the active power of infrared energy

HICKORY, N.C., Oct. 22, 2025 (SEND2PRESS NEWSWIRE) — Grandview Hosiery, LLC announced today that its TRUEENERGY® brand, the leader in performance sock innovation, has unveiled its Premium Merino Wool collection – an industry breakthrough that combines the natural intelligence of Merino Wool with advanced Tru-X Technology. Engineered to boost circulation, enhance endurance, and deliver lasting comfort, these socks set a new performance benchmark for athletes, outdoor adventurers, and high-energy movers everywhere.

TRUEENERGY Premium Merino Wool Quarter Sock
Photo Caption: TRUEENERGY® Premium Merino Wool Quarter Sock.

TRU-X TECHNOLOGY REDEFINES MERINO WOOL PERFORMANCE:

At the core of the new collection is TRUEENERGY’s proprietary Dual-Action Tru-X Technology, which combines targeted compression with the active power of infrared energy. Designed to promote circulation, reduce muscle fatigue, and enhance endurance, Tru-X delivers more comfort and energy with every step—now seamlessly woven into the natural performance of Merino Wool.

“Merino Wool is beloved for its comfort and adaptability in all conditions. With Tru-X Technology, we’ve taken it to the next level,” said Angela Drum, VP Product Marketing, TRUEENERGY®. “By uniting the natural benefits of Merino Wool with science-driven performance, we’ve created a product line unlike anything else in the outdoor segment. These socks don’t just keep you comfortable – they help you perform, endure, and excel.”

PREMIUM MERINO WOOL COLLECTION

The Premium Merino Wool Collection includes Men’s and Women’s Mid-Weight Hiker Crew ($23.99), Heavy-Weight Hiker Crew ($24.99), Mid-Weight Athletic Quarter ($20.99), and the new Heavy-Weight Boot Sock ($25.99) sized S/M – XXL. Each pair is crafted for durability, seamless comfort, temperature regulation, and odor control—gear built to thrive on the trail, at work, and anywhere movement matters.

Product Highlights:

  • Merino Wool + Dual-Action Tru-X Technology:
    Where nature meets innovation. The natural softness, breathability, and temperature control of Merino Wool combine with targeted compression and infrared energy to boost circulation, enhance endurance, and keep you moving in total comfort.
  • Proudly Made in the USA with Imported Yarn:
    Expertly knit in Hickory, North Carolina—home to over 75 years of sock-making craftsmanship—using world-class Merino Wool yarns for superior quality and performance.
  • Performance-Built Comfort:
    Every detail is engineered for the journey—reinforced heel and toe for durability, seamless toe for a smooth fit, and breathable mesh zones that keep you cool, dry and supported mile after mile.

PROUDLY MADE IN THE USA WITH IMPORTED YARN:

Every TRUEENERGY® Premium Merino Wool sock is proudly Made in the USA with imported yarn, knit in Hickory, North Carolina—where more than 75 years of craftsmanship meets modern innovation. This fusion of American manufacturing and global material sourcing delivers uncompromising quality and performance.

Availability:

The TRUEENERGY® Premium Merino Wool collection is available now on the brand’s website within the Outdoor & Work collection: https://trueenergysocks.com/collections/outdoor-work.

About TRUEENERGY Socks:

TRUEENERGY® Socks from Grandview Hosiery, LLC leads the way in performance innovation, creating socks with advanced technologies that push the boundaries of what gear can do. By fusing science with craftsmanship, we design products that enhance performance, extend endurance, and maximize comfort. TRUEENERGY® sets the pace for a new era in performance gear—delivering energy you can feel in every step.

For More Information:

Website: https://trueenergysocks.com/

Instagram: @trueenergysocks

Facebook: True Energy Socks

MEDIA CONTACT:
Angela Drum
TRUEENERGY® Socks
Marketing@trueenergysocks.com

MULTIMEDIA:

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Photo Caption: TRUEENERGY® Premium Merino Wool Quarter Sock.

NEWS SOURCE: Grandview Hosiery LLC


This press release was issued on behalf of the news source (Grandview Hosiery LLC), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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AboutFace-USA: Honoring Service, Growing Impact, and Looking Ahead

CUMMING, Ga., Oct. 21, 2025 (SEND2PRESS NEWSWIRE) — For more than 12 years, Joe LaBranche has been a driving force behind AboutFace-USA, a veteran-founded nonprofit dedicated to healing veterans, strengthening families, and uniting communities. Under his leadership, the organization has grown into a vital resource for Georgia’s veteran community, including the 2024 launch of AboutFace Farm, an aeroponic farm that grows fresh produce and nutrient rich microgreens to support whole health wellness and provide meaningful work for veterans.

AboutFace-USA Founder Joe LaBranche and Executive Director Carol LaBranche
Image caption: AboutFace-USA Founder Joe LaBranche and Executive Director Carol LaBranche.

This fall marks an important new chapter: Carol LaBranche, Joe’s wife and longtime partner in the mission, has taken the helm of AboutFace-USA as Executive Director. Carol brings a strong nonprofit business background, receiving her Master of Public Administration degree from the University of North Georgia. She is past president of the VFW Auxiliary Post 9143 and AboutFace-USA’s Veteran Resource and Community Center.

Her strength in understanding and empathizing with veterans and family members with mental and behavioral health concerns come from life lessons and self-educating on trauma-informed care practices. With Carol developing community involvement, as well as a veteran coalition for the area to focus on veteran suicide and homeless prevention, Joe remains deeply involved, focusing on expanding the reach of AboutFace Farm, growing produce that can now be ordered online and mentoring veterans who find purpose and connection working there.

Since opening the Veteran Resource & Community Center in 2023, AboutFace-USA has significantly expanded its reach and impact. The Center has welcomed thousands of veterans and their families, offering free VA benefits guidance, transportation to healthcare appointments, mental and behavioral health services, Veteran-led support groups, food security initiatives, and critical connections to life saving resources. Many veterans credit the Center with restoring their hope and sense of belonging, and in some cases, their very lives.

This progress was made possible through a $1.2 million grant awarded in 2023 by the Substance Abuse and Mental Health Services Administration (SAMHSA), a federal agency within the U.S. Department of Health and Human Services dedicated to improving the nation’s mental and behavioral health. Now, ongoing generosity from community partners, corporate sponsors, and individual donors keeps the doors open and services available.

“Our veterans have given us so much, and AboutFace-USA exists to give back in every way we can,” said Carol LaBranche, Executive Director. “We are focused on improving access to healthcare and raising mental health awareness, and, importantly, giving veterans hope. To sustain this work through the holidays and beyond, we are inviting mission aligned partners to join us. Your support today, changes a veteran’s tomorrow.”

As the organization looks to the future, the community is invited on November 11, 2025 to join its annual Veteran’s Day Celebration: Salute to Service, featuring a reception, keynote remarks from Georgia State Representative Todd Jones (District 25), and the live drawing of winners from the first annual Patriot Prizes Raffle. This tradition offers Georgians a meaningful way to honor veterans while ensuring that AboutFace-USA can continue delivering services that change lives.

Learn more at: https://aboutface-usa.org/

MEDIA CONTACT:
Carol LaBranche
Executive Director, AboutFace-USA
188 Tri County Plaza, Cumming, GA 30040
888-766-0222 | carol@aboutface-usa.org | aboutface-usa.org

NEWS SOURCE: AboutFace-USA


This press release was issued on behalf of the news source (AboutFace-USA), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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NextGen Assistive Technology Introduces LaunchPad: A Low-Risk Path for I/DD Providers to Explore Remote Support and Modernize Care

New 12-week program gives agencies the opportunity to evaluate and build new lines of service with expert guidance and without long-term commitment

COLUMBUS, Ohio, Oct. 22, 2025 (SENDPRESS NEWSWIRE) — NextGen Assistive Technology (NextGen AT) has introduced LaunchPad, a 12-week readiness and strategy program designed to help I/DD and home- and community-based service (HCBS) providers explore and establish remote support operations guided by experts, without long-term contracts or upfront risk.

NextGen AT
Image caption: NextGen Assistive Technology (NextGen AT).

As workforce shortages and rising costs continue to challenge the human services sector, LaunchPad offers a practical opportunity for providers to evaluate new service lines, strengthen sustainability, and prepare for modernization with the support of experienced subject matter experts.

“Providers want to innovate, but the complexity and cost of starting something new can feel like a barrier,” said Ken Smith, Chief Experience Officer at NextGen AT. “LaunchPad removes that barrier. It gives agencies the space to explore what’s possible supported by real experts and a proven framework without the pressure of a long-term commitment.”

A SMARTER START TO MODERNIZATION

LaunchPad combines consulting, operational design, and technology planning into a structured, 12-week engagement. Providers receive a comprehensive readiness package including organizational assessment, strategic roadmap, compliance and policy templates, communication tools, and a documented service model giving them everything needed to design, staff, and scale a sustainable remote support operation with confidence.

Once an agency is ready, NextGen AT provides the full-service solution including hardware, software, monitoring, escalation protocols, and compliance support so providers can transition seamlessly from planning to implementation and operate a profitable, person-centered remote support business line.

“Our goal is to make modernization approachable,” Smith added. “Whether an agency is just exploring remote supports or ready to scale, LaunchPad creates a pathway that’s both safe and strategic.”

NATIONWIDE MOMENTUM

NextGen AT is already working with providers from South Dakota to Maryland, helping agencies evaluate readiness, identify funding opportunities, and build person-centered remote support models that reduce workforce strain while enhancing independence for individuals.

As demand for technology-enabled care continues to grow, LaunchPad offers providers the chance to step confidently into the future, with a trusted partner and a clear plan.

ABOUT NEXTGEN ASSISTIVE TECHNOLOGY

NextGen Assistive Technology (NextGen AT) helps I/DD and HCBS providers modernize care delivery through a consultative, readiness-first approach and full-service remote support solutions. The company’s LaunchPad Program provides agencies with a proven, low-risk framework for exploring and building sustainable, compliant, and person-centered technology-enabled care models followed by complete delivery of hardware, software, and operational support.

Learn more at https://www.nextgenat.com/

NEWS SOURCE: NextGen AT


This press release was issued on behalf of the news source (NextGen AT), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/nextgen-assistive-technology-introduces-launchpad-a-low-risk-path-for-i-dd-providers-to-explore-remote-support-and-modernize-care/

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California’s Ferret Ban: Inherited in 1933 – Never Determined

Newly Released Records Show No Evidence-Based Decision Ever Made

SAN DIEGO, Calif., Oct. 21, 2025 (SEND2PRESS NEWSWIRE) — After nearly eight months of waiting for public records, Legalize Ferrets (LegalizeFerrets.org) has obtained internal California Fish and Game Commission documents confirming that California’s ban on domestic ferrets was never based on scientific or administrative findings.

California's Ferret Ban: Inherited in 1933 - Never Determined
Image caption: California’s Ferret Ban: Inherited in 1933 – Never Determined.

The newly released materials trace the prohibition back to 1933, when the Commission simply declared that it “absolutely prohibits importation of ferret and fitch.” No hearing, no environmental study, and no determination of domestication ever took place.

“Ferrets are banned because they are not ‘normally domesticated in this state,’ and they are not ‘normally domesticated in this state’ because they are banned,” said Pat Wright of LegalizeFerrets.org. “It’s circular logic that has gone unchallenged for ninety years.”

A TIMELINE OF BUREAUCRATIC INHERITANCE

  • 1933: Rules and Regulations Governing the Importation of Wild Birds and Animals — Commission “absolutely prohibits importation of ferret and fitch.”
  • 1975: Fish & Game Code §2116 amended to add “not normally domesticated,” and ferrets were automatically labeled as such — again with no hearing or evidence.
  • Today: The current ban remains a direct descendant of those early rules, never revisited through modern, evidence-based review.

“These documents prove the ban was inherited, not determined,” Wright said. “There was never a factual finding that ferrets are wild animals — just 1930s boilerplate carried forward.”

LEGALIZATION EFFORT GAINS TRACTION UNDER THE ADMINISTRATIVE PROCEDURES ACT

The campaign for ferret legalization gained new traction this year after LegalizeFerrets.org formally invoked California’s Administrative Procedures Act (APA).

Under the APA, state agencies must base decisions on scientific evidence, follow transparent procedures, and allow public comment before adopting or maintaining a regulation.

“This law finally puts the issue where it belongs — in the light of science and public participation,” Wright explained. “For the first time, the Commission is being required to justify its classification of domestic ferrets under modern standards.”

PETITION 2025-003 MOVES FORWARD

On June 11, 2025, the California Fish and Game Commission voted unanimously to accept Petition 2025-003 for further consideration. The petition seeks to remove domestic ferrets (Mustela putorius furo) from the prohibited species list — the first formal step toward a scientific, evidence-based review.

“The issue is simple,” Wright said. “Are domestic ferrets domestic animals? If so, the Fish and Game Commission has no jurisdiction. That’s the question the state has avoided answering for nine decades.”

CALL FOR EXPERTS AND PUBLIC SUPPORT

LegalizeFerrets.org is now seeking expert witnesses in animal domestication, wildlife biology, and administrative law to assist as the case proceeds.
Supporters are also urged to add their name to the public petition at:
https://docs.google.com/forms/d/e/1FAIpQLSfYOnd3GDwgbsZoZYlja6p8GHJlOg71x2v_8v1m4BXf2I-BHQ/viewform?usp=header

MEDIA CONTACT:
Pat Wright
LegalizeFerrets.org
CLIFFNotes@legalizeferrets.org
(619) 757-7426
https://www.LegalizeFerrets.org

MULTIMEDIA:
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NEWS SOURCE: Legalize Ferrets


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Is Sora’s Hype Real? Here’s How You Can Join the AI Video Revolution Now

Novi AI from iMyFone now offers immediate, open access to the next phase of AI video storytelling

NEW YORK and SHENZHEN, China, Oct. 21, 2025 (SEND2PRESS NEWSWIRE) — In the fast-moving world of generative AI, few releases have captured as much attention as Sora 2, OpenAI’s next-generation video-creation model. But while anticipation continues to rise, many creators are asking a practical question: how can we actually use this technology today? For those eager to explore the creative potential of AI-driven video production, Novi AI from iMyFone now offers immediate, open access to the next phase of AI video storytelling.

Free AI Video Generator – Novi AI
Image caption: Free AI Video Generator – Novi AI.

WHAT IS SORA?

