Tag Archives: Mortgage

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/

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Ardley Launches Recapture Platform for Cenlar Clients

Subservicer's mortgage lender clients benefit from improved customer engagement and increased borrower retention

RESTON, Va., Oct. 24, 2025 (SEND2PRESS NEWSWIRE) — Ardley, a leading provider of mortgage portfolio analytics and borrower engagement solutions, today announced a strategic service offering to support clients of Cenlar, the nation’s leading mortgage subservicer. This collaboration introduces an Ardley recapture and refinance intelligence platform for Cenlar’s clients.

Ardley Technologies, Inc. - Actionable Data Intelligence
Image caption: Ardley Technologies, Inc.

“Working with Ardley offers a solution that solves a big challenge for our clients…retaining the customers in a rapidly changing interest rate environment. That’s something they can’t get anywhere else,” said Andrew Pohlmann, SVP Business Develop at Cenlar. “As the nation’s leading subservicer, that’s a big part of our success model: offering services and benefits that our clients can’t get elsewhere. We’re thrilled to facilitate this opportunity with Ardley.”

Through this service offering, Cenlar clients now have access to Ardley Intelligence, the technology platform that can parse entire portfolios, match each borrower against the lender’s unique loan programs and real time pricing, and identify qualified borrowers based on the borrower’s specific financial criteria. The result is a list of all qualified borrowers in the company’s portfolio, matched to the specific loan programs for which they qualify, along with the financial benefit of each — in just minutes.

Ardley then delivers the information to each consumer in an actionable, easy to understand format, enabling Cenlar clients to:

  • Identify refinance and recapture opportunities with greater accuracy, faster
  • Understand borrower behavior in real time
  • Equip their sales and marketing teams to engage consumers and retain mortgage borrowers more effectively

“Cenlar became a market leader by going above and beyond to solve their clients’ most costly challenges, opening up new ways to increase revenue, and elevating customer service,” said Nathan Den Herder, CEO of Ardley. “We’re excited to aid Cenlar’s quest to continually improve the services available to its clients by providing them with one more industry-leading differentiator.”

About Ardley Technologies, Inc.

Ardley is an enterprise-class software platform that removes friction for mortgage servicers, originators, and borrowers. Other Ardley services include Ardley Advantage, which identifies, structures, and delivers loan offers directly to borrowers via Navigator (borrower-driven loans) and Autopilot (automated underwriting). Its broad portfolio leverages AI-powered forecasting and engagement tools to help lenders capture opportunities across all rate cycles. For more information, please visit https://ardley.com/.

About Cenlar FSB

Cenlar is the industry’s premier mortgage subservicer and a federally chartered commercial bank, trusted to manage millions of loans across all 50 states and U.S. territories. Serving a diverse portfolio of banks, credit unions, and mortgage bankers, we deliver a homeowner experience rooted in care, innovation, and excellence. As an extension of our clients’ businesses, we simplify the complexities of mortgage servicing through expert teams, pioneering AI-driven solutions, and flexible, high-quality processes.

Leveraging deep mortgage expertise and banking capabilities, Cenlar offers value-added programs to support our clients, with scalable liquidity solutions that include a home equity loan purchase program. Headquartered in Ewing, NJ, with employees nationwide, Cenlar is industry-rated and regularly audited by independent third parties.

NEWS SOURCE: Ardley Technologies Inc


This press release was issued on behalf of the news source (Ardley Technologies 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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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.

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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.

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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


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.

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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


This press release was issued on behalf of the news source (LenderLogix), 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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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.


This press release was issued on behalf of the news source (DocMagic, 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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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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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/

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Argyle expands income verification with AIM Check integrated Doc VOI

Automated, document-based income analysis streamlines verification waterfalls-cutting costs and helping lenders determine eligibility for Freddie Mac representation and warranty relief related to income calculation

NEW YORK CITY, N.Y., Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Argyle, the leading provider of direct-source income, employment and asset verifications, today announced the launch of Doc VOI, a new paystub and W-2 based income verification report integrated with Freddie Mac’s AIM Check API. Lenders are cutting costs and gaining fast, automated income verifications from uploaded paystubs and W-2s when direct payroll or banking connections are not available. The launch also helps mortgage lenders unlock rep and warrant (R&W) relief from Freddie Mac on income calculations derived from documents.

argyle logo
Image caption: Argyle.

Argyle can retrieve paystubs and W-2s directly from the eFolder within ICE Mortgage Technology’s Encompass® loan origination system and through the Argyle API for lenders with proprietary systems. Doc VOI then uses optical character recognition (OCR) technology to extract key income data and submits that data to Freddie Mac’s Loan Product Advisor® (LPA®) AIM Check for assessment. Within minutes, Argyle returns the automated income assessment results in a clear, structured report delivered directly into the LOS. Doc VOI provides visibility into an applicant’s AIM-eligible income earlier in the loan origination process without waiting for a full LPA submission or resorting to traditional manual reviews.

Key benefits of Argyle’s Doc VOI include:

  • Reduced cost by minimizing reliance on legacy providers: Lenders can shift away from expensive, static database solutions and instead access more timely, dynamic income data.
  • R&W relief eligibility on more loans: By enabling document-based verifications that would otherwise be handled manually, Doc VOI increases the share of loans assessed by LPA for eligibility of R&W relief.
  • Faster loan decisions through higher-quality data: Early income assessments accelerate underwriting by equipping lenders with verified income data sooner in the process while supporting cleaner automated underwriting system (AUS) submissions.
  • Improved operational efficiency: Automating document-based income analysis reduces manual reviews, freeing up teams to focus on higher-value activities.

“Working with Argyle has helped us streamline verifications for both our team and our borrowers. Including Doc VOI in our verification process gives us confidence that we can quickly qualify borrowers using documents when needed. This flexibility ensures a smooth borrower experience and supports timely processing,” said Cindy Keith, chief strategy officer at NFM Lending.