Sora (and its upgraded version Sora 2) represents a major leap in AI-video creation. According to OpenAI, Sora 2 is “our latest video generation model … more physically accurate, realistic, and more controllable than prior systems.”

Its standout features include:

  • Text-to-video generation — transforming natural-language prompts into full video sequences.
  • Image (or “cameo”) integration — allowing users to insert characters or objects directly into generated scenes.
  • Cinematic realism and control — support for synchronized dialogue, multi-shot composition, and dynamic camera motion.

These innovations have made Sora 2 a centerpiece of conversation among creators, marketers, and tech analysts who see it as the next frontier in AI-powered storytelling.

THE CREATOR’S REALITY: THE GAP BETWEEN HYPE AND HANDS-ON

While Sora 2’s technological promise is undeniable, creators continue to face several challenges:

  • Limited Access: Sora 2 remains in a staged rollout via research preview or invite-only programs
  • Feature Adjustments: Following recent misuse cases during its research phase, OpenAI temporarily restricted certain generation capabilities, underscoring the challenges of responsible deployment.
  • Unclear Commercial Path: Pricing, licensing, and monetization details remain uncertain.
  • Experimental UX: Early testers note that while output quality impresses, workflow refinement is still evolving.

The result is a familiar gap — breakthrough innovation that remains largely out of reach for everyday content producers.

MEET NOVI AI: YOUR INSTANT ACCESS TO THE AI VIDEO REVOLUTION

As the industry awaits wider Sora 2 access, Novi AI provides a bridge for creators ready to experiment now. The platform delivers professional-grade story-to-video, image-to-video, and text-to-video generation directly FROM THE BROWSER — NO APPROVALS, NO QUEUES.

As an AI video generator and storytelling platform, Novi AI allows users to turn concepts into cinematic-quality videos within minutes.

Why Novi AI stands out:

  • Flexible creation modes: story-to-video, image-to-video, and text-to-video — offering creative freedom across content types.
  • Multiple model options: Within its text-to-video tool, users can select from six models — including a “Sora2 model” — balancing speed, style, and realism.
  • Creator-friendly access: Built for marketers, storytellers, and agencies seeking fast, scalable video production.
  • Commercial readiness: Optimized for short-form social content, brand storytelling, and educational use cases.

“Novi AI empowers creators with instant access to cutting-edge AI-video technology that’s often locked behind research walls,” said a Novi AI spokesperson. “We believe creativity shouldn’t wait for a beta invite.”

CONCLUSION

The buzz around Sora 2 is well-deserved — it signals the next leap in AI video generation. Yet for most creators, the technology remains on the horizon. Novi AI brings that horizon closer, translating advanced models into an accessible platform that anyone can use today.

The AI-video revolution is not just coming — it’s already here, reshaping how stories are imagined and shared. Novi AI makes it possible to start shaping that future now.

ABOUT NOVI AI

Novi AI is an advanced AI-video creation platform designed for marketers, educators, and content creators. The platform supports story-to-video, image-to-video, and text-to-video generation with multiple model selections, including the Sora2 model. Novi AI aims to make generative video production faster, simpler, and more accessible to everyone.

Try Novi AI Online: https://www.imyfone.com/text-to-video/online.

NEWS SOURCE: iMyFone


This press release was issued on behalf of the news source (iMyFone), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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Down Payment Resource Reports a New Record of 2,624 Homebuyer Assistance Programs Nationwide in Q3 2025

Even as affordability pressures persist, program growth is giving lenders new tools to qualify more buyers and help more households achieve homeownership

ATLANTA, Ga., Oct. 21, 2025 (SEND2PRESS NEWSWIRE) — Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, today released its Q3 2025 Homeownership Program Index (HPI) report. The report identifies 70 new programs launched in Q3, bringing the total number of available programs nationwide to a record 2,624. Additionally, 20 new program providers were added to DPR’s database in Q3, bringing its provider total to 1,360.

Down Payment Resource Reports a New Record of 2,624 Homebuyer Assistance Programs Nationwide in Q3 2025
Image caption: Down Payment Resource Reports a New Record of 2,624 Homebuyer Assistance Programs Nationwide in Q3 2025.

Down payment assistance (DPA) can be used by lenders to lower a homebuyer’s loan-to-value (LTV) ratio by an average of 6%, helping them qualify more of their mortgage-ready buyers. In addition to down payments, many DPA programs can help with closing costs, prepaid expenses, buying down the mortgage interest rate and lessening mortgage insurance expenses. In some cases, buyers can combine multiple programs for even greater savings.

This assistance is vital as the median home price in the U.S. increased to $375,000 in Q3 2025, from $369,000 in Q2. Homebuyers finally got a break in Q3: mortgage rates eased, with the average 30-year fixed rate dipping from 6.75% in mid-July to 6.26% by mid-September.

“With home prices continuing to rise and mortgage rates still hovering near 6.5%, lenders know how challenging it can be to qualify today’s homebuyers. The good news is that there are now more tools than ever to help,” said Rob Chrane, founder and CEO of DPR. “In Q3 alone, 70 new homebuyer assistance programs were introduced. These resources — available in every U.S. county, with more than 2,000 counties offering 10 or more programs — are helping lenders reduce LTV ratios to qualify more mortgage-ready buyers and close more loans, even in a tight market.”

KEY Q3 2025 HPI REPORT FINDINGS:

An examination of the existing 2,624 homebuyer assistance programs on October 1, 2025, resulted in the following key findings:

  • 70 homebuyer assistance programs were added in Q3 2025, a 3% increase from Q2 2025. 996 programs (38%) are available to repeat buyers and 1,628 (62%) support first-time homebuyers. It’s also essential to note that military homebuyers can often qualify for first-time buyer programs, even if they have previously purchased a residence. 273 programs (10%) do not have income restrictions, increasing the number of buyers who might qualify for assistance. 32 programs support first-generation homebuyers, representing a 3% increase over the last quarter.
  • Of the total programs, 2,110 (80%) can be used to purchase new construction homes. These programs typically help cover a portion of the buyer’s down payment and/or closing costs, similar to assistance for resale properties.
  • The number of programs supporting manufactured housing grew 5%, from 1,006 in Q2 2025 to 1,052 in Q3 2025. Recent estimates suggest that manufactured homes remain significantly less expensive per square foot than site-built homes. According to the Manufactured Housing Institute, new manufactured homes average approximately $85 per square foot, compared to $164 per square foot for traditional site-built homes.
  • 909 programs support the purchase of multi-family housing, a 6% increase from the previous quarter. Of these, a growing number of programs support purchasing three-unit homes (606) and four-unit homes (578). Investing in multifamily properties can generate cash flow and offer buyers tax advantages.
  • The majority of programs, 1,464 (56%), are second-mortgage programs, up 1% from Q2. 272 (10%) are combined assistance programs, which typically blend a first mortgage (usually below market rate) and down payment assistance in the form of a second mortgage, a grant, or a combination of the two. 246 programs (9%) were first-mortgage programs.
  • 53% of DPAs (1,024 programs) offer partial or full forgiveness over time — a 3% increase from the previous quarter — provided the homeowner meets specific requirements, such as maintaining the property as their primary residence.
  • 1,023 programs (39%) were offered through municipalities or local program providers, a 1% increase over the previous quarter. 564 programs are sponsored by nonprofits, a 3% quarterly increase. State housing authorities (HFAs) accounted for 18% of programs (477), 3% higher than the previous quarter.
  • 203 programs offer special incentives based on the buyer’s occupation or other characteristics. Of these, 71 (35%) support educators — up 4% from the previous quarter — 52 (26%) assist Native American homebuyers, 50 (25%) serve protectors and police, 49 (24%) are available to military Veterans (up 9% from Q2), and 38 (19%) support active-duty military (also up 9% from Q2).
  • There are programs in all 50 states; 348 in California alone, followed by Florida (198) and Texas (126). 125 of the programs being tracked by DPR are considered “multi-state programs.”

A more detailed analysis of the Q3 2025 HPI findings, including infographics and examples of the programs described in this release, can be found on DPR’s website at: https://downpaymentresource.com/professional-resource/down-payment-assistance-hits-record-high-in-q3-2025-with-2624-programs-and-counting/

For a complete list of homebuyer assistance programs by state, visit: https://downpaymentresource.com/wp-content/uploads/2025/10/HPI-state-by-state-data.Q32025.pdf.

Members of the media are encouraged to contact DPR for data specific to their reporting needs.

METHODOLOGY:

Published quarterly, DPR’s HPI surveys the funding status, eligibility rules and benefits of U.S. homebuyer assistance programs administered by state and local housing finance agencies, municipalities, nonprofits and other housing organizations. DPR communicates with over 1,300 program providers throughout the year to track and update the country’s wide range of homeownership programs, including down payment and closing cost programs, Mortgage Credit Certificates (MCCs) and affordable first mortgages, in the DOWN PAYMENT RESOURCE® database.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,600 programs and toolsets for mortgage lenders, multiple listing services (MLSs) and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by seven of the top 25 mortgage lenders, the three largest real estate listing websites and 600,000 real estate agents. For more information, visit https://downpaymentresource.com/.

X: @DwnPmtResource #downpaymentassistance #affordabilitycrisis #housingaffordability #mortgage #housingequity #downpayment

NEWS SOURCE: Down Payment Resource


This press release was issued on behalf of the news source (Down Payment Resource), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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Kaushal Shah named 2025 NewsLink Tech All-Star by the Mortgage Bankers Association

Class Valuation CTO recognized for transforming the appraisal process through AI, data science and a focus on customer outcomes

TROY, Mich., Oct. 21, 2025 (SEND2PRESS NEWSWIRE) — Class Valuation, a leading real estate appraisal management company (AMC), announced today that Kaushal Shah, its chief technology officer, has been named a 2025 NewsLink Tech All-Star by the Mortgage Bankers Association, the national association representing the real estate finance industry. The MBA’s NewsLink Tech All-Star awards recognize a few individuals each year who are making measurable and meaningful contributions to the mortgage industry.

Kaushal Shah named 2025 NewsLink Tech All-Star by the Mortgage Bankers Association
Image caption: Kaushal Shah named 2025 NewsLink Tech All-Star by the Mortgage Bankers Association.

Shah has over 25 years of experience leading IT and marketing organizations, with a track record of building highly skilled and passionate teams and leveraging data to drive purposeful innovation. Shah has made Class Valuation one of the industry’s most advanced adopters of emerging technology by deploying AI in live production environments, not in limited pilots. He led the development of SmartSuite, a suite of AI-powered tools that streamline appraisal assignment, processing and review, and SmartAssign engine, which uses real-time data to match appraisers with assignments, reducing time-to-field at one of the most critical stages of the mortgage process.

These advances result in fewer appraisal-related defects, stronger lender balance sheets, and improved borrower satisfaction. The results are tangible. Appraisal quality issues have dropped by more than 30%, directly reducing costly revision cycles and shortening underwriting times. Importantly, these innovations scale. Under his leadership, Class Valuation has integrated over 15 acquisitions in just two years, seamlessly uniting systems without slowing innovation. His technology architecture absorbed these companies and extended advanced tools across the enterprise, preserving momentum while delivering immediate efficiency gains.

Shah’s work also influences the broader industry. Lenders adopting SmartSuite-enabled workflows report fewer conditions, reduced repurchase requests tied to appraisal defects and meaningful reductions in cycle times. In direct comparisons, Class Valuation has outperformed competitors in 80% of U.S. counties while matching performance elsewhere, a testament to the durability of its approach.

Before joining Class Valuation, Shah led engineering and product teams in banking, telecom, securities and brokerage domains.

“The MBA NewsLink Tech All-Star Awards spotlight individuals whose innovations are truly reshaping the future of our industry,” said John Fraas, CEO of Class Valuation. “Kaushal’s vision, execution and focus on customer success have modernized how appraisals are delivered, making the process faster, more consistent and more transparent for lenders and borrowers. We’re very proud to see him recognized by the MBA, a very prestigious industry organization.”

About Class Valuation

Class Valuation is a leading nationwide appraisal management company (AMC) renowned for its commitment to fast turn times, exceptional quality and unparalleled client service. The company leverages a powerful combination of skilled professionals, innovative products, streamlined processes and advanced technology to empower lenders in fulfilling homeownership dreams. Consistently recognized by top mortgage lenders for its outstanding performance, Class Valuation has also earned accolades as a top workplace and received numerous industry awards. Founded in 2009, Class Valuation is headquartered in Troy, Michigan. For more information please visit https://www.classvaluation.com.

Tags: @ClassValuation #appraisal #valuation #lending @MBAMortgage #MBAAnnual25

NEWS SOURCE: Class Valuation


This press release was issued on behalf of the news source (Class Valuation), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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PNC Bank Expands Use of Automation from Dark Matter Technologies to Advance Mortgage and Home Equity Innovation

PNC Bank deepens partnership with Dark Matter Technologies to streamline loan operations, enhance decision-making and accelerate its transition to intelligent automation across lending channels

JACKSONVILLE, Fla., Oct. 21, 2025 (SEND2PRESS NEWSWIRE) — Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced that PNC Bank, part of the PNC Financial Services Group, Inc., will extend its use of Dark Matter’s cutting-edge mortgage solutions under a new contract to enhance PNC’s mortgage and home equity lending operations.

PNC Bank Expands Use of Automation from Dark Matter Technologies to Advance Mortgage and Home Equity Innovation
Image caption: PNC Bank Expands Use of Automation from Dark Matter Technologies.

Since 2010, PNC Bank has used the Empower® LOS platform from Dark Matter as its core loan origination system to streamline lending processes and improve operational efficiency. The Empower LOS relies on exception-based processing so its human experts can concentrate on higher-level decision-making.

Through extensive use of Dark Matter’s Exchange℠ Service Network and front-end solutions that provide digital lending and account opening solutions, PNC Bank is creating a more efficient, responsive lending environment. Under the new initiative, PNC Bank will expand its use of Dark Matter’s Orchestration Engine, the core workflow automation layer within the Empower LOS that enables intelligent, task-based processing and interoperability with its tools, to improve overall lending efficiency across mortgage and home equity operations.

“Our long-standing partnership with PNC Bank is a testament to our commitment to delivering innovative technological solutions that transform mortgage lending,” said Sean Dugan, CEO of Dark Matter. “By continuously evolving our Empower platform and suite of solutions, we’re helping clients like PNC Bank streamline operations, reduce complexity and create more efficient lending experiences.”

About PNC Bank:

PNC Bank, National Association, is a member of The PNC Financial Services Group, Inc. (NYSE: PNC). PNC is one of the largest diversified financial services institutions in the United States, organized around its customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management. For information about PNC, visit: https://www.pnc.com/.

About Dark Matter Technologies:

Operating with the nimble nature of a startup and the disciplined maturity of one of the industry’s leading providers, Dark Matter Technologies delivers powerful technology with unparalleled automation and relentless innovation to leading mortgage lenders, servicers and companies nationwide. For more information, visit https://dmatter.com/.

Twitter: @dmattertech #fintech #mortgage

Logo link for media: https://dmatter.com/wp-content/uploads/dark-matter-tech-logo.svg

NEWS SOURCE: Dark Matter Technologies


This press release was issued on behalf of the news source (Dark Matter Technologies), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/pnc-bank-expands-use-of-automation-from-dark-matter-technologies-to-advance-mortgage-and-home-equity-innovation/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130350 NOREL-3B

 

JOPDF Launches as a Game-Changing, Completely Free PDF Editor with No Registration, Ads, or Hidden Costs

CHENGDU, China, Oct. 20, 2025 (SEND2PRESS NEWSWIRE) — JOPDF is thrilled to announce the official launch of its revolutionary PDF editor, designed to transform how users interact with PDF documents. In an era where digital documentation is integral to work, education, and personal life, JOPDF delivers a 100% free, feature-rich, and user-friendly solution that eliminates barriers to PDF editing – no registration, no ads, and no hidden costs.

JOPDF Launches as a Game-Changing, Completely Free PDF Editor with No Registration, Ads, or Hidden Costs
Image caption: JOPDF Launches as a Game-Changing, Completely Free PDF Editor.

INTRODUCING JOPDF: REDEFINING PDF EDITING

PDFs are the gold standard for secure document sharing, but editing and managing them has often required costly subscriptions, limited trials, or cumbersome tools. JOPDF breaks this mold by offering a fully accessible PDF editor with no compromises. Users can view, edit, annotate, protect, and manage PDFs effortlessly, all at zero cost and without the need to create an account.

KEY FEATURES OF JOPDF

JOPDF empowers users with a robust suite of tools, including:

  • Seamless Viewing: Open and view PDFs in multiple modes for an enhanced experience.
  • Comprehensive Editing: Modify text, format content, add or edit images, and insert links with ease.
  • Annotations: Highlight, comment, draw, and annotate directly on PDFs.
  • Page Management: Insert, split, resize, or reverse PDF pages for complete control.
  • Security: Protect PDFs with open or permission passwords, or decrypt files for editing, copying, or printing.
  • Customizable Printing: Print PDFs with tailored settings for maximum flexibility.

TRULY FREE, NO STRINGS ATTACHED

Unlike other software that lures users with “free” claims only to impose feature restrictions, ads, or mandatory registrations, JOPDF software delivers on its promise. Every feature is fully accessible without cost, ensuring privacy and a hassle-free experience.

INTUITIVE AND COMPATIBLE

JOPDF’s sleek, user-friendly interface makes navigation effortless, streamlining PDF tasks for users of all levels. Available as a desktop application for all Windows systems, JOPDF ensures compatibility and accessibility at no charge.

A NEW STANDARD IN PDF EDITING

“JOPDF is designed to empower users with a free, open, and powerful tool to handle PDFs without limitations,” said Edward Zhang, the general manager at JOPDF. “We’re removing the barriers of costly subscriptions and intrusive ads, making PDF editing accessible to everyone.”

For more information about JOPDF and to download the free editor, visit https://www.jopdf.com/.

ABOUT JOPDF

JOPDF is a cutting-edge, completely free PDF editor dedicated to providing unrestricted access to powerful PDF tools. With no registration, ads, or hidden costs, JOPDF is redefining the standard for digital document management.

MEDIA CONTACT:
Public Relations
contact@jopdf.com
https://www.jopdf.com/

NEWS SOURCE: JOPDF


This press release was issued on behalf of the news source (JOPDF), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/jopdf-launches-as-a-game-changing-completely-free-pdf-editor-with-no-registration-ads-or-hidden-costs/

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What AI ‘Near Me’ Gets Wrong in Atlanta – And How Not to Overpay

Local SEO expert Christopher Williams shares a 60‑second checklist to verify AI "near me" results and avoid hidden fees

ATLANTA, Ga., Oct. 20, 2025 (SEND2PRESS NEWSWIRE) –– Elite Web Professionals today announced a free 60‑second checklist designed to help Atlanta residents verify AI‑generated “near me” service recommendations and avoid hidden fees. As AI‑powered search now surfaces plumbers, HVAC technicians and locksmiths before consumers even click a website, the company warns that these algorithms often suggest providers across town or with opaque pricing, outdated hours and “24/7” claims, so people need to double‑check before booking.

Christopher Williams, President of Elite Web Professionals, created the 60-second checklist to help consumers verify AI 'near me' results.
Image caption: Christopher Williams, President of Elite Web Professionals, created the 60-second checklist to help consumers verify AI ‘near me’ results.

HOW “NEAR ME” REALLY WORKS — AND WHY IT MISFIRES

AI search tools assemble answers from business listings, review snippets, websites and mapping APIs. That compilation is fast but lacks context: models may weigh proximity “as the crow flies” and ignore Atlanta’s traffic chokepoints, or they repeat stale hours and prices when a business doesn’t update its profile. Common misfires include service‑area mismatches, outdated hours, missing licensing or insurance, pricing ambiguity (trip fees, diagnostics, after‑hours premiums) and imposter or duplicate listings.

“These aren’t rare glitches — they’re everyday frustrations,” said Christopher Williams, president of Elite Web Professionals. “Generative AI isn’t malicious, but it’s mechanical. It can’t feel what five‑o’clock traffic on I‑75 or I‑285 does to a ‘near me’ promise.”

THE 60‑SECOND ATLANTA CHECKLIST

Before you call or click, do a one‑minute verify — no apps required:

  • Map + Traffic (10 sec): Drop a pin on your address in Google Maps or Waze. Is the provider truly in your service zone once traffic is considered?
  • Profile Freshness (10 sec): Check the company’s Google Business Profile for updated hours, service areas and current photos.
  • Reviews Reality Check (20 sec): Sort reviews by “Newest” and scan a few from nearby neighbourhoods. Look for details about fees, timeliness and scope of work.
  • License & Insurance (10 sec): For trades and regulated services, verify credentials via Georgia state boards or local portals.
  • Price Clarity (10 sec): Ask whether there’s a trip fee, diagnostic minimum or after‑hours premium, and request a written estimate.

“An AI answer is advice, not a booking,” Williams added. “Two quick checks — service zone and newest reviews — prevent most costly mistakes. AI should shorten research, not replace judgment.”

Atlanta skyline - representing the city where Elite Web Professionals helps local businesses master AI-powered search
Image caption: Atlanta skyline – representing the city where Elite Web Professionals helps local businesses master AI-powered search.

ATLANTA NUANCES THAT TRIP UP AUTOMATION

Neighborhood lines and commute patterns complicate “near me.” A contractor in Smyrna might be closer than one in East Atlanta at noon but not at 5 p.m. Coverage areas also change by job size: some teams cross the Perimeter for full installs but restrict emergency calls to a smaller footprint. AI rarely distinguishes those nuances unless owners spell them out.

FOR LOCAL BUSINESSES: KEEP AI ACCURATE

Williams urges owners to treat AI like an amplifier of whatever data they publish:

  • Keep your Google Business Profile current: update hours, service areas, photos and holiday hours.
  • Publish a clear Fees & Policies page explaining trip fees, diagnostics, after‑hours rates and warranties.
  • Use neighborhood‑specific imagery and captions (e.g., Buckhead, Midtown, West End, South Fulton) to boost relevance.
  • Encourage detailed, local reviews that mention the area, job type and outcome.
  • Regularly monitor AI answers and request corrections when snippets get details wrong.

“Responsible AI depends on responsible data,” said Williams. “Owners who keep information accurate earn trust — and better visibility.”

HOW THE CHECKLIST SAVES MONEY

Real‑world examples illustrate the value of the checklist:

  • HVAC after hours: A “24/7” claim hid a $185 emergency fee for a College Park homeowner; the price‑clarity question would have surfaced it.
  • Plumber across the Connector: A Smyrna address added an hour and cost a Kirkwood homeowner a flooded basement; a 10‑second map check would have avoided the mistake.
  • Locksmith surcharge: A “$29 service call” in Midtown ballooned to $189 with nighttime pricing; sorting reviews by “Newest” reveals the pattern.

CONSUMER TAKEAWAY

AI search is evolving fast, and Atlanta is a testing ground for hyper‑local results. A one‑minute verification turns “near me” suggestions into near and fair outcomes. Use the checklist to confirm location, credentials and fees before you book — and avoid the wrong drive, the wrong rate or the wrong company.

For a full analysis and downloadable checklist, visit https://www.advertisingbusiness.org/ai-search/

ABOUT ELITE WEB PROFESSIONALS

Elite Web Professionals is an Atlanta-based web design and SEO firm helping service businesses attract, convert and retain local customers. Founded by Christopher Williams, the agency pairs conversion‑focused design with search strategy to deliver measurable growth across Metro Atlanta. Williams advises on AI‑aware local marketing — from profile completeness and review strategy to hyper‑local content and ethical automation.

MEDIA CONTACT:
Christopher Williams, President
Elite Web Professionals
+1 (404) 477-4819
cwilliams@advertisingbusiness.org
https://www.advertisingbusiness.org/

NEWS SOURCE: Elite Web Professionals


This press release was issued on behalf of the news source (Elite Web Professionals), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/what-ai-near-me-gets-wrong-in-atlanta-and-how-not-to-overpay/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130302 NOREL-3B

 

LumeFlow AI Launches New Features to Enhance AI Video Creation – Sora 2 Accessible!

NEW YORK and HONG KONG, Oct. 17, 2025 (SEND2PRESS NEWSWIRE) — LumeFlow AI has officially released Version 1.1.0 on October 15, 2025, along with new model integration and new video-generating features, the latest update brings Sora 2 model integration and aims to make professional video creation more approachable, imaginative, and enjoyable for users.

LumeFlow AI Version 1.1.0 has launched with new model integration and new features.
Image caption: LumeFlow AI Version 1.1.0 has launched with new model integration and new features.

ADVANCED MODELS ACCESSIBLE: SORA 2 & VEO 3

In this latest update, LumeFlow AI significantly broadens its suite of high-performance AI video generation models by integrating both Open AI Sora 2.

While Sora 2 has previously been restricted to users and is only accessible via invitation in certain regions, LumeFlow AI breaks down these barriers by making it available to creators worldwide.

In addition to Sora 2, LumeFlow AI gives users access to a comprehensive lineup of premium AI video generation models, including VEO 3, Kling AI, Pixverse, and Vidu AI. By bringing these models together on a single platform, creators no longer need to juggle multiple tools or subscriptions.

AI VIDEO-TO-VIDEO GENERATION: THE NEXT STEP IN AI VIDEO GENERATING

LumeFlow AI V1.1.0 introduces the “Video-to-Video” feature for extended AI video generation.

What To Do with Video-to-Video?

  • Change Video Style: Effortlessly transform real-world footage into unique visual styles such as animation, 3D, painting, or cartoon aesthetics.
  • Extend Video Length: Seamlessly expand your video’s duration while maintaining consistent motion, lighting, and artistic direction.

This AI video-to-video generator is built for filmmakers, marketers, and digital creators who want to refresh or enhance their content without re-shooting or heavy editing—turning imagination directly into motion.

AI VIDEO EFFECTS: SECRET AI TOOL FOR VIRAL SHORT VIDEO CREATION

LumeFlow AI also launches AI Video Effects in this update, a feature that transforms photos into vivid, AI-powered videos with just one click.

The update includes access to popular viral effects like AI Hug, AI Kiss, and AI Dance, enabling users to craft attention-grabbing short videos perfect for TikTok, Instagram Reels, and YouTube Shorts.

These AI video effects make it possible for anyone—regardless of editing skills—to create expressive, funny, engaging content that resonates with audiences worldwide.

ABOUT LUMEFLOW AI

LumeFlow AI is an entertainment-focused AI video generation platform that turns simple prompts and static images into vivid, high-quality videos instantly. Built for creators, storytellers, and brands, LumeFlow AI makes it easy to produce viral clips, animated stories, or engaging product videos without any complex software or editing skills.

For anyone looking for a comprehensive AI video generation tool that combines power and simplicity, LumeFlow AI can be the perfect solution: https://www.lumeflow.ai/

NEWS SOURCE: LumeFlow AI


This press release was issued on behalf of the news source (LumeFlow AI), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/lumeflow-ai-launches-new-features-to-enhance-ai-video-creation-sora-2-accessible/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130282 NOREL-3B

 

FirstClose and Lateral Investment Management announce additional equity funding to support continued growth

AUSTIN, Texas, Oct. 17, 2025 (SEND2PRESS NEWSWIRE) — FirstClose™, Inc., a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, today announced the completion of an additional round of equity funding, which was led by existing investor Lateral Investment Management, based in San Mateo, California.

FirstClose logo
Image caption: FirstClose.

The latest round builds on Lateral’s initial 2022 investment and underscores continued investor confidence in FirstClose’s strategy, technology and leadership team. The funds will support ongoing product development and strategic initiatives as the company strengthens its position within the home equity and mortgage lending markets.

“Lateral has been a great partner and a critical factor in our company’s growth and success to date,” said Tedd Smith, chief executive officer of FirstClose. “This new round of funding reinforces our partnership and allows us to stay focused on delivering the technology lenders need to meet rising demand for home equity lending.”

Since Lateral’s initial investment in 2022, FirstClose has expanded its capabilities and market footprint. The company introduced a real-time debt consolidation feature to its FirstClose Equity platform, which early trials showed boosted conversion rates by more than 10%. It also deepened system integrations with leading platforms, such as Encompass® by ICE Mortgage Technology™, MeridianLink and Optimal Blue, and added new executives in key leadership roles, including chief revenue officer, vice president of marketing and vice president of client success.

“When we first invested in FirstClose, we saw the potential for the company to become the technology leader in home equity lending,” said Stuart Barden, Managing Director at Lateral Investment Management. “Since then, the team has consistently delivered, expanding its client base, deepening integrations and introducing innovations that streamline the lending process. We’re proud to continue supporting FirstClose as it builds on that foundation.”