“Argyle’s Doc VOI integrated with Freddie Mac’s AIM Check enables mortgage lenders to maximize their verification waterfall,” said Brian Geary, COO of Argyle. “By combining payroll, banking and docs, Argyle enables customers to run their entire waterfall through one provider, driving more qualifications, less manual work, and higher conversion.”

Doc VOI complements Argyle’s direct-source payroll and banking verification solutions (VOIE, VOE, VOA), which are also integrated with Freddie Mac’s Loan Product Advisor AIM as well as with Fannie Mae’s Desktop Underwriter® validation service, a component of Day 1 Certainty®. Together, these capabilities provide comprehensive coverage across applicant profiles, giving providers more tools to meet GSE eligibility requirements and improve the applicant experience.

To learn more about Argyle’s verification platform, including Doc VOI, VOIE, and VOA, visit https://argyle.com or contact sales@argyle.com.

ICE APIs enable the integration of key third-party products and services with ICE mortgage technology solutions. ICE does not own, control, nor endorse any specific industry participant or the product/service provided. Loan originators and servicers are responsible for vetting, selecting, and contracting with the providers of their choosing.

About Argyle:

Argyle is the leading provider of direct-source, consumer-permissioned income, employment and asset verifications, making it fast and easy to gain secure and reliable access to the most complete real-time datasets stored in consumers’ payroll and bank accounts. With Argyle, lenders automate verification workflows to save time, reduce fraud and compliance risks, lower costs and build better product experiences. As an authorized report supplier for Fannie Mae’s Desktop Underwriter® validation service and an approved service provider supporting Freddie Mac’s Loan Product Advisor® asset and income modeler (AIM), Argyle empowers mortgage lenders to auto-retrieve paystubs and W-2s, understand consumers’ ability to pay and improve loan quality—all at up to 80% less cost. Named one of America’s Best Startup Employers of 2025 by Forbes, Argyle serves the mortgage, personal lending, tenant screening, government benefits and background check industries as well as the gig economy.

Providers can explore Argyle’s verification platform, including Doc VOI, VOIE and VOA, at argyle.com to schedule a demo.

Tags: @withArgyle #fintech #digitalmortgage

NEWS SOURCE: Argyle


This press release was issued on behalf of the news source (Argyle), 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/argyle-expands-income-verification-with-aim-check-integrated-doc-voi/

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Floify launches Dynamic AI: embedded intelligence that elevates the mortgage POS experience

Live demo scheduled during MBA Annual's Hub Stage Tech Showcase, Monday, Oct. 20, at approximately 3:25 p.m.

BOULDER, Colo., Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Floify, the mortgage industry’s leading point-of-sale (POS) solution, today announced the launch of Dynamic AI, a new capability that reimagines the mortgage application process by moving document collection and AI-driven data extraction to the very beginning of the process.

Floify logo
Image caption: Floify launches Dynamic AI: embedded intelligence that elevates the mortgage POS experience.

Instead of answering lengthy questionnaires, borrowers simply upload their key documents — like pay stubs, W-2s, and IDs — and Floify’s embedded AI extracts and validates the data automatically. The application then prepopulates with verified information before a single question is asked, reducing manual data entry for loan officers and streamlining the application completion process.

Because Dynamic AI is built into Floify’s proven POS platform, lenders can leverage its capabilities without the risk or disruption that often accompanies integrating entirely new systems. The platform connects with leading LOSs, CRMs, pricing engines, automated underwriting systems, verification services and credit providers to create a more seamless, intelligent workflow from application to approval.

Embedding AI directly within the POS enhances the borrower experience from the very first interaction. Instead of juggling multiple portals or duplicating requests, borrowers can securely upload documents, view key details prepopulated and complete tasks in minutes. With much of the data collection and validation handled upfront, lenders can issue pre-approvals more quickly and borrowers can move confidently toward closing.

“By integrating AI where borrowers begin their journey — in the POS — Floify eliminates the need for multiple portals or disconnected systems,” said Sydney Barber, Head of Product at Floify. “Borrowers can securely upload documents, see key details autofilled and complete essential tasks in minutes. For loan officers, this means faster verifications, pre-approvals ready for same-day use, and more time spent advising clients instead of managing files.”

“Borrowers want trusted guidance and simplicity when making one of the biggest financial decisions of their lives,” said Joshua Steffan, SVP and Group General Manager at Porch Group and Interim President and General Manager of Floify. “Dynamic AI enhances the process at every step, helping lenders deliver faster, clearer outcomes with confidence.”

Floify will debut Dynamic AI live at the MBA Annual Convention & Expo in Las Vegas, during the Hub Stage Tech Showcase at the Fontainebleau on Monday, October 20, at approximately 3:25 p.m. The feature will also be available for hands-on exploration in the Floify booth throughout the event, Oct. 19-22.

About Floify:

Floify is a digital mortgage automation solution that streamlines the loan process by providing a secure application, communication and document portal between lenders, borrowers, referral partners, and other mortgage stakeholders. Loan originators use the platform to create product-specific applications (no coding required!), collect and verify borrower documentation, track loan progress, communicate with borrowers and real estate agents and close loans faster. The company is based in Boulder, Colorado and is a subsidiary of Porch Group, Inc. (“Porch Group”) (NASDAQ: PRCH). For more information, visit the company’s website at https://floify.com/ or on social media at Facebook, LinkedIn, or Twitter / X.