About FirstClose

Headquartered in Austin, Texas, FirstClose, Inc. provides fintech solutions to HELOC and mortgage lenders nationwide. The company’s mission is to increase profitability and reduce cost for mortgage lenders. FirstClose makes this possible through offering systems and relationships that enable lenders to assist their borrowers more effectively, reduce closing costs and ultimately shorten closing times. For more information, visit https://www.firstclose.com/.

About Lateral Investment Management, LLC

Headquartered in San Mateo, California, Lateral is a growth-oriented private equity firm that invests in bootstrapped, founder-led technology and technology-enabled services businesses. The firm focuses on profitable, U.S. middle market companies with no prior institutional financing and makes $15 million to $75 million investments to accelerate their growth. By pursuing sub-sector focused proprietary deal origination, founder-aligned partnerships, and a systematic and proactive approach to value creation, Lateral helps to transform its portfolio companies into category leaders. For more information, visit: https://lateralim.com/.

NEWS SOURCE: FirstClose


This press release was issued on behalf of the news source (FirstClose), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/firstclose-and-lateral-investment-management-announce-additional-equity-funding-to-support-continued-growth/

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FICO Joins CapitalW Collective as Corporate Development Partner, Reinforcing Commitment to Industry Education and Innovation

SAN DIEGO, Calif., Oct. 17, 2025 (SEND2PRESS NEWSWIRE) — CapitalW Collective, a trailblazing non-profit dedicated to advancing women and their allies in mortgage capital markets, proudly announces FICO® (NYSE:FICO), as a Corporate Development Partner – CapitalW Collective’s highest support tier. The partnership reinforces a shared mission to educate, elevate, and empower current and future leaders within mortgage.

CapitalW Collective
Image caption: CapitalW Collective.

United for Knowledge and Advancement

As creator of the most powerful and predictive FICO® Score ever, FICO® Score 10T, the global analytics software leader has demonstrated an unwavering commitment to capital markets education.

“FICO believes that advancing mortgage capital markets requires not only cutting-edge analytics, but also strong, values-driven partnerships that elevate the entire industry,” said Julie May, vice president and general manager of B2B Scores at FICO. “This partnership is especially meaningful to me, as I’m deeply passionate about helping women thrive and lead in financial services. We look forward to working closely with CapitalW Collective to inspire and support the next generation of leaders in mortgage finance.”

CapitalW Collective is excited to tap into FICO’s expertise and established network.

“The FICO Mortgage and Capital Markets team is already jumping in, sharing their experience across different sectors and extensive capital markets knowledge,” said Leslie Winick, CapitalW Co-Founder and Board Member. “Additionally, FICO has built trusted relationships with colleges and universities and operates a successful summer internship program. We share the goal of exposing younger generations to a rewarding career in mortgage, including capital markets,” added Winick.

About CapitalW Collective

CapitalW Collective is a tax-exempt, 501(c)(3) non-profit comprised of female mortgage capital markets professionals and their allies that fosters an environment of learning, growth, recognition, and achievement. The organization is dedicated to supporting mortgage professionals through a range of programs designed to enhance content expertise and leadership skills, as well as provide networking opportunities.

For more information, visit https://capitalwcollective.org/.

About FICO :

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at https://www.fico.com/en.

Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/

For FICO news and media resources, visit https://www.fico.com/en/newsroom.

FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.

NEWS SOURCE: CapitalW Collective


This press release was issued on behalf of the news source (CapitalW Collective), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/fico-joins-capitalw-collective-as-corporate-development-partner-reinforcing-commitment-to-industry-education-and-innovation/

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Luvme Hair Highlights Protective and Stylish Wig Options for Fall

NEW YORK, N.Y., Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — Luvme Hair, a trusted leader in premium human hair lace wigs and extensions, has introduced a stunning new collection of long hair wigs for women, designed to enhance both style and confidence. This fall season, the collection combines the elegance of human hair extensions with effortless versatility, offering protective options that cater to various hair needs. With a focus on quality and innovation, Luvme Hair continues to empower individuals to express their unique beauty with ease.

Luvme Hair Highlights Protective and Stylish Wig Options for Fall
Image caption: Luvme Hair Highlights Protective and Stylish Wig Options for Fall.

FEEL LIKE FALL – Your Autumn Hair Refresh

From October 13 to October 31, Luvme Hair is bringing you the perfect chance to refresh your look this fall. Enjoy incredible savings with these exclusive discounts:

  • New Customer Special: Get 30% off with code SNU30.
  • For Everyone: Enjoy 26% off with code SMC26.
  • Big Savings: Save $90 on orders over $369 with code BOOM90.

Don’t miss this opportunity to elevate your style with premium wigs and extensions. Shop now and feel the beauty of fall!

LUVME HAIR HIGHLIGHTS – PROTECTIVE AND STYLISH WIG OPTIONS FOR FALL

As the fall season approaches, Luvme Hair is proud to present an extensive collection of stylish and protective wigs designed to elevate your seasonal look. Whether you’re embracing bold, eye-catching colors, natural textures, or versatile styles that can adapt to any occasion, our wig collection ensures there’s something for everyone, no matter your preference or lifestyle.

AUTUMN STYLE RECOMMENDATIONS

  • Curly Wigs: Perfect for adding volume and texture, the kinky curly half wig is an excellent choice for achieving a natural yet chic fall look. This style effortlessly enhances your appearance while maintaining a comfortable fit for all-day wear.
  • Bob Wigs: A timeless classic, bob wigs are a go-to option for their elegance and versatility. They can seamlessly transition from casual daytime looks to more formal evening styles, making them a must-have for the season.
  • Layered Cut Wigs: For those looking to add depth and movement to their hairstyle, layered wigs are the ideal choice. These styles bring a touch of sophistication and modernity to your autumn wardrobe, ensuring you stand out effortlessly.

FALL-INSPIRED WIG COLORS

  • Blonde Wigs: Brighten up your seasonal wardrobe with blonde lace front wigs. These wigs are crafted to provide a seamless, radiant finish that complements a variety of skin tones, making them a popular choice for those seeking a fresh, luminous look.
  • Grey Wigs: For a bold and trendy statement, grey wigs are the perfect option. Their cool, sophisticated tones are ideal for creating a chic autumn aesthetic that’s both modern and eye-catching.
  • Ginger Wigs: Embrace the warmth of the season with curly ginger wigs. Their vibrant hues mirror the rich, earthy colors of fall, making them a standout choice for those who love to align their style with nature’s palette.

“Luvme Hair is excited to feature its fall collection of protective and stylish wigs, designed to help customers embrace seasonal trends while maintaining hair health. From glueless options to versatile styles, our wigs cater to diverse needs and ensure effortless transformations. This fall, we aim to empower individuals to express their unique style with confidence and ease,” said Helena Lee, founder of Luvme Hair.

ABOUT LUVME HAIR

Luvme Hair is a reputable brand in the hair wigs industry, known for its long curly wigs, short grey wigs, #26 honey blonde wig and 20 inch glueless wig that allow individuals to effortlessly switch up their looks. With a focus on innovation, creativity, quality, and customer satisfaction, Luvme Hair has garnered a loyal customer base globally, with over 2 million satisfied customers.

For more information about luvme human hair wigs, please visit their official website https://shop.luvmehair.com/

NEWS SOURCE: Luvme Hair


This press release was issued on behalf of the news source (Luvme Hair), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/luvme-hair-highlights-protective-and-stylish-wig-options-for-fall/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130247 NOREL-3B

 

Optimal Blue continues to debut new innovations across complete capital markets platform ahead of MBA Annual Convention and Expo

New data product and three platform enhancements deliver increased market transparency, pricing accuracy, counterparty oversight and trading automation

PLANO, Texas, Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced the launch of a new data solution to deliver increased market transparency, as well as three major platform enhancements focused on pricing accuracy, trade execution and counterparty management. Released ahead of the Mortgage Bankers Association (MBA) Annual Convention and Expo, and as the company prepares for its 2026 Optimal Blue Summit, these innovations reinforce Optimal Blue’s commitment to delivering solutions that position lenders to drive operational excellence and boost competitive performance.

Optimal Blue
Image caption: Optimal Blue.

“We continue to deliver on our promise of innovation at Optimal Blue in areas where it stands to have the greatest impact for our clients,” said Joe Tyrrell, CEO of Optimal Blue. “From AI-powered automation to real-time, transparent market insights, Optimal Blue merges a commitment to modern innovation with decades of proven experience and trust. This will be on full display at our 2026 Optimal Blue Summit, where we will be unveiling more innovations that drive the industry forward.”

  • Broker Search Data License
    Broker Search Data License is a new data product that gives wholesale and non-QM investors a previously unavailable view into broker demand across the market. Delivered monthly from Optimal Blue’s Loansifter platform, the data set includes roughly one million rows of anonymized search activity from more than 6,000 brokers, capturing early signals of what programs and loan types are gaining traction before locks occur. Unlike traditional pricing or lock data, Broker Search Data License reveals broker intent at the top of the funnel, helping investors spot emerging trends, evaluate program competitiveness and refine strategy well ahead of market shifts. Because the data is delivered in a raw, analytics-ready format, users can integrate it directly into internal intelligence environments or combine it with Optimal Blue’s Investor Pricing Insight for a complete view of broker engagement and pricing performance.
  • Pipeline Monitoring for the Optimal Blue PPE
    Pipeline Monitoring is a new feature within Optimal Blue’s product, pricing and eligibility (PPE) engine that automates the oversight of pipeline changes affecting pricing or eligibility post-initial lock. Built for seamless loan origination system (LOS) integrations, it continuously tracks loan detail changes throughout the processing and underwriting of the transaction, such as FICO scores, loan amounts and property information, instantly detecting any change that could alter pricing or eligibility rules. Loan officers receive real-time notifications through email while secondary users can manage these events through an interactive work queue, each specifying which rule triggered the alert, ensuring fast and accurate responses without borrower disruption or pricing-related closing delays. The result is greater workflow automation, reduced manual checks and stronger control over pricing and eligibility risk.
  • Competitive Trade Blotter and TBA Trading Integrations for CompassEdge
    The Competitive Trade Blotter and TBA Trading Integrations are new capabilities within CompassEdge, Optimal Blue’s hedging and loan trading solution, that modernize TBA trading by eliminating manual outreach and fragmented workflows. Traders can collect, compare and execute broker-dealer pricing directly within CompassEdge, reducing error rates and accelerating execution. The Competitive Blotter will track broker-dealer performance trends over time, giving lenders deeper visibility into pricing competitiveness. CompassEdge can connect with any broker-dealer or trading platform that supports APIs. Together, these advancements deliver faster, more accurate and more transparent trading that strengthens broker-dealer relationships and reduces operational risk.
  • Integration Studio for Comergence
    A new capability in Comergence, Optimal Blue’s counterparty oversight solution, Integration Studio lets clients connect seamlessly with external tools such as Salesforce through a no-code integration marketplace. Designed for business users rather than developers, it allows integrations to be configured and deployed in under an hour using an intuitive field mapping wizard with built-in validation and de-duplication. Hourly data syncs and integration logs keep information current and auditable, while self-service admin tools give users full control over their connections. Integration Studio offers a done-for-you approach to data integration that enables lenders, investors and partners to maintain accurate, synchronized and compliant records across systems.

“Innovation at Optimal Blue is about delivering meaningful value that addresses real lending challenges and opportunities,” said Erin Wester, chief product officer at Optimal Blue. “From greater pricing intelligence to seamless system integrations, we’re giving lenders and investors the tools they need to accelerate performance and sharpen their competitive edge.”

Wester will demonstrate Ask Obi – Optimal Blue’s AI-powered assistant that made its debut at the company’s 2025 Summit – at MBA Annual during the Tech Showcase that kicks off at 2:30 p.m. Pacific Time on Monday, October 20. Conference attendees can learn more about Optimal Blue’s new innovations by visiting the company’s booth #200 in the HUB Expo.

Optimal Blue Clients are encouraged to register early for the company’s 2026 Summit taking place February 23–25 in Scottsdale, Arizona, to take advantage of early bird pricing. Registration is open at Summit.OptimalBlue.com.

About Optimal Blue

Optimal Blue powers profitability across the mortgage capital markets ecosystem. As the industry’s only end-to-end capital markets platform, our technology, data, and integrations bridge the primary and secondary markets to help lenders of all sizes maximize performance – from pricing transparency and accuracy to margin protection and every step in between. Backed by over 20 years of proven expertise, our modern, cloud-native technology delivers the real-time automation, actionable data, and seamless connectivity lenders need to navigate market volatility and scale for growth.

To learn more about how Optimal Blue delivers measurable ROI, visit https://OptimalBlue.com/.

MULTIMEDIA:

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NEWS SOURCE: Optimal Blue


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California Safe Schools Marks 27 Years of Transformative Environmental Advocacy

Championing landmark reforms that have pioneered changes in California's environmental health landscape

LOS ANGELES, Calif., Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — Since its founding in 1998, California Safe Schools (CSS) has been at the forefront of protecting children, educators, and communities from toxic exposures. Through tireless advocacy, innovative policies, and community engagement, CSS has led groundbreaking efforts to promote safer school environments, advance environmental justice, and ensure transparency in environmental health. Today, after 27 years of dedicated work, CSS continues to inspire change locally, statewide, and internationally—empowering youth and communities to build a healthier, safer future for all.

California Safe Schools
Image caption: California Safe Schools.

On October 13, 2025, CSS hosted its 27th Annual “Your Life Is Now” Environmental Forum at The California Endowment in historic downtown Los Angeles.

Leticia Ordaz, Emmy Award-winning news anchor, author, and publisher of Cielito Lindo Books, opened the event by honoring Indigenous Peoples’ Day and acknowledging the ancestral lands of the Gabrielino/Tongva Nation. Over 250 attendees — including regulators, educators, students, elected officials, and advocates — gathered to promote a healthier, more just future.

CSS Founder Robina Suwol introduced Keynote Speaker David Loy, Legal Director of the First Amendment Coalition, who delivered a powerful address highlighting the vital roles of civic engagement and environmental transparency. His remarks were followed by a heartfelt awards ceremony honoring outstanding leaders and youth change makers.