X: @Floify #mortgage #fintech #housingfinance @MBAMortgage #MBAAnnual25

NEWS SOURCE: Floify


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ALCOVA Mortgage partners with Down Payment Resource to expand access to homeownership

Collaboration equips ALCOVA loan officers with real-time tools to connect more homebuyers to programs that reduce upfront costs and ease affordability challenges

ATLANTA, Ga., Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Down Payment Resource (DPR), the housing industry’s leading technology for connecting homebuyers with homebuyer assistance programs, announced today that it has partnered with ALCOVA Mortgage to expand access to down payment assistance (DPA) programs for homebuyers. The collaboration will help ALCOVA’s loan officers match borrowers with available programs more easily, addressing one of the biggest challenges in today’s housing market, namely affordability.

Down Payment Resource and Alcova Mortgage
Image caption: ALCOVA Mortgage partners with Down Payment Resource to expand access to homeownership.

Founded in 2003, ALCOVA Mortgage is a full-service independent mortgage company headquartered in Roanoke, Virginia, with a mission to simplify the mortgage process and guide borrowers through every step of homeownership. ALCOVA has grown steadily across multiple states, building its reputation on customer service, community involvement and innovative mortgage solutions.

Each month, the team at DPR communicates with 1,300+ providers across the country to update eligibility and benefit criteria of the more than 2,250 programs it tracks. All 3,143 U.S. counties have at least one DPA program, and 2,000+ counties have 10+ programs. The average DPA benefit of programs being tracked by DPR is $18,000. On average, DPA can lower an applicant’s LTV by an average 6%.

The integration of DPR into ALCOVA’s lending platform equips loan officers with immediate visibility into assistance programs, streamlining the process for both staff and borrowers. This partnership reflects both companies’ commitment to expanding homeownership opportunities and helping families achieve their dream of owning a home.

“With affordability challenges continuing to impact borrowers, down payments remain one of the biggest hurdles to homeownership,” said Nikki Dickens, senior vice president of training and product development at ALCOVA Mortgage. “Down Payment Resource makes it easy to match a borrower to potential down payment options. Having such an up-to-date, robust resource at the fingertips of both our sales and operations teams has been a godsend to me as someone who develops our loan programs internally.”

“We’re thrilled to partner with ALCOVA Mortgage to ensure that more buyers can access the down payment help available to them,” said Rob Chrane, founder and CEO of Down Payment Resource. “Together, we’re giving loan officers the tools they need to open the door to homeownership for more families.”

About ALCOVA Mortgage:

Childhood friends Bobby Nicely, Billy Siple and Rob Lindstrom shared a vision of building something meaningful, inspired by their roots in Alleghany County, Virginia. As a result, this dream led to the founding of ALCOVA Mortgage in 2003. In 2012, ALCOVA Mortgage achieved a significant milestone by being recognized on the prestigious Inc. 5000 list of the fastest-growing private companies in America. ALCOVA Mortgage had an annual revenue of approximately $75 million as of August 2025 and employs 485 people. For more information, visit https://alcova.com/.

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 2,550 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/.

Twitter: @DwnPmtResource @AlcovaMortgage #downpaymentassistance #downpayment

NEWS SOURCE: Down Payment Resource


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Dark Matter Technologies enhances its Empower LOS with full-scale eClosing capabilities

Integration with Wolters Kluwer technology delivers streamlined, secure and fully digital mortgage closings

JACKSONVILLE, Fla., Oct. 14, 2025 (SEND2PRESS NEWSWIRE) — Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced the expansion of the Empower® loan origination system (LOS) to include comprehensive eClosing capabilities by integrating Wolters Kluwer’s eOriginal® ClosingCenter and eOriginal eAsset® Management Platform. The enhanced integration provides a fully digital mortgage closing experience, supporting every eClosing scenario from hybrid and in-person electronic notarization (IPEN) to complete remote online notarization (RON), and streamlines the process from pre-closing through secondary market delivery.

Dark Matter Technologies and Wolters Kluwer
Image caption: Dark Matter Technologies enhances its Empower LOS with full-scale eClosing capabilities.

With the integration of eOriginal ClosingCenter, the Empower LOS users can manage secure document review and eSignature execution in a centralized eClosing room. Borrowers benefit from the ability to review and sign documents ahead of time, while lenders and settlement agents can coordinate closings more efficiently, whether executed remotely or in person. The solution includes access to a built-in eNotary Hub that connects users to top RON and IPEN providers such as Proof, NotaryCam and EscrowTab, giving settlement agents and title partners the flexibility to use their preferred platform.

The eOriginal eAsset Management Platform enables Empower LOS users to seamlessly create, execute, register, and manage eNotes through the MERS® eRegistry. It securely stores all executed documents in its eVault, ensuring legal compliance, secondary market readiness, faster loan funding, enhanced data security and improved auditability.

“This is about giving lenders a true digital edge,” said Sean Dugan, CEO of Dark Matter Technologies. “Empower’s new eClosing integration makes it possible for lenders to reduce closing times, streamline operations and enhance the borrower experience, all while ensuring compliance and accelerating the delivery of digital assets to the secondary market.”

This combination of solutions, paired with Empower LOS’s longstanding integration with the Wolters Kluwer Expere platform for dynamic, compliant document generation, provides users with a modern, scalable eClosing solution that reduces cost, risk and operational friction across the mortgage lifecycle. Lenders, borrowers and settlement agents can now rely on a unified platform to deliver faster, more flexible, future-ready closings.

“We’re thrilled to deepen our collaboration with Dark Matter by integrating Wolters Kluwer’s eClosing capabilities into the Empower loan origination system,” said Shreya Shankar, Vice President, Partnerships, Wolters Kluwer Financial & Corporate Compliance. “Together, we are advancing the financial services industry’s transition to a fully digital future and helping lenders elevate borrower satisfaction, drive revenue growth, streamline operations, and unlock new opportunities in the secondary market.”

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 www.dmatter.com.

About Wolters Kluwer:

Wolters Kluwer (EURONEXT: WKL) is a global leader in information, software solutions and services for professionals in healthcare; tax and accounting; financial and corporate compliance; legal and regulatory; corporate performance and ESG. We help our customers make critical decisions every day by providing expert solutions that combine deep domain knowledge with technology and services.

Wolters Kluwer reported 2024 annual revenues of €5.9 billion. The group serves customers in over 180 countries, maintains operations in over 40 countries, and employs approximately 21,600 people worldwide. The company is headquartered in Alphen aan den Rijn, the Netherlands.

For information about Wolters Kluwer Financial & Corporate Compliance, visit www.wolterskluwer.com/en/about-us/organization/financial-and-corporate-compliance, and follow the division on LinkedIn.

X: @dmattertech #fintech #mortgage

NEWS SOURCE: Dark Matter Technologies


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Friday Harbor puts lenders in control with underwriting overlays in its AI Originator Assistant

New overlays feature ensures every loan file reflects lender policies and investor requirements from the start

SEATTLE, Wash., Oct. 13, 2025 (SEND2PRESS NEWSWIRE) — Friday Harbor, an AI-powered platform that helps loan officers assemble complete and compliant loan files in real time, today announced that its AI Originator Assistant can now evaluate loan files against not only baseline program guidelines, but also the lender and investor overlays that ultimately shape salability and risk. By embedding these requirements directly into the workflow of frontline originators, the platform gives lenders greater control over credit quality and secondary market execution.

Friday Harbor logo
Image caption: Friday Harbor.

Overlays deliver value across business models. Lenders that sell primarily into the secondary market can improve flexibility and profitability by ensuring loans meet the requirements of multiple investors. Institutions that balance portfolio and securitized production can use overlays to align Friday Harbor with their in-house credit policies, fine-tune their credit box and apply risk standards consistently across the enterprise.

“Our new underwriting overlays feature gives lenders the ability to instantly encode their own judgment and policies into Friday Harbor,” said Theo Ellis, CEO and co-founder of Friday Harbor. “Whether the goal is to expand credit access, tighten controls or ensure loans are salable across multiple investors, overlays put that guidance directly in front of originators so every file starts out underwriting-ready.”

Overlay configurations can be used to tighten credit policies with more stringent documentation requirements or to widen credit boxes, for example by lowering minimum credit scores relative to GSE thresholds. Friday Harbor supports both lender overlays and investor overlays, giving originators immediate guidance to produce underwriting-ready files that reflect each lender’s credit policies and investor requirements from the start.

Unlike other systems that expect lenders to code in their own policies, Friday Harbor provides a white-glove service: lenders simply share their overlays with Friday Harbor, and the company’s team configures and maintains them free of charge. Overlays can be updated as often as needed to reflect changes in lender policies or investor requirements, ensuring they remain accurate and actionable without adding burden to lender staff.

“With overlays in Friday Harbor, every file our originators touch reflects the exact credit standards our secondary market partners expect,” said Robert Jewett, chief operating officer at NewFed Mortgage Corp. “That certainty improves our salability, reduces last-minute surprises and allows our team to focus more energy on serving borrowers instead of interpreting guidelines.”

Lenders can learn more about underwriting overlays in Friday Harbor or request a demo at https://fridayharbor.ai.

About Friday Harbor:

Friday Harbor is an AI-powered platform that helps loan officers assemble complete and compliant loan files in real time. The company combines deep fintech expertise with cutting-edge artificial intelligence to remove complexity, slash origination costs and deliver a better borrower experience. For more information, visit https://fridayharbor.ai/.

Tags: #mortgagetech #AI #fintech @FannieMae #income #selfemployed

NEWS SOURCE: Friday Harbor


This press release was issued on behalf of the news source (Friday Harbor), 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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NotaryCam’s eClose 360 platform supports MISMO’s SMART Doc v3 standard for electronic HELOCs

HOUSTON, Texas, Oct. 10, 2025 (SEND2PRESS NEWSWIRE) — NotaryCam®, a Stewart-owned company and a pioneering provider of remote online notarization (RON) and identity verification / authentication technology for real estate and legal transactions, today announced that its eClose360® platform is fully compatible with the Mortgage Industry Standards Maintenance Organization’s (MISMO) newly published SMART Doc® V3 standard for electronic home equity lines of credit (eHELOCs).

NotaryCam logo
Image caption: NotaryCam.

The MISMO eHELOC standard provides a common framework for originating, closing and servicing eHELOCs by defining the data, document structure and process requirements needed to create a SMART Doc® V3 file. It establishes consistent formats for key sections of a HELOC agreement—including agreement details, advance terms, interest terms, payment terms and closing costs—and maps the required fields to ensure interoperability between lenders, settlement service providers and investors.

NotaryCam’s eClose360 platform aligns with these requirements by enabling compliant remote online notarizations, automating document tagging and preparation to reduce errors, generating and managing eNotes through government-sponsored enterprise-approved vendors, and securely depositing and delivering completed eNotes via its integrated eVault. Together, these capabilities allow lenders to originate and close eHELOCs in full compliance with MISMO’s SMART Doc V3 specification while streamlining operations and enhancing borrower convenience.

“By ensuring our platform is compatible with MISMO’s eHELOC standard, we are enabling lenders and settlement partners to confidently bring digital mortgage innovation to the home equity market,” said Brian Webster, president and CEO of NotaryCam. “Our eClose360 platform delivers the consistency and compliance required for eHELOC originations while maintaining the speed, security and borrower-friendly experience lenders expect from modern closings.”

For more information on NotaryCam’s RON and eClosing services, visit https://www.notarycam.com/.

About NotaryCam, a Stewart Company

NotaryCam, a Stewart-owned company, is the leader in online notarization and mortgage eClosing solutions, having notarized documents worldwide for more than a million customers across the United States and more than 146 countries. The company’s eClose360® platform delivers the “perfect” online mortgage closing in every jurisdiction where RON is allowed and supports all eClosing scenarios with a flexible workflow for document recording and unparalleled identity verification, security and customer convenience. In addition to real estate transactions, NotaryCam provides RON services to many Fortune 500 companies as well as small and midsize businesses and includes employment and other documents allowed by law. The company also proudly maintains an industry-leading customer satisfaction rating and the highest Net Promotor Score (NPS) amongst the best global tech brands.