“Each year, we are reminded that protecting our children’s health and environment requires courage, compassion, and collaboration. The recipients of the California Safe Schools Awards exemplify these values — through bold leadership, imagination, and long-standing commitment, they turn vision into action and bring transformative change to environmental health and justice. Together, they help ensure a safer, more just world for future generations,” said Robina Suwol, Founder & Executive Director, California Safe Schools.

This year’s distinguished honorees include:

VISIONARY AWARDS

  • David Loy
    Legal Director, First Amendment Coalition
    Keynote Speaker & Visionary Honoree
    For over 25 years, David Loy has been a tireless defender of free speech, a free press, and the public’s right to know.
  • Angela Johnson Meszaros
    Attorney, Earthjustice
    With more than 30 years of legal advocacy, Angela has worked throughout the Los Angeles region to combat the health and environmental harms caused by fossil fuels and hazardous waste.
  • Mamie Funahashi
    CFO & Vice President of Executive Partnerships, Community Initiatives
    With 25 years in finance and two decades of nonprofit leadership, Mamie has empowered organizations to grow with integrity and community impact.
  • Carolyn Fowler
    Government Relations Advisor for Sherlett Newbill, Los Angeles Unified School District Board Member, Carolyn is deeply engaged in civic life and local advocacy, providing trusted guidance and a strong voice for her community.
  • Dan Wright
    Los Angeles County District Attorney’s Office, Crimes Division
    Dan has demonstrated unwavering dedication to justice and public safety through his work investigating and prosecuting environmental and community crimes.
  • Maryhelen Torres
    Administrator of Operations, Los Angeles Unified School District
    With 42 years of service, Maryhelen has devoted her career to improving the lives of students and families across Los Angeles.

IMPACT AWARD

Presented to Enrique Baeza, Chief Investigator, California Department of Toxic Substances Control (DTSC), in recognition of his 25 years of dedicated service and outstanding leadership in environmental protection and community health.

YOUTH HERO HONOREES

CSS proudly recognized the following exceptional young leaders:

  • Jacob L. Conner
    Junior, Dorsey High School
    Jacob aspires to pursue a career in law and is already demonstrating leadership and a strong commitment to justice.
  • Madison Simmons
    10-Year-Old Entrepreneur & Founder, Curating Our Legacy
    What began as a school project has evolved into a movement. Madison’s mission is bold yet simple: to help girls embrace their uniqueness and lead with confidence. Through her platform, she’s igniting a “Rarevolution” — empowering girls everywhere to declare: “I’m different. Unique. Me!”
  • Maxton Baeza
    Author of “The Carousel King and the Space Mission”
    Maxton promotes literacy in underserved communities by spending his free time reading at events with his family. He was honored with four finalist nominations and one honorable mention at the International Latino Book Awards.
  • Bronx Baeza
    11-Year-Old Author of “Super Peanut: Big Bully”
    Bronx’s book, which addresses bullying and self-empowerment, was awarded Best Educational Picture Book of 2024 at the International Latino Book Awards.

ENVIRONMENTAL PANELS

Morning Panel: Environmental Enforcement

Moderated by Jessica Brown, Attorney, Los Angeles City Attorney’s Office – Public Rights Branch

Panelists:

  • Todd Sax, Senior Enforcement Advisor, CalEPA
  • Maria Hall, Civil Rights Attorney & Director, LA Incubator Consortium
  • Jane Williams, Executive Director, California Communities Against Toxics
  • Dan Wright, Assistant Head Deputy, LA County District Attorney’s Environmental Crimes Division

Afternoon Panel:

Moderated by Sandra Schubert, Executive Director, Tuleyome

Panelists:

  • Angela Johnson Meszaros, Senior Attorney, Earthjustice – Community Partnerships Program
  • Cynthia Babich, Founder & Director, Del Amo Action Committee
  • Martin Schlageter, Special Assistant to the GM, Metropolitan Water District of Southern California
  • Enrique Baeza, Chief Investigator, Department of Toxic Substances Control

“Participating in the ‘Your Life Is Now’ event has truly inspired my Leadership and Environmental Science students. They returned more energized and committed than ever to pursuing their college and career pathways rooted in principled community engagement and meaningful action,” said Joseph Ehrlichmann, Teacher, Larchmont Charter School.

“The ‘Your Life Is Now’ Environmental Forum was a day of action, awareness, and empowerment. From exceptional speakers and engaging panels to the outstanding honorees, every moment reflected a deep commitment to protecting our environment and future generations,” added Adrienne Quarry, Forum Attendee.

EVENT SPONSORS

California Safe Schools gratefully acknowledges the generous support of the following sponsors whose partnership made the 27th Annual Your Life Is Now Environmental Forum possible:

  • California Environmental Protection Agency (CalEPA)
  • California Air Resources Board (CARB)
  • South Coast Air Quality Management District (South Coast AQMD)
  • Los Angeles County Supervisor Hilda Solis
  • Los Angeles County Supervisor Janice Hahn
  • Los Angeles County Supervisor Lindsey Horvath
  • Earthjustice
  • Galpin Ford
  • City Councilmember Nithya Raman
  • Community Initiatives

ABOUT CALIFORNIA SAFE SCHOOLS (CSS)

Founded in 1998, California Safe Schools is a nonprofit organization committed to protecting children’s health and the environment. The organization promotes safer school environments, advances environmental justice, and works to eliminate toxic exposures in schools and communities. CSS’s groundbreaking policies and advocacy efforts have led to both statewide and national reforms, protecting millions.

For more information, visit: http://www.calisafe.org/

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MEDIA ONLY CONTACT:
Robina Suwol
Founder and Executive Director
California Safe Schools
818.785.5515 office
Email: calisafe @ earthlink.net

NEWS SOURCE: California Safe Schools


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New Jersey’s Save LBI Calls for Accountability on Offshore Wind Decommissioning, Urges U.S. Dept. of Interior to Reverse Previously Approved Deferrals

LONG BEACH ISLAND, N.J., Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — Save Long Beach Island, Inc. (Save LBI), a grass-roots organization dedicated to sound energy policies and preserving our shore and ocean environment, today urged the U.S. Department of Interior (DOI) to end the egregious practice of letting operators of offshore wind farms postpone providing financial assurance earmarked for the future decommissioning and removal of turbines and related infrastructure.

Save Long Beach Island (Save LBI)
Image caption: Save Long Beach Island (Save LBI).

The organization, which is backed by more than 10,000 supporters, also urged the agency to take two specific actions: 1) Invalidate previous financial assurance deferrals granted to offshore wind projects, compelling developers to provide that assurance soon after turbine operation begins, and 2) mandate that all future renewable energy approvals comply with strict regulations under the Code of Federal Requirements (CFR).

In a letter to DOI Secretary Doug Burgum, Save LBI said the practice of deferring financial responsibility “appears to be pervasive” and cited specific instances where the DOI’s Bureau of Ocean Energy Management (BOEM) authorized the owners of Rhode Island’s Revolution Wind and Massachusetts’ Vineyard Wind projects to postpone payments for 15 years, giving the developers excessive leeway in establishing funding necessary to cover the substantial costs of decommissioning the planned 127 wind turbines off the coast of New England.

Citing one of many examples, the letter — signed by Save LBI attorney Thomas Stavola and Bob Stern, Ph.D scientist and president of the organization — says BOEM authorized a deferral for Revolution Wind on the basis that “providing the full amount of its decommissioning financial assurance prior to receiving any revenue under its power purchase agreements (PPAs) would be an unnecessary and unreasonable financial burden on the company.” However, such revenues are received by the company well before the 15-year deferral given.

A Lack of Accountability

BOEM’s approval of Revolution’s “departure request” ignores CFR requirements, which state, “Any departure approved under this section and its rationale must…be consistent with subsection 8(p) of the OCS Lands Act…[and] protect the environment and the public health and safety to the same degree as if there was no approved departure from this part…”

Calling the approvals “patently absurd,” Stavola said “BOEM abdicated its responsibility to the American people by relying heavily on the ‘financial strength’ of the project instead of upholding its duty to protect the environment, public health, and safety.”

BOEM’s action in the case of Revolution Wind undermines CFR criteria in a number of ways, including:

  • Increasing risk to federal taxpayers, as delineated by the Government Accountability Office (GAO).
  • Foreclosing the possibility of using funds set aside for turbine decommissioning to address unforeseen events — such as Vineyard Wind’s blade failure in the summer of 2024.
  • Heightening the risk that an offshore wind developer will be incapable of meeting financial assurance obligations 15 years down the road, leaving taxpayers to foot the bill.
  • Elevating the possibility of littering the ocean with abandoned offshore wind infrastructure, which could potentially occur after only 10 to 15 years of operation — well before the structure’s official life expectancy. Long-term risks include the potential for derelict turbines, foundations, cables, substations to become hazards for marine wildlife, while leakage of lubricants, hydraulic fluids, and other pollutants contaminates the marine environment.
  • Precluding a key enforcement tool. Without financial assurance, the mechanism that would compel full-site restoration is removed. CFR decommissioning requirements for offshore wind projects include the removal of all facilities, projects, cables, pipelines, obstructions, and clearing the seafloor of all obstructions created by activities authorized under the lease. What’s more, if developers become financially insolvent, regulators lose leverage to enforce compliance.
  • Creating navigational/safety hazards. Abandoned turbines would pose hazards to vessels, fisheries, and navigation, as well as military and commercial radars.
  • Degrading the marine environment in perpetuity. Abandoned turbines will harm marine habitats and interfere with the migration of the critically endangered North Atlantic right whale.

“Beyond the many negatives created by not holding offshore wind developers accountable, there are other fundamental problems,” Stern noted. “It’s not clear what decommissioning means in the context of prior BOEM deferrals or whether the amount of financial assurance specified is up to the task.”

The Save LBI leader stressed the importance of explicitly defining what ‘decommissioning’ means and specifying the level of financial commitment required to fully remediate a site that is no longer active. “Decommissioning could range from merely removing turbine blades to removing the entire turbine tower along with the blades and a subsection of the foundation. We don’t know whether the amount of financial assurance includes onshore storage, processing, and ultimate disposal of materials.”

According to Save LBI estimates, the latter decommissioning effort could cost twice as much as the $325.4 million BOEM assigned to Revolution Wind. The Burgum letter states: “We would suggest that this subject requires major surgery in your upcoming Outer-Continental Shelf rule revisions, and that you consider the following elements in such a revision: a) that turbine removal down to a section of the foundation be required in all cases, b) that a preliminary turbine removal plan and cost be included in the Construction and Operations Plan, c) that BOEM prescribe methods of calculating the cost of turbine removal, including onshore processing and disposal, and, d) that financial assurance begin one year after commencement of operation and be provided for the full cost amount no later than 10 years after commencement of operation.

About Save LBI

Save LBI is a not-for-profit, non-partisan organization that has been active in ongoing litigation and other efforts to protect the coastal and marine environment from the senseless industrialization of our oceans. The organization is led by Beach Haven, N.J. resident Bob Stern, a Ph.D. scientist with experience in environmental planning and environmental law. He is a former manager of the U.S. Department of Energy office responsible for overseeing environmental protection related to energy projects and the Bureau of Air Quality Planning within the New Jersey Department of Environmental Protection (NJDEP). For more information on Save LBI and its efforts, please visit SaveLBI.org.

Contact: https://www.savelbi.org/contact

For more information click here: https://www.savelbi.org

NEWS SOURCE: Save Long Beach Island (Save LBI)


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iEmergent puts HMDA benchmarking, market analysis and broker insights at lenders’ fingertips with newest set of market intelligence dashboards

Interactive data visualizations, available within Mortgage MarketSmart or as standalone dashboards, help lenders measure performance and uncover growth opportunities

DES MOINES, Iowa, Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced three new market intelligence dashboards that give mortgage lenders immediate, data-driven visibility into competitive benchmarking, market trends and broker performance.

iEMERGENT
Image caption: iEmergent puts HMDA benchmarking, market analysis and broker insights at lenders’ fingertips.

The new dashboards are available within iEmergent’s flagship Mortgage MarketSmart platform or a la carte, giving banks, credit unions and independent mortgage lenders flexible ways to turn data into action.

They are:

  • HMDA Analysis
    Built for competitive benchmarking, the HMDA Analysis dashboard lets users explore the latest Home Mortgage Disclosure Act (HMDA) data to compare performance against selected peer sets, identify potential partners and assess application, origination and denial patterns. Users can compare financial institutions side-by-side and apply flexible global filters to quickly focus analysis by geography and loan characteristics.
  • Market Analysis
    Market Analysis reveals where mortgage origination opportunities are emerging and shifting in a chosen market down to the individual county. By blending iEmergent’s highly accurate loan origination forecasts with historical origination data, users can see how lending activity is trending over time and by loan purpose. Current real estate listings and Census demographics add critical context on housing supply, affordability and demand, helping lenders target growth with precision.
  • Broker Profile
    Designed to help lenders identify and recruit ideal partners for their wholesale and correspondent channels, the Broker Profile completes iEmergent’s broader set of Profile dashboards introduced earlier this year. It illuminates any mortgage broker’s production and connections with loan officers, lenders and real estate agents.

Designed for clarity and flexibility, iEmergent’s market intelligence dashboards support a range of user experiences from quick exploration of top-level trends to deep, analytical dives. Continuous enhancements to dropdowns, filtering, labeling and navigation make it easy for everyday users to access key insights while giving power users the tools to conduct advanced, granular analysis. Built-in sharing and export options make collaboration effortless, ensuring insights flow smoothly across teams.

“Lenders need intelligence they can trust and apply immediately,” said iEmergent COO Bernard Nossuli. “The new dashboards make it simple to analyze performance, compare results and uncover opportunity without requiring deep technical expertise. It’s about making complex market data truly accessible.”

“The mortgage industry is awash in data but starved for insight,” added CEO Laird Nossuli. “This launch brings us closer to solving that problem. With every new dashboard, we’re turning raw information into a living, visual story about how lending markets evolve.”

Request a demo of iEmergent’s full suite of market intelligence dashboards by visiting https://www.iemergent.com/request-demo .

About iEmergent:

Founded in 2000, iEmergent provides mortgage lending forecasts and analytics to the lending, housing and real estate industries. The company offers an extensive variety of forecast and market intelligence products, including Mortgage MarketSmart, a visualization tool that helps lenders quantify how mortgage markets will change. For more information, visit https://www.iemergent.com/.