Visit https://www.notarycam.com/ for additional information or to get a document notarized today.

LOGO link for media: https://www.notarycam.com/wp-content/uploads/2025/03/NotaryCam-logo-rgb-2-768×216.png

NEWS SOURCE: NotaryCam Inc.


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U.S. mortgage loan originations to climb nearly 10% in 2026, iEmergent forecasts

New three-year outlook also sees dollar originations growing 13% to reach $2.27 trillion next year

DES MOINES, Iowa, Oct. 8, 2025 (SEND2PRESS NEWSWIRE) — iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced the availability of its 2025–2027 U.S. Mortgage Origination Forecast. The firm projects total originations will climb to $2.27 trillion in 2026, a 13% increase over 2025, as slowing economic growth and easing interest rates fuel a rebound in refinance activity alongside modest purchase gains.

Bar graph showing iEmergent's 3-year U.S. Mortgage Origination Forecast for 2025-2027 by loan count/units.
Image caption: Bar graph showing iEmergent’s 3-year U.S. Mortgage Origination Forecast for 2025-2027 by loan count/units.

According to iEmergent Chief of Forecasting Mark Watson, the 2026 outlook reflects a shifting economic landscape. As tariff impacts spread, consumer confidence wanes and the labor market cools, GDP growth is expected to slow further, setting the stage for lower interest rates and a modest housing recovery. Long-term interest rates are expected to rise slightly by the end of 2025 but fall again in 2026 as growth weakens. That drop should spur a rebound in refinances and lift overall mortgage originations.

  • 2025: Total mortgage origination volume is forecast to surpass $2 trillion for the first time since 2022, driven by a 48% jump in refinance dollars and 12% in purchase dollar gains, an overall 20% increase from 2024.
  • 2026: Total mortgage origination volume is projected to reach $2.27 trillion, a 13% increase from 2025. Refinance units are expected to grow 24% as lower rates boost activity, and a 2.3% increase in purchase units will help push total loan count up nearly 10% year-over-year.
  • 2027: Purchase activity is projected at 4.09 million loans totaling $1.56 trillion, while refinance units are expected to hold steady at 2.37 million, with dollars dipping slightly at $754 billion.

“Crossing back above $2 trillion in 2025 signals renewed strength in the mortgage market,” Watson said. “By 2026, lower rates and moderating home prices should support activity, though affordability challenges will persist—especially for first-time buyers.”

Bar graph showing iEmergent's 3-year U.S. Mortgage Origination Forecast for 2025-2027 by dollar volume.
Image caption: Bar graph showing iEmergent’s 3-year U.S. Mortgage Origination Forecast for 2025-2027 by dollar volume.

“These national trends tell an important story, but they don’t tell the whole story,” said Laird Nossuli, CEO of iEmergent. “Every market will experience the next wave of recovery differently. iEmergent’s data gives lenders visibility into those differences, so they can see how mortgage activity is expected to shift in specific markets, even down to the census-tract level.”

Read Mark Watson’s latest blog for more detailed analysis and commentary on the forecast.

Methodology

For more than two decades, iEmergent has been predicting mortgage market trends with a level of precision that surpasses even the industry’s most trusted forecasts from the Mortgage Bankers Association, Freddie Mac and Fannie Mae. In fact, in almost 70% of the nation’s 84,414 census tracts, iEmergent’s U.S. Mortgage Origination Forecast has proven accurate to within 10 loans.

iEmergent’s proprietary forecasting method is a hybrid of several traditional demand forecast models. Many variables go into these forecasts, but there are two fundamental elements: first, the Purchase Mortgage Generation Rate (PMGR), which is the rate at which an individual market produces purchase mortgages. Second, the homebuyer pool: the number of households that are ready, willing and able to buy a home. By evaluating the relationship between each census tract’s homebuyer pool and PMGR, probability theory can be applied to estimate the number of purchase mortgage loans and dollars that will be originated in that market.

Read more about iEmergent’s approach to forecasting here: https://www.iemergent.com/insights/mortgage-opportunity-forecasting

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

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

NEWS SOURCE: iEmergent


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Click n’ Close names mortgage industry veteran Ian Kimball as president

ADDISON, Texas, Oct. 8, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close, a multi-state mortgage lender, today announced the appointment of Ian Kimball as president. In this role, Kimball will oversee strategic growth initiatives, operational execution and market expansion, reporting to founder and CEO Jeff Bode.

Ian Kimball of Click n' Close
Image caption: Ian Kimball of Click n’ Close.

Kimball brings more than 25 years of leadership experience across strategy, sales, operations, technology, compliance and finance. Most recently, he served as executive director of strategy at Service First Mortgage, where he modernized enterprise technology, streamlined operations and led companywide initiatives to drive scalability and profitability. He previously held senior leadership roles at Caliber Home Loans, Bank of America Home Loans and Wells Fargo Home Mortgage, where he built high-performing sales organizations, drove national business development and executed large-scale transformation programs.

“Ian’s proven ability to scale organizations, modernize operations and forge strong partnerships will be instrumental as Click n’ Close enters its next phase of growth,” said Jeff Bode, CEO of Click n’ Close. “His forward-thinking leadership and deep industry knowledge are exactly what we need to continue delivering innovative solutions to our partners and borrowers.”

“I am honored to join Click n’ Close at such a pivotal time in the company’s journey,” Kimball said. “Jeff and the team have built a culture of innovation and resilience that has positioned the company as a leader in the industry. I look forward to building on that foundation to strengthen partnerships, expand our product offerings and continue helping more borrowers achieve homeownership.”

Kimball is a two-time FHFA Technology Sprint winner with expertise in capital markets, regulatory oversight and enterprise performance management. Known for building high-performance cultures and scalable infrastructures, he has also served as a trusted advisor to fintech firms on artificial intelligence (AI)-driven product development and digital transformation. Kimball earned a Bachelor of Arts in political science from the University of Minnesota Twin Cities.

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 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.

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Argyle’s Shelby Bohannon named to Mortgage Banker Magazine’s 2025 Powerful Women of Mortgage Banking list

Vice president of customer success honored for leadership in driving trusted partnerships nationwide

NEW YORK CITY, N.Y., Oct. 8, 2025 (SEND2PRESS NEWSWIRE) — Argyle, the leading provider of direct-source income, employment and asset verifications, today announced its vice president of customer success Shelby Bohannon has been honored as one of Mortgage Banker magazine’s 2025 Powerful Women of Mortgage Banking. The annual recognition series spotlights women who are making an impact in the mortgage industry and are fostering the next generation of women leaders in the profession.

Shelby Bohannon of Argyle
Image caption: Shelby Bohannon of Argyle.

Bohannon joined Argyle in 2021 as the company’s second-ever customer success manager and immediately helped onboard its first mortgage client. In the years since, she has played a central role in Argyle’s growth into one of the industry’s most trusted providers and guided its work with more than 150 lenders, including some of the largest in North America. Promoted twice in three years, Bohannon architected Argyle’s onboarding processes, implementation frameworks and customer-facing analytics, all designed to help lenders realize ROI quickly and sustainably.

“It’s an incredible honor to be included among so many accomplished women in mortgage banking,” Bohannon said. “This recognition is a reflection of the entire team at Argyle and the partnerships we’ve built with lenders who are committed to delivering better experiences for their borrowers.”

Internally, Bohannon is recognized as a collaborative leader who bridges the gap between Argyle’s customers and its product teams. She translates customer feedback into product improvements, champions adoption of new features and mentors her team to not just support customers but to advise them. Bohannon has driven a consistently exceptional customer experience, even amid rapid growth.

“Shelby has been instrumental in Argyle’s growth and in shaping how we serve our mortgage customers,” said Shmulik Fishman, CEO of Argyle. “Her leadership ensures that our customers not only succeed with our platform but also feel supported at every step. This recognition reflects the impact she’s had on both Argyle and the industry.”

The full list of 2025 Powerful Women of Mortgage Banking honorees can be viewed online in the October 2025 issue of Mortgage Banker magazine.

About Argyle:

A leading provider of direct-source, consumer-permissioned verifications, Argyle provides fast, secure and reliable access to real-time data from consumers’ payroll and banking accounts. With Argyle’s automated verification workflows, mortgage lenders, fintechs and tenant screeners save time and money, reduce fraud and compliance risk and deliver superior product experiences. As an authorized report supplier for Fannie Mae’s Desktop Underwriter® validation service and an approved service provider supporting Freddie Mac’s Loan Product Advisor® asset and income modeler (AIM), Argyle empowers mortgage lenders to auto-retrieve paystubs and W-2s, understand consumers’ ability to pay and improve loan quality—all at up to 80% less cost. Argyle’s commitment to innovation is backed by investors including Mastercard, Bain Capital Ventures, SignalFire, Checkr and Rockefeller Asset Management.

For more information on Argyle’s industry-leading verification platform, visit https://argyle.com/.

Tags: @withArgyle

NEWS SOURCE: Argyle


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Cheers in Boston: TMC fall conference concludes with collaboration and confidence in the industry’s next chapter

SAN DIEGO, Calif., Oct. 8, 2025 (SEND2PRESS NEWSWIRE) — The Mortgage Collaborative (TMC), wrapped up its 2025 fall conference, Cheers in Boston: Where Everyone Knows Your Name, held September 14–17 at the Boston Marriott Copley Place. The event drew hundreds of lenders, vendors, and industry leaders to connect, exchange ideas, and refocus on progress as the industry moves into its next phase of growth.

TMC employee team in Boston.
Image caption: TMC employee team in Boston.

From the moment attendees arrived, the tone was unmistakably forward-looking. “The energy and optimism at this conference were incredible,” said Jodi Hall, TMC’s CEO and president. “Our members understand that collaboration and innovation are key to moving forward. The conversations here show the collective strength and momentum of our network.”

The heartbeat of the event was TMC’s signature Collaboration Labs, which saw record participation this fall. More than half of attendees joined these confidential peer groups, where leaders shared experiences and tackled challenges together. Historically reserved for executives, this year’s format expanded to include professionals who report directly to senior leadership—an evolution that deepened discussions and broadened perspectives.

“The collaboration labs are always a conference highlight, and this year was even better,” said Mike Metz, operations manager at VIP Mortgage. “They offer a chance to connect with dedicated, caring professionals whose expertise spans the industry. The sessions spark honest conversations, deep dives, fascinating perspectives and valuable commentary. I always leave with new notes, ideas and connections that make it an invaluable experience.”

The conference agenda, shaped by TMC’s Pulse of the Network survey, reflected the real-world priorities of its members. Sessions explored operational efficiency, technology adoption, and construction lending—one of the most talked-about topics in Boston. Attendees with strong construction programs praised the depth of the sessions, while others appreciated the chance to learn from peers who are already excelling in that space. In response, TMC plans to expand its construction content in Scottsdale next spring, offering both introductory and advanced sessions.

Attendees also gathered for two powerful keynotes from Chris Herbert, managing director of the Harvard Joint Center for Housing Studies, and Alanna McCargo, founder of iAM Housing Advisors and former president of Ginnie Mae. Both addressed housing affordability, supply, and the policies shaping access to homeownership.