Tags: @iEmergent #lending #mortgage #mortgagelending #bi

Media Kit:
https://www.iemergent.com/docs/default-source/default-document-library/presskit_digitallinked.pdf

NEWS SOURCE: iEmergent


This press release was issued on behalf of the news source (iEmergent), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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LenderLogix Q3 2025 Homebuyer Intelligence Report Reveals Subtle Shifts in Pre-Approval Volume and Post-App Behavior

BUFFALO, N.Y., Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks, and brokers, today announced the release of the Homebuyer Intelligence Report, a quarterly summary of insights into borrower behavior during the home-buying process based on data collected by the LenderLogix suite of tools. The latest report covers data collected during the pre-approval and borrower application process in the third quarter (Q3) of 2025.

Infographic: LenderLogix's Q3 2025 Homebuyer Intelligence Report.
Image caption: Infographic: LenderLogix’s Q3 2025 Homebuyer Intelligence Report.

Pre-Approvals

In Q3 2025, borrowers generated 8.61% fewer pre-approval letters through LenderLogix’s QuickQual pre-approval platform than in Q2 2025. The average number of pre-approved borrowers per loan officer decreased from 28.6 in Q2 2025 to 25.2 in Q3 2025.

The average loan amount on pre-approval letters declined from $367,305 in Q2 to $328,997 in Q3. Likewise, the average sale price fell sharply from $423,667 to $385,822. However, the average down payment percentage moved in the opposite direction, rising from 13.3% to 14.7% as borrowers brought more funds to the table.

Conventional loans remained the most popular loan type for pre-approved borrowers in Q3, decreasing marginally from 74.7% to 74.6% from the prior quarter. FHA pre-approvals increased marginally from 18.6% to 18.7%. VA decreased slightly from 4.5% to 4.2%, and USDA (1%) maintained its share from Q2 to Q3 2025.

“Despite a modest seasonal decline in pre-approval activity and loan amounts, borrowers are signaling seriousness through larger down payments and steady interest across loan types,” said LenderLogix Co-Founder and CEO Patrick O’Brien. “These trends point to a purchase market that is more price-conscious but still active.”

Borrower Conversion

Of the borrowers using QuickQual in Q3 2025, the average number of days between pre-approval and loan submission increased from 86.3 to 89.5 days in Q3.

From pre-approval to loan application, the conversion rate among borrowers held steady at 56% in Q3. Borrowers required an average of eight pre-approval letters before converting, maintaining the Q2 average into Q3. In total, new applications through the LiteSpeed point-of-sale (POS) platform increased 1.5% from Q2 2025 to Q3 2025.

“Borrower conversion remained steady this quarter, even though the timeline between pre-approval and loan submission lengthened,” said O’Brien. “This suggests that homebuyers are staying engaged despite navigating longer home search cycles.”

Post-Application Engagement

In Q3 2025, the number of documents uploaded through LiteSpeed grew 1.5% quarter-over-quarter. The number of newly created needs lists, including both online applications and those entered by loan officers, increased 1.6% in Q3.

Successful verification of income and employment (VOIE) through POS across all providers increased from 17.1% in Q2 to 17.8% in Q3. Verification of assets (VOA) decreased slightly from 33.7% to 31.2% over the same period.

“Post-application activity showed modest growth, and verification performance remains an area where lenders can continue to gain efficiency,” O’Brien added. “With meaningful differences in verification success rates between providers, the data underscores the importance of lender flexibility and smart vendor selection when optimizing workflow performance.”

Data from LenderLogix Homebuyer Intelligence Report is available to the industry free of charge. To learn more about LenderLogix, visit www.lenderlogix.com.

About LenderLogix:

LenderLogix leverages the four decades of firsthand mortgage origination and real estate experience of its executive team to design customized software to meet the needs of today’s mortgage lenders. The company’s suite of products addresses the speed at which today’s real estate market moves by delivering technology solutions that create agile and informed borrowers, build strong referral partners and ultimately save lenders time and money. For more information, visit https://www.lenderlogix.com/.

NEWS SOURCE: LenderLogix


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Survey of World’s Archives Yields First Ever Master Directory, Boosting Access to History and Scientific Data

Newly launched Guide to Public Archives equips researchers to quickly locate rich data in national, regional, local and digital archives

LOS ANGELES, Calif., Oct. 16, 2025 (SEND2PRESS NEWSWIRE) — Newsjunkie, the journalism site known for “Who’s Behind the News” articles, announced today the release of Guide to Public Archives, the news industry’s first comprehensive directory of historical, cultural, and scientific archives maintained for public access. The Guide is designed to serve researchers seeking information from the astonishing array of curated collections across the globe, some dating as far back as the 13th century. Over 4,000 collections are represented across 800 repositories, with more set to be added to the database next year.

Newsjunkie - newsjunkie.net logo
Image caption: Newsjunkie.net logo.

The Guide to Public Archives provides essential thumbnail sketches about archives, libraries, and repositories worldwide, including descriptions of collections, contact information, and access requirements. By centralizing the information into one gateway service, Newsjunkie improves the discovery process, helping users find sources and services for their research.

“Professional archives preserve our collective history, and support ongoing scholarship within almost every field,” said Newsjunkie publisher Gordon Whiting. “Our guide makes the search for primary materials more fun, less tedious.”

The Guide includes archives spanning multiple disciplines and regions, from ancient census data to modern literature, photographs and recordings, to newspapers, government documents, scientific records, and specialized collections focused on particular historical periods, cultures, industries, or communities. Collections of the scale of Library of Congress and The Vatican are included, as well as numerous local and single-subject repositories.

Newsjunkie developed the Guide to Public Archives in response to growing interest from journalists who struggle to locate which archives out of thousands hold materials relevant to their assignments. The Guide streamlines the process and encourages broader engagement with facilities, artifacts and data that might not have been known to the user in the past. “We’re developing new filter tools to help navigate these spaces,” said Whiting. “The sheer number of collections and artifacts is a challenge to master, but very exciting.”

The Guide to Public Archives is available free of charge at https://Newsjunkie.net/archives/.

More information about the Guide and other resources for journalists and researchers may be found at https://newsjunkie.net/about.

About Newsjunkie:

Newsjunkie (Newsjunkie.net) is a Los Angeles-based, internationally-focused resource site for journalists, offering data and commentary on news organizations, media owners, journalism schools, and best practices in the worlds of editing, reporting, and publishing. More at https://newsjunkie.net/.

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NEWS SOURCE: Newsjunkie


This press release was issued on behalf of the news source (Newsjunkie), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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Neurology, Psychiatry and Balance Therapy Center (NPBTC) Launches New Website to Better Support Patients

The improved online presence matches NPBTC's personalized and leading-edge treatment approach

BLUE BELL, Pa., Oct. 15, 2025 (SEND2PRESS NEWSWIRE) — The team at Neurology, Psychiatry, and Balance Therapy Center (NPBTC) aims to treat the whole person, including the part that needs information or scheduling functionality online. With that in mind, the practice has retooled its website.

NPBTC staff from left to right is Dr. Ian Haslam, DPT - Dr. Sonya Knight, DO, FAAN - Sarah Carmine, PA-C
Image caption: NPBTC staff from left to right is Dr. Ian Haslam, DPT – Dr. Sonya Knight, DO, FAAN – Sarah Carmine, PA-C.

The new site delivers information patients and potential patients need. It’s fast, responsive, and easy to navigate so website visitors can clearly understand the care NPBTC offers and how to access it.

The now-launched NPBTC website puts an emphasis on the team’s areas of expertise. It has dedicated landing pages for all of the following services:

  • Neurology: Whether someone’s dealing with memory loss, a concussion, migraines, or another neurological condition, the NPBTC team packed this service page with information about both neurology in general and their treatment approach in particular.
  • Physical therapy: NPBTC offers physical therapy to help with safe movement, fall avoidance, and support for specific conditions like Parkinson’s disease. The new webpage makes it clear how the team approaches physical therapy, and how it ties into their neurology care. Their physical therapy team is led by Dr. James Barsky, a licensed Doctor of Physical Therapy.
  • TMS therapy: Transcranial magnetic stimulation (TMS) is a leading-edge treatment for depression, OCD, and smoking cessation. This landing page explains how the FDA-cleared treatment works in the brain and what patients can expect if they choose it.
  • Psychiatry: This service page explains the mental healthcare that the Center’s team offers. Because Dr. Sonya Knight is board-certified in both psychiatry and neurology, patients at NPBTC have access to psychiatric care ranging from diagnosis to referrals to a talk therapist.

To provide patients a clearer idea of how the Neurology, Psychiatry and Balance Therapy Center can help, the site also features dedicated webpages for the conditions the team most commonly treats. People can find detailed information about depression, epilepsy, smoking addiction, and more.

Perhaps most importantly, if anyone decides they would benefit from care at the Center, the website makes it easy for them to get started. Contact information is prominently featured, and the site includes a form potential patients can submit to request an appointment.

With the new, informative, patient-focused site, the Neurology, Psychiatry and Balance Therapy Center has an online presence that matches the care its team provides.

ABOUT NEUROLOGY, PSYCHIATRY AND BALANCE THERAPY CENTER (NPBTC)

Neurology, Psychiatry, and Balance Therapy Center was founded in 2012 by triple board-certified neurologist and psychiatrist Dr. Sonya Knight. The practice was built with a single purpose: to treat the whole person, not just the diagnosis.

Located in Blue Bell, Pennsylvania, NPBTC offers an integrated model of care that brings together neurology, psychiatry, and physical therapy under one roof. By combining brain-based medicine with personalized physical rehabilitation and mental health support, the team is able to deliver more complete, compassionate care for complex conditions.

Learn more at https://www.npbtc.com/

CONTACT INFORMATION
Neurology, Psychiatry and Balance Therapy Center
725 Skippack Pike, Suite 130
Parec Plaza
Blue Bell, PA 19422
(215) 591-0700
info@npbtc.com

NEWS SOURCE: Neurology, Psychiatry and Balance Therapy Center (NPBTC)


This press release was issued on behalf of the news source (Neurology, Psychiatry and Balance Therapy Center (NPBTC)), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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The Exit Is Just the Beginning: Mark Fujiwara Unveils Intimate Conversations with Entrepreneurs Who Found Purpose After Selling Their Companies

LOS ANGELES, Calif., Oct. 15, 2025 (SEND2PRESS NEWSWIRE) — In a timely response to the growing mental health crisis among successful entrepreneurs, wealth management veteran Mark Fujiwara has released “Beyond the Hustle: Finding Higher Purpose After the Exit” (ISBN: 978-1964377582 [ebook]; 978-1964377575 [paperback]; 978-1964377568 [hardcover] Legacy Launch Pad Publishing).

Beyond the Hustle: Finding Higher Purpose After the Exit, by Mark Fujiwara
Image caption: “Beyond the Hustle: Finding Higher Purpose After the Exit,” by Mark Fujiwara.

This unprecedented collection of raw, revealing interviews pulls back the curtain on what really happens after the champagne toast, as high-achieving business founders navigate the unexpected void left by selling their companies—often discovering their most meaningful work lies ahead.

“Through these candid conversations with successful entrepreneurs who’ve exited their companies, we discover that financial achievement often leads to an unexpected identity crisis,” says author Mark Fujiwara. “This book brings to light the stories that aren’t typically shared – the struggle to find meaning when the business that defined you is suddenly gone.”

The book emerged from Fujiwara’s observations as a wealth management professional working with high-net-worth entrepreneurs who, despite their financial success, struggled with purpose and mental health after their exits. The interview collection reveals common patterns of isolation, depression and anxiety that often follow a business sale, while also highlighting paths to renewal and higher purpose.

Each interview offers a raw, unfiltered look at the entrepreneurial journey from startup to exit and beyond. The conversations with mental health practitioners provide complementary perspectives on innovative treatment approaches beyond traditional medication, offering hope and practical direction for those navigating similar transitions.

“This isn’t another business book telling entrepreneurs how to exit – it’s an honest exploration of what happens after the exit,” Fujiwara explains. “By sharing these diverse experiences through intimate interviews, I hope to normalize conversations around entrepreneurial mental health and show that there are many paths to finding meaning beyond business success.”

“Beyond the Hustle” features conversations with such notable entrepreneurs as Spiritual Gangster founder Ian Lopatin and Melissa & Doug Toys co-founder Melissa Bernstein. The foreword is written by TOMS Shoes founder Blake Mycoskie. All openly discuss their struggles with such issues as depression and addiction as well as their experiences finding new purpose.

“Beyond the Hustle” is available at Amazon, Barnes & Noble and other major online booksellers.

About Legacy Launch Pad Publishing:

Legacy Launch Pad is the leading book publisher for entrepreneurs who want to build authority and leave a legacy. The company has published numerous Wall Street Journal and USA Today bestselling authors whose books have been featured on such shows as Today and Good Morning America as well as in publications like The New York Times and USA Today. For more information, visit https://www.legacylaunchpadpub.com/

NEWS SOURCE: Legacy Launch Pad Publishing


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Clever AI Humanizer Launches as Free AI Humanizer With No Online Ads or Paywalls

NEW CASTLE, Del., Oct. 15, 2025 (SEND2PRESS NEWSWIRE) — CleverFiles launches Clever AI Humanizer, a free tool that can humanize AI text into natural, human-sounding writing. Clever AI Humanizer accurately detects and removes the language patterns AI detectors are trained to flag, and it does so without any ads or paywalls.

Clever Ai Humanizer
Image caption: Image caption: Clever Ai Humanizer.

The entire process takes just three steps: paste your text (up to 4,000 words per run), click humanize, and get results that are indistinguishable from real human writing. The same results are safely tracked by the History feature for easy retrieval in the future.

With Clever AI Humanizer, all users get 120,000 words per month, which is approximately 400-480 double-spaced pages or 4-5 full-length novels, 200+ blog posts, and 400+ essays. No registration is required to start using the tool, and the interface is available in 20 languages, including Spanish, French, German, Japanese, Chinese, and Arabic.

In internal tests, Clever AI Humanizer successfully bypassed AI detector algorithms and reduced AI-detector flags to about 5-10% on ZeroGPT, 20-40% on GPTZero, 5-15% on QuillBot, and 5-20% on Grammarly. Results vary depending on input text length, style, content, and other factors, including potential future updates implemented by AI writing detectors.

During the same internal tests, senior writers and editors reviewed the undetectable AI output and confirmed that the humanized text preserved the original meaning and grammatical correctness. In some instances, it even objectively improved the flow and readability of the text by splitting long, convoluted sentences into multiple shorter ones.