Innovation was a recurring theme throughout the week, especially during TMC’s Preferred Partner Showcases, where lenders explored emerging solutions designed to improve efficiency and borrower experience. “The showcases were my favorite sessions,” said Eric Burgoon, executive vice president and chief lending and experience officer at Lake Michigan Credit Union. “They offered a unique opportunity to hear from partners quickly and efficiently in one forum. We learned about new features from existing partners and discovered entirely new products from others. It was true collaboration in action.”

That spirit of innovation continued during Mortgage Tech Day, sponsored by Docutech, where startups competed for the title of Top Startup. Nestment took home the honor, along with a prize sponsored by HousingWire, for its co-buying education platform that is redefining how consumers approach shared homeownership.

The conference also recognized individuals who exemplify TMC’s values of service and collaboration. Jaime Frederes of New Hampshire Mutual Bancorp received the Team Award, Amanda Morrow of Atlantic Bay earned the Mindful Award, and Jodi Lopez of Mercantile Bank was honored with the Collaborative Award.

Beyond the sessions, attendees enjoyed a taste of Boston’s charm, from a group outing to the Red Sox–Yankees game at Fenway Park to a packed Cheers-themed reception that filled the iconic bar with TMC members on Monday night. This year also marked the debut of a virtual assistant powered by Capacity, which attendees could text for real-time restaurant suggestions and local tips—a small detail that underscored TMC’s commitment to enhancing the member experience.

As the event concluded, there was a clear sense that the industry has regained its footing and is preparing for what’s ahead. “Our members have weathered the toughest market cycle in years and are emerging stronger than ever,” said Hall. “They are investing in people, processes, and technology to meet the next wave of opportunity head-on.”

TMC will host its next in-person event February 22–24, 2026, at the Grand Hyatt Scottsdale Resort & Spa in Arizona.

About The Mortgage Collaborative

The Mortgage Collaborative (TMC) is a membership-driven organization that empowers mortgage lenders across the United States through networking, education, and advocacy. TMC fosters an environment of collaboration and innovation, ensuring its members succeed regardless of market conditions. For more information, visit  www.mortgagecollaborative.com.

NEWS SOURCE: The Mortgage Collaborative


This press release was issued on behalf of the news source (The Mortgage Collaborative), 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’s Brad Cardwell named to MBA’s Associate Advisory Council

Appointment reflects DPR's commitment to advancing affordability solutions and industry innovation through the MBA

ATLANTA, Ga., Oct. 7, 2025 (SEND2PRESS NEWSWIRE) — Down Payment Resource (DPR), the housing industry’s leading technology for connecting homebuyers with homebuyer assistance programs, today announced that Brad Cardwell, vice president of sales and business development, has been appointed to the Mortgage Bankers Association’s (MBA) Associate Advisory Council (MAAC).

Brad Cardwell of Down Payment Resource
Image caption: Brad Cardwell of Down Payment Resource.

The MAAC is composed of a diverse cross-section of MBA Associate Members from all tiers of membership, ensuring their perspectives and priorities are represented in shaping the mortgage industry’s future. Its mission is to connect Associate Member companies, foster collaboration and innovation and serve as a bridge between service providers and the MBA lender and servicer community, while showcasing and advancing the unique value Associate Members bring to the industry.

Cardwell, a 22-year mortgage industry veteran, joined DPR in 2024 to lead enterprise sales, expand the company’s sales team and grow its partner network. His mission is to help more housing professionals and consumers become aware of the availability and benefits of DPA for a wide range of homebuying expenses and property types.

Before joining DPR, Cardwell spent 19 years at Embrace Home Loans, where he most recently served as Vice President of Innovation for Revenue and Sales Enablement. In that role, he established the Sales Enablement Product Owner function, overseeing sales and marketing operations, technology stack management, and the execution of go-to-market strategies.

Cardwell also served on the executive advisory board of nCino (formerly SimpleNexus, an nCino company), where he provided product and roadmap feedback. Earlier in his career, he worked as a loan officer and team leader at Embrace, giving him hands-on experience with the challenges and opportunities faced by loan originators and their clients.

“Brad’s industry experience and leadership will be invaluable as DPR continues its work to expand awareness of down payment assistance at a time when affordability challenges are top of mind,” said Rob Chrane, founder and CEO of Down Payment Resource. “We’re confident his contributions to the MBA will not only reflect DPR’s mission, but also strengthen the industry as a whole.”

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 2,550 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/.

About MBA:

The Mortgage Bankers Association (MBA) is the leading national association representing all segments of the real estate finance industry. Headquartered in Washington, D.C., MBA works to advance the mortgage industry through advocacy, research, education, and collaboration, representing over 2,000 member companies. For more information on MBA’s Associate Advisory Council, please contact: Alicia Goncalves, CMB, Director of Associate Membership, Mortgage Bankers Association at agoncalves@mba.org.

X: @DwnPmtResource #downpaymentassistance #downpayment @MBAmortgage

NEWS SOURCE: Down Payment Resource


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Cloudvirga announces integration between Horizon POS and ICE PPE

New integration enables loan officers to shop rates, validate eligibility and manage locks within Horizon's Loan Center

IRVINE, Calif., Oct. 7, 2025 (SEND2PRESS NEWSWIRE) — Cloudvirga, a Stewart-owned provider of digital point-of-sale platforms for lenders, today announced a new integration between its Horizon POS platform and the ICE PPE from Intercontinental Exchange (NYSE: ICE). Built on ICE’s latest API framework for mortgage technology, the integration allows loan officers to request loan pricing, validate product eligibility and request rate locks from ICE PPE directly within Horizon’s Loan Center.

Cloudvirga logoImage caption: Cloudvirga.

Horizon is a retail and consumer-direct digital mortgage platform designed to simplify the loan process for borrowers and loan officers alike. Its feature-rich Loan Center gives loan officers the tools to work more efficiently and streamline borrower communication.