“We built this because people wanted a straightforward ChatGPT humanizer that would work without jumping through hoops. They wanted an answer to the question ‘How to humanize ChatGPT,'” said Roman Kropachek, CEO of CleverFiles. “No signups, no ads, no tricks. Just a tool that works.”

Clever AI Humanizer is available now at https://aihumanizer.net/. It’s free for everyone.

About CleverFiles:

CleverFiles builds elegant yet powerful software that helps millions of people solve everyday problems. The company is particularly known for its data recovery application, Disk Drill, which has been helping users recover lost files since 2010. CleverFiles has also released Clever Online Video Repair, a completely free corrupted video repair tool that represents humanized technology at its best.

IMAGE LINK: https://www.Send2Press.com/300dpi/25-1015-s2p-cleverfiles-300dpi.webp

Image caption: Clever Ai Humanizer.

NEWS SOURCE: CleverFiles


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Flottman Company Unveils Revamped Website, Showcasing a Century of Print Excellence

CRESTVIEW HILLS, Ky., Oct. 15, 2025 (SEND2PRESS NEWSWIRE) — The Flottman Company is thrilled to announce the successful redesign and launch of our new company website, flottmanco.com, developed by our very own full-service marketing division, FusionWrx. This launch marks a significant milestone for Flottman Company, reinforcing our position as an industry leader and demonstrating our dedication to evolving with the digital landscape.

When a historic company charts a path for the future.
Image caption: When a historic company charts a path for the future.

For over a century, Flottman Company, a venerable leader in the printing industry, has been synonymous with print excellence.

“Our goal with this project was to have FusionWrx, our in-house marketing agency, create a sophisticated and user-friendly digital platform that truly reflects our more than century-long commitment to quality, innovation, and client satisfaction,” said company president, Sue Flottman Steller.

A DIGITAL EXPERIENCE TO MATCH OUR PRINT CAPABILITIES

It was crucial that our website not only communicated our print legacy but also showcased our ongoing innovation and commitment to our clients. The new site features a modern, responsive design, improved navigation, and engaging content that clearly articulates our comprehensive range of commercial printing and pharmaceutical insert capabilities.

As Peter Flottman noted, “Our marketing division understood our needs perfectly and delivered a dynamic, engaging site that truly represents who we are today and where we are heading. They focused on delivering a site that is not only visually appealing but also highly functional.”

KEY ENHANCEMENTS OF THE NEW WEBSITE

Flottman Company’s collaboration with FusionWrx focused on providing an enhanced online experience for our diverse clientele and built with our visitors in mind. Here’s what you can expect:

  • Accessible on Any Device: Whether you’re on a phone, tablet, or desktop, the site is easy to view and use, making it simple for everyone to access the information they need.
  • Modern Look, Same Values: The updated design reflects our commitment to innovation while staying true to the legacy and values that built our business.
  • Improved Navigation: Clear menus and a clean layout help you quickly find what you’re looking for — from our range of services and unique capabilities to our company’s history.
  • What We Do, Front and Center: You’ll find dedicated sections that showcase our strengths in commercial printing, pharmaceutical printing, and commercial and industrial folding, and pharmaceutical folding.

The launch of the new website reinforces our dedication to integrity and advancement in business, continued client successes, and constantly identifying ways to improve our quality of service.

ABOUT FLOTTMAN COMPANY, INC.

Based in Crestview Hills, Kentucky, Flottman Company, Inc. is a third-generation, family-owned printing company with over 100 years of experience. We provide a wide range of printing solutions, including high-quality commercial printing, specialized pharmaceutical inserts, and comprehensive marketing services, helping businesses across various industries achieve their print and marketing objectives.

Learn more at: https://flottmanco.com/ and https://fusionwrx.com/.

MULTIMEDIA:

Image link for media: https://www.Send2Press.com/300dpi/25-1015-s2p-flottman-300dpi.webp

Image caption: When a historic company charts a path for the future.

NEWS SOURCE: Flottman Company


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DocMagic awarded dual patents for groundbreaking electronic loan document innovations

Patents advance fully digital mortgage closings

TORRANCE, Calif., Oct. 15, 2025 (SEND2PRESS NEWSWIRE) — DocMagic, Inc. announced today it has been granted two patents from the United States Patent and Trademark Office: Patent No. 12,175,785 for its system and method of “Determining Similar Loan Documents” and Patent No. 12,169,976 for its system and method of “Enabling Electronic Loan Documents.” Individually and collectively, the patents give DocMagic competitive exclusivity to technology that strengthens the company’s ability to automate document preparation and digital closing workflows.

DocMagic, Inc.
Image caption: DocMagic awarded dual patents for groundbreaking electronic loan document innovations.

The issuance of these patents reflects the novelty of DocMagic’s inventions as determined by the U.S. Patent and Trademark Office. Both patented inventions are already integrated into DocMagic’s AutoPrep™ solution, which instantly converts third-party documents into e-ready files for eSignature, eNotarization and eClosing. This technology enables DocMagic to deliver more efficient, compliant and secure closing workflows.

“These patents represent a critical milestone toward universal adoption of digital closings,” said DocMagic co-founder and CEO Pat Theodora. “They reflect our decades-long commitment to innovation and our vision to continually push technological boundaries. This achievement honors the pioneering spirit that has defined DocMagic since its founding nearly 40 years ago.”

“Our focus has always been on removing friction from the mortgage process through technology,” said Michael Morford, DocMagic’s chief technology officer. “By combining AI, optical character recognition and patented technologies, DocMagic delivers an intuitive solution that instantly prepares documents for fully digital closings. These innovations transform how documents are prepared, executed and secured, creating a truly digital experience for lenders, borrowers and settlement agents.”

About DocMagic:

Founded in 1987 and headquartered in Torrance, California, DocMagic, Inc. is a leading provider of compliant document generation, automated compliance, eSignature and comprehensive eMortgage solutions for the mortgage industry. The company’s solutions facilitate precision-based digital lending transactions, connecting industry participants and ensuring data integrity. With in-house compliance experts and legal staff, DocMagic monitors legal and regulatory changes at both federal and state levels. For more information on DocMagic, visit https://www.docmagic.com/.

Tags: @DocMagicTech

NEWS SOURCE: DocMagic, Inc.


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Cloudvirga integrates Horizon POS with Stewart Valuation Intelligence to streamline appraisal ordering

Integration gives lenders and borrowers more transparency, faster turn times and fewer manual steps in the appraisal process

IRVINE, Calif., Oct. 15, 2025 (SEND2PRESS NEWSWIRE) — Cloudvirga, a Stewart-owned provider of digital point-of-sale platforms for lenders, today announced the integration of its Horizon POS with Stewart Valuation Intelligence, LLC (SVI), a national provider of appraisal management and residential real estate valuation services. Borrowers applying on a self-serve basis can request an appraisal directly, while loan officers can initiate and manage orders when completing an application on a borrower’s behalf.

Cloudvirga logo
Image caption: Cloudvirga integrates Horizon POS with Stewart Valuation Intelligence to streamline appraisal ordering.

The result is a simpler, faster appraisal process that eliminates manual handoffs and keeps both lenders and borrowers informed at every step. By reducing friction and improving transparency, the integration helps lenders shorten cycle times and deliver a more consistent borrower experience.

Lenders decide how tasks are triggered: automatically upon intent to proceed, or by the loan officer sending a secure link to the borrower. Each request is first routed to the loan officer for review before being released to SVI, ensuring details such as FHA case numbers can be added when needed.

SVI then assigns the appraisal through its ValueGuard software to the lender’s contracted AMC, which may include SVI itself or another AMC in the network. Real-time status updates—from order acceptance through inspection and report delivery—flow back to Horizon, where loan officers and borrowers can view the appraisal securely. The integration also supports revision requests, order holds and cancellations, with SVI handling payment collection through its secure system.

“This integration removes a long-standing friction point in the mortgage process,” said Kendra Walters, director of product development for Horizon at Cloudvirga. “By bringing SVI’s appraisal technology into Horizon, we’re giving lenders a more efficient way to manage appraisals and giving borrowers the same consistency and transparency they expect from every other part of the loan process.”

“SVI is committed to appraisal innovation that improves lender efficiency and borrower experience,” said John “J.R.” Raftery, director of valuation strategy at Stewart Valuation Intelligence. “Working with Cloudvirga extends that commitment by embedding our valuation technology directly into the loan workflow, where it can make the greatest impact.”

Lenders can learn more about Horizon POS and its integrations by visiting https://www.cloudvirga.com/.

‍About Cloudvirga:

Cloudvirga is a leading provider of digital point-of-sale platforms designed to engage borrowers and increase lending efficiency. Its modular solutions help lenders streamline the loan process, improve accuracy and scale operations without sacrificing the human touch. Cloudvirga is a subsidiary of Stewart Information Services Corporation (NYSE: STC), a customer-focused, global title insurance and real estate services company. For more information, visit https://www.cloudvirga.com/.

About SVI:

SVI is a nationwide leader in residential valuation, combining human expertise with advanced technology. Leveraging AI-driven tools and intelligent analytics, we streamline workflows, strengthen quality control and surface insights that enable faster, more informed decisions across the valuation lifecycle. Our solutions span traditional appraisals, GSE-compliant modernization solutions, BPOs, evaluations, AVMs, hybrids, inspections and review services. Learn more at stewartvaluation.com.

Tags: @Cloudvirga #mortgage #lending

NEWS SOURCE: Cloudvirga Inc.


This press release was issued on behalf of the news source (Cloudvirga Inc.), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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Baryons Secures $2.2M Seed Round to Bring Human Flourishing to the Masses with Free Version Available Today

JOHNSTOWN, Pa., Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Baryons today announced the close of a $2.2 million Seed Round led by Blue Ash Ventures to fuel its mission of making human flourishing accessible to everyone. Anyone can start flourishing today for free at Baryons.com.

Left to right: Michael Hruska, CEO of Baryons; Aaron Bare, CSO of Baryons
Image caption: Left to right: Michael Hruska, CEO of Baryons; Aaron Bare, CSO of Baryons.

“Flourishing is humankind’s oldest quest. It simply means living well,” said Michael Hruska, CEO and Cofounder of Baryons. “Baryons the ‘Flourishing Partner’ helps the user design what’s next. Baryons listens, advises, and nudges you toward your future best self. We’re pairing timeless human practices with adaptive technology so people and organizations can collectively flourish.”

There’s no shortage of productivity hacks and mental health apps, but Baryons is introducing something entirely new: the world’s first Flourishing Partner.

The need is clear. The Global Flourishing Study (a five-year project tracking 200,000 people across 22 countries) found that what people want most is not material comfort, but lives filled with meaning, connection, and growth. Baryons exists to meet that universal demand.

THE CASE FOR FLOURISHING

According to Harvard research, employees who report higher levels of flourishing are far more likely to stay with their employer and dramatically less likely to burn out. Yet fewer than one in four workers say they are truly flourishing at work.

That gap between surviving and truly living has massive economic implications. The World Health Organization estimates that depression and anxiety cost the global economy $1 trillion each year in lost productivity, with more than 12 billion workdays lost annually. For every dollar invested in mental well-being, studies show a return of up to four to five times through improved performance, retention, and engagement.

Baryons, The Flourishing Partner
Image caption: Baryons, The Flourishing Partner.

And the opportunity is far greater still. Research by the McKinsey Health Institute, in collaboration with the World Economic Forum, suggests that improving employee health and well-being could unlock as much as $11.7 trillion in global economic value, a potential transformation economists now call the rise of Brain Capital.

Baryons is closing that gap by transforming flourishing into a visible, measurable practice. Every interaction strengthens what matters most: clarity, confidence, and curiosity. The result is compounding growth that builds flourishing humans, flourishing teams, and flourishing companies.

Built to help people live well and lead better, Baryons is defining and scaling the emerging Mental Wealth market.

MOVING BEYOND MENTAL HEALTH TOWARD MENTAL WEALTH

The current mental health market is crowded with reactive solutions that focus on symptoms. Mental Wealth is different. Mental Wealth is proactive and strengthens core human potential through positive emotions, engagement, relationships, meaning, and achievement so that individuals and organizations can thrive in an era of rapid change.

“For too long, the ability to live well and thrive has been treated as a privilege for the few,” said Aaron Bare, Cofounder and Chief Strategy Officer of Baryons. “Baryons is changing that. Our vision is to unlock Mental Wealth for humanity. With this investment, we are expanding access to our world-first Flourishing Partner and committing to keep a free version available to everyone, forever.”

WHY BLUE ASH VENTURES INVESTED

Blue Ash Ventures, a leader in the emerging Brain Capital Economy, is backing Baryons to accelerate this shift. Their Brain Health Matrix—already piloted with global institutions and set to debut at the World Economic Forum in Davos in 2026—aligns directly with Baryons’ mission.

“Baryons is marrying neuroscience, technology, and human potential into a movement for flourishing,” said Steve Carnevale, Managing Partner at Blue Ash Ventures. “By helping individuals flourish, Baryons drives collective flourishing, unlocking measurable gains in engagement, trust, and innovation across entire organizations.”

THE BARYONS EXPERIENCE

Baryons is the Flourishing Partner that helps you design what’s next. It listens, remembers, and nudges you toward your future best self. Every conversation strengthens clarity, confidence, and curiosity; transforming flourishing from an abstract ideal into a visible practice and a competitive strategy.

With enterprise pilots underway, a freemium model, and measurable results already emerging, Baryons is poised to define the future of human flourishing. This seed funding accelerates product innovation, customer success, and flourishing accessibility, bringing Mental Wealth to more people, faster.

ABOUT BLUE ASH VENTURES

Blue Ash Ventures invests in solutions that expand human potential. Their portfolio spans mental wellness, learning science, emotional intelligence, and systems that support brain health. Anchored by the Sparc Foundation, their work bridges research and real-world implementation, aligning capital with the science of thriving individuals and organizations. Learn more: https://www.blueashventures.com/.

ABOUT BARYONS

Baryons is pioneering the world’s first Flourishing Partner, a platform powered by neuroscience and human-centered design that helps people and organizations unlock Mental Wealth. By turning flourishing into a measurable and scalable practice, Baryons transforms the way humans live, lead, and grow. Accessible to everyone, everywhere, Baryons is redefining well-being as both a universal right and the next great competitive advantage. Learn more: https://baryons.com/.

NEWS SOURCE: Baryons Inc.


This press release was issued on behalf of the news source (Baryons Inc.), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

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Legacy Dental Integrates Advanced AI Tools to Elevate Patient Care and Clinical Precision

SALT LAKE CITY, Utah, Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Legacy Dental today announced the full integration of cutting-edge artificial intelligence (AI) technologies into its clinical and patient‑communication workflows. By adopting a curated suite of AI tools, Legacy Dental is improving diagnostic accuracy, streamlining treatment planning, and enhancing the overall patient experience while maintaining the highest standards of clinical oversight and data privacy.

Legacy Dental is a leading dental practice located in Salt Lake City,
Image caption: Team at Legacy Dental.

“Bringing AI into our practice allows us to pair compassionate, patient‑centered care with powerful digital capabilities,” said Dr. Jonathan Campbell, DDS. “These tools augment our clinical judgment, shorten appointment times, and help patients better understand their care — all without replacing the expertise of our licensed team.”

AI TOOLS NOW IN USE AT LEGACY DENTAL

  • Videa — Videa’s AI radiographic analysis aids clinicians by flagging potential findings on X‑rays and CBCT scans for faster review. Integrating Videa into the diagnostic workflow supports earlier intervention and more confident treatment plans.
  • SmileCloud — SmileCloud produces lifelike treatment simulations and streamlines collaboration with dental laboratories and specialists. The platform’s digital visualizations help patients see expected outcomes earlier in the process, improving informed consent and treatment acceptance.
  • Freed — Freed’s AI medical‑scribe produces accurate, real‑time clinical notes during visits so our dentists can maintain full attention on our patients. With the scribe capturing exam findings, treatment discussions, consent details, and next‑steps, visits feel more personal and less interrupted by data entry. The result is clearer documentation of patient preferences and care plans, faster post‑visit follow‑up, and fewer administrative errors—helping patients feel heard, reducing repeat questions, and improving continuity of care.
  • Hello Annie — Annie AI automates appointment reminders, pre‑op and post‑op instructions, and follow‑up messaging to improve adherence and reduce no‑shows. The virtual assistant frees staff to focus on high‑value patient interactions and enhances continuity of care.

PATIENT BENEFITS

  • Faster, clearer diagnoses supported by AI‑assisted image review.
  • Visual treatment simulations that improve understanding and decision‑making.
  • Reduced administrative burden and shorter visits through automation.
  • Consistent, personalized communications that improve compliance and outcomes.

Legacy Dental emphasizes that AI tools are adjuncts — not replacements — for licensed clinical judgment. All diagnoses and treatment decisions are made or approved by trained dentists and hygienists. Legacy Dental adheres to strict privacy and security practices, ensuring that patient data used in AI workflows is protected and handled in accordance with applicable laws and professional guidelines. Patients are informed about the ways digital tools support their care and may ask questions or opt out of specific services.

For more information about dental treatment options, or to schedule a consultation, please visit legacydental.com or call (801) 278-4223.

Legacy Dental invites the community to take the first step toward better oral health and overall wellness.

ABOUT LEGACY DENTAL

Legacy Dental is a leading dental practice located in Salt Lake City, dedicated to providing high-quality dental care in a comfortable and welcoming environment. With a focus on innovative treatments and patient-centered care, Legacy Dental strives to enhance the smiles and health of its community. The practice offers a wide range of services, from routine dental check-ups to advanced restorative and cosmetic procedures, ensuring that every patient receives the care they deserve.

For more information about Legacy Dental and its services, visit https://legacydental.com/.

Hours of operation: Monday through Thursday from 8 am to 8 pm; Friday from 8 am to 5 pm; and Saturday from 8 am to 2 pm.

NEWS SOURCE: Legacy Dental


This press release was issued on behalf of the news source (Legacy Dental), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/legacy-dental-integrates-advanced-ai-tools-to-elevate-patient-care-and-clinical-precision/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130127 NOREL-3B

 

Cisdem Upgrades its Video Converter with AI Enhancer: Turn Blurry Video into 4K Quality

NEW YORK, N.Y. and HONG KONG, Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Cisdem has released a significant update to its popular Video Converter, introducing AI-powered video upscaling and intelligent noise reduction. The new version boosts video resolution to 4K/8K while making footage cleaner in the AI module. It also adds support for preserving source-quality audio in the conversion module and delivers underlying optimizations for smarter, more reliable performance.

Cisdem Upgrades Video Converter with AI Enhancer: Turn Blurry Video into 4K Quality
Image caption: Cisdem Upgrades Video Converter with AI Enhancer: Turn Blurry Video into 4K Quality.

MEET CISDEM VIDEO CONVERTER

Cisdem Video Converter is an all-in-one yet easy-to-use media file processing tool to enhance, convert, edit, compress, merge, and play videos on Windows and Mac. The app includes 5 modules to ensure that every frame is finely enhanced, each supporting fast batch processing except for the AI module. Before enhancement, users can also trim, crop, rotate, add chapters, subtitles, and watermarks to the video.

BEHIND THE SCENES OF THIS UPGRADE

“Adding the AI module was simple in purpose – to make video enhancement accessible to everyone,” said Jeffrey Berry, Project Lead of Cisdem Video Converter. “Some of our users, especially older adults, struggled with vintage pixelated videos. So instead of complicating the technology, we focused on one-click enhancement to upscale blurry footage and remove video noise.”

He added: “The R&D and QA teams tested hundreds of video samples together to strike a balance between quality and processing speed. Finally, we succeeded in embedding a simple and professional AI model for Video Converter.”

WHAT’S NEW IN CISDEM VIDEO CONVERTER

  1. AI Video Upscaler
    Two model types are available to intelligently enhance details in old, low-quality videos and maintain smooth motion in animated content. Choose from 1x (original), 2x, or 4x resolution upscaling as needed.
  2. AI Video Noise Remover
    The advanced AI-driven noise reduction algorithm effectively removes video flaws such as clearing grain, reducing flicker in low light, and fixing compression artifacts.
  3. Quick Preview
    Preview AI-enhanced video before final export. Intuitively compare the differences between the original and processed videos, with the ability to zoom in to see details.
  4. Format Options in the AI Module
    Videos processed by AI can be saved in MP4 (universal), MOV (Apple-friendly), or WebM (web-optimized). Users can pick an appropriate format based on different use cases.
  5. Preserve the Original Audio Quality
    In the conversion module, the “Same as source” output option is provided for common audio formats, which maintains the original parameters and avoids quality loss.

Learn more: https://www.cisdem.com/video-converter.html

COMPATIBILITY AND PRICE

Cisdem Video Converter works with Windows 11/10/8/7 (64-bit) and macOS 10.15 or later. Pricing starts at $49.99/year and $69.99/lifetime.

Users can download and try Cisdem Video Converter for free.

Windows version: https://download.cisdem.com/cisdem-videoconverter.exe

Mac version: https://download.cisdem.com/cisdem-videoconverter.dmg

ABOUT CISDEM

Since 2014, Cisdem has created multiple innovative and highly efficient software in the fields of Utility Tools, Multimedia Studio, and PDF Solutions. Cisdem apps, known for simple and user-oriented design, have been used by individual and business users in more than 160 countries.

Learn more: https://www.cisdem.com/.

YouTube: https://www.youtube.com/@CisdemInc/

X: https://x.com/CisdemStudio

Facebook: https://www.facebook.com/cisdemsoftware

Instagram: https://www.instagram.com/cisdem_official/

NEWS SOURCE: Cisdem Inc


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Optimal Blue report: Rate rally drives 28% surge in September lock volumes

Affordability gains fuel with biggest refi wave since early 2022, MSR values dip and securitization trends point to rising large-lender market share

PLANO, Texas, Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released its September 2025 Market Advantage mortgage data report, which showed a sharp increase in rate-lock activity as mortgage rates fell throughout the month to their lowest levels in nearly a year. Total lock volume rose 28% month over month (MoM), led by a surge in refinance lending as borrowers seized on the opportunity to lower monthly payments. Purchases also climbed 6% MoM, outperforming typical seasonal trends as improved affordability brought more buyers into the market.

Optimal Blue's September 2025 Market Advantage mortgage data report
Image caption: Image caption: Optimal Blue’s September 2025 Market Advantage mortgage data report.

“The rate rally that began in late summer accelerated in September, and borrowers reacted quickly,” said Mike Vough, head of corporate strategy at Optimal Blue. “Rate-and-term refinance locks jumped 153% month over month, lifting total refi share to 39% – the highest level we’ve seen in more than two years. That momentum also spilled into purchase lending as affordability improved, particularly for first-time homebuyers.”

The Optimal Blue Mortgage Market Indices (OBMMI) 30-year conforming fixed rate, the benchmark for CME Group’s Mortgage Rate futures, ended September at 6.32%, down 18 basis points (bps) from August. Jumbo rates dropped 11 bps to 6.47%, FHA fell 18 bps to 6.08% and VA declined 18 bps to 5.82%, reinforcing the broader affordability shift seen across loan types.

The report also highlighted notable movements in capital markets execution. Sales to the agency cash window and aggregators each fell 100 bps to 23% and 32% respectively, while agency mortgage-backed security (MBS) executions increased to 42% from 40%, reflecting stronger securitization activity among large lenders. The share of loans sold at the highest pricing tier climbed to 78%, up 300 bps, suggesting less focus on delivery profiles and fewer eligibility exceptions influenced pricing decisions.

“This combination of stronger pricing and greater securitization participation underscores lenders’ efforts to optimize execution as volume rebounds while maintaining profitability,” Vough said. “Even as MSR values edged down 6 bps in September, nearly eight in ten loans were sold at the highest pricing tier, showing how lenders are offsetting that compression through broader investor engagement.”

Key findings from the Market Advantage report, derived from direct-source mortgage lock and secondary market data, include:

Volume trends and market composition

  • Lock activity jumps: Total rate-lock volume increased 28% in September as falling rates reignited borrower demand.
  • Purchase volume rises: Purchase locks climbed 6% MoM and 9% year over year (YoY), outperforming typical late-season expectations.
  • Refinances dominate growth: Refi share expanded to 39% of all locks – the highest since early 2022 – driven by a 153% MoM increase in rate-and-term refinances and a 13% gain in cash-outs.
  • Refi pull-through improves: The pull-through rate for purchases climbed 58 bps to 83.6%. Refinance pull-through rose 82 bps to 60.2%.

Rates and pricing

  • Rates retreat across loan types: The OBMMI 30-year conforming fixed rate fell 18 bps to 6.32%. Jumbo rates dropped 11 bps to 6.47%, FHA loan rates fell 18 bps to 6.08% and VA loan rates declined 18 bps to 5.82%.
  • MSR valuations ease: Servicing values for conforming 30-year loans slipped 6 bps to 1.09% (a 4.36 multiple), mirroring rate declines and an average 30 bps drop in OBMMI levels across the month.
  • Lenders capture stronger execution: The share of loans sold at the highest pricing tier climbed to 78%, up 300 bps from August, signaling decreased focus on lender profile and eligibility and stronger focus on improved profitability.

Channel and execution

  • Securitization strengthens: Agency MBS executions increased to 42% from 40%, while deliveries to the agency cash window and aggregators fell 100 bps each to 23% and 32%, respectively.
  • Investor engagement steady: The average number of active investors held at 11, consistent with recent months as secondary market liquidity remained stable.

Product mix and borrower profiles

  • Conforming and VA gain share: Conforming and VA each picked up just over 1 percentage point of market share as borrowers in those segments moved quickly to refinance.
  • Credit profiles strengthen in refis: Average credit scores rose to 746 (up 9 points) for rate-and-term refinances and to 701 (up 7 points) for cash-outs as higher-credit borrowers responded first to lower rates.
  • DTI trends lower: Debt-to-income ratios declined for both conforming and FHA production and were down across all products YoY, signaling improving affordability.
  • FTHB participation increases: First-time homebuyer share rose in both FHA and VA production – up 1 bp each – while conforming was unchanged.
  • Loan amounts edge higher: The average loan amount was $403,746, up from $386,387 in August and $382,476 in July. September averages ranged from $605,542 in metro New York to $305,829 in Indianapolis. Average LTVs ranged from 73.57 in New York to 82.22 in Indianapolis.

To view the full September 2025 Market Advantage report, subscribe for free: https://engage.optimalblue.com/market-advantage. Subscribers receive a report PDF each month with the latest data. Members of the press are eligible for special, advance access each month and should contact Olivia DeLancey to be added to the media list.

This month’s Market Advantage podcast features Andria Lightfoot, vice president of client success at FirstClose. Access the podcast: https://market-advantage.captivate.fm/episode/episode-13.

About the Market Advantage Report

Optimal Blue issues the Market Advantage mortgage report each month to provide transparency and insight into U.S. mortgage trends and drivers of lending profitability. Data is sourced from the Optimal Blue PPE, which is used to price and lock more than one-third of all mortgages nationwide, and Optimal Blue’s hedging and loan trading system, which supports approximately 40% of loans hedged and sold into the secondary market. As the leader in mortgage capital markets technology, Optimal Blue has a direct view of both origination and secondary market activity and the interconnectedness of the two. Unlike self-reported survey data, Optimal Blue’s direct-source data accurately reflect the in-process loans in lenders’ pipelines and secondary market executions. Visit Optimal Blue’s website to subscribe to receive the free report each month.

Nothing herein shall be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.

About Optimal Blue

Optimal Blue powers profitability across the mortgage capital markets ecosystem. As the industry’s only end-to-end capital markets platform, our technology, data and integrations bridge the primary and secondary markets to help lenders of all sizes maximize performance – from pricing transparency and accuracy to margin protection and every step in between. Backed by over 20 years of proven expertise, our modern, cloud-native technology delivers the real-time automation, actionable data and seamless connectivity lenders need to navigate market volatility and scale for growth. To learn more about how Optimal Blue delivers measurable ROI, visit OptimalBlue.com.

MUILTIMEDIA:

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Image caption: Optimal Blue’s September 2025 Market Advantage mortgage data report.

NEWS SOURCE: Optimal Blue


This press release was issued on behalf of the news source (Optimal Blue), who is solely responsible for its accuracy, by Send2Press Newswire. Image, if any, was provided by the news source and not this website or the wire service. Information is believed accurate, as provided by the news source, but is not guaranteed.

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-report-rate-rally-drives-28-surge-in-september-lock-volumes/

Copr. © 2025 Send2Press® Newswire, Calif., USA. -- REF: S2P STORY ID: S2P130114 NOREL-3B