The ICE PPE is the only product and pricing engine natively embedded into the Encompass® loan origination system (LOS) from ICE Mortgage Technology®. It allows lenders to efficiently search products and pricing across hundreds of programs, deliver instant rate quotes to borrowers and submit lock requests — all while maintaining data consistency within Encompass.

Using the new integration, loan officers can initiate a pricing and eligibility search at any stage of the loan process, whether generating a quick quote for a prospective borrower or working with a completed loan application. Loan officers can submit rate lock requests directly within Horizon’s Loan Center, with decisions from the secondary lock desk instantly reflected in Horizon and emailed to the submitting loan officer. By syncing with the ICE PPE throughout the origination process, Horizon continually validates pricing and eligibility data to ensure changes in borrower circumstance never cause a loan file to advance to automated underwriting or disclosures with inaccurate pricing.

“Lenders need fast, reliable pricing and eligibility data to stay competitive — and they need it at their fingertips,” said Maria Moskver, CEO of Cloudvirga. “This integration gives loan officers more control and confidence throughout the origination process by combining Horizon’s flexibility with the trusted pricing power of ICE PPE.”

For more information, visit Cloudvirga on the ICE Marketplace.

Encompass Partner Connect enables the integration of key third-party products and services with ICE Mortgage Technology solutions. ICE does not own, control nor endorse any specific industry participant or the product/service provided. Loan originators and servicers are responsible for vetting, selecting and contracting with the providers of their choosing.

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/.

Tags: @Cloudvirga @ICEMortgageTech @#mortgageinnovation #digitalmortgage

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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Dark Matter Technologies integrates Polly’s advanced PPE engine into its Empower LOS platform

Integration with Polly expands lender choice, while streamlining pricing and automating lock workflows within Empower's open ecosystem

JACKSONVILLE, Fla., Oct. 7, 2025 (SEND2PRESS NEWSWIRE) — Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced the integration of the Empower® loan origination system (LOS) with Polly’s advanced product, pricing and eligibility (PPE) engine, expanding choice for banks, credit unions and mortgage lenders.

Dark Matter Technologies integrates Polly's advanced PPE engine into its Empower LOS platform
Image caption: Dark Matter Technologies integrates Polly’s advanced PPE engine into its Empower LOS platform.

The integration enables lenders to access Polly’s one-of-a-kind granular price optimization and automated lock functionality directly within the Empower LOS workflow, streamlining secondary marketing operations and enhancing efficiencies through flexible automation. By embedding Polly’s PPE engine, lenders no longer need to navigate outside of the Empower LOS to manage pricing and lock processes with Polly.

“We are proud to deliver additional options for our clients,” said Stephanie Durflinger, chief product officer at Dark Matter. “By integrating with Polly, we are extending choice to our lender community, delivering value and helping lenders grow while strengthening our open ecosystem.”

“At Dark Matter, we operate with integrity, communicate with clarity and transparency, and collaborate with our partners,” said Sean Dugan, CEO of Dark Matter. “This integration with Polly demonstrates that commitment. Together with our clients and partners, we are shaping technology that moves the industry forward with innovation and openness.”

“Optionality is key to foster growth and competitive advantage, and Dark Matter’s vision for an open, transparent ecosystem mirrors our own,” explained Adam Carmel, founder and chief executive officer of Polly. “This relationship allows even more lender clients to unlock the added automation, flexibility, precision and value delivered by Polly, all while working within the proven Empower LOS environment.”

The Polly integration will be available to Empower LOS clients starting mid-October 2025, ahead of the Mortgage Bankers Association’s Annual Convention and Expo. Lenders interested in the Polly integration should meet with a Dark Matter expert in Las Vegas at MBA Annual 2025.

About Polly:

Polly has pioneered the next generation of mortgage capital markets technology with its cutting-edge, data-driven platform. Its enterprise-grade solutions, including the industry’s only cloud-native, commercially scalable product, pricing and eligibility (PPE) engine and first-of-its-kind Polly/™ AI platform, empower the nation’s top banks, credit unions and mortgage lenders to increase profitability, automate workflows and revolutionize the loan officer and broker experiences. As a mortgage technology trailblazer, Polly is committed to driving meaningful value and ROI through best-in-class innovation that enables unlimited configurability, flexibility, granularity and scalability. Polly was founded by a seasoned team of mortgage capital markets and technology experts and is headquartered in San Francisco, California. To learn more, follow Polly on LinkedIn or visit www.polly.io.

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 www.dmatter.com.

Twitter: @dmattertech @pollyex_inc #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.

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Floify’s head of marketing Courtney Dodd named to MBA’s Associate Advisory Council

Appointment highlights Floify's growing influence in fintech innovation and mortgage industry leadership

BOULDER, Colo., Oct. 7, 2025 (SEND2PRESS NEWSWIRE) — Floify, the mortgage industry’s leading point-of-sale (POS) solution, today announced that its head of marketing Courtney Dodd has been appointed to the Mortgage Bankers Association’s (MBA) Associate Advisory Council (MAAC).

Floify’s head of marketing Courtney Dodd named to MBA’s Associate Advisory Council
Image caption: head of marketing Courtney Dodd.

The MAAC represents a diverse group of MBA Associate Members across multiple membership tiers, giving voice to their ideas and interests to strengthen the mortgage industry as a whole. Its mission is to unite Associate Member companies, foster collaboration and innovation and serve as a bridge between service providers and MBA’s lender/servicer community, while elevating the contributions of Associate Members.

Dodd joined Floify in 2023, bringing with her more than 12 years of marketing leadership experience in the mortgage and fintech industries. Since stepping into her role, she has executed a comprehensive full-funnel marketing strategy that rebranded Floify and solidified its standing as a fintech leader. She has also played a pivotal role in the launch of Floify Broker Edition, Floify Lender Edition, and most recently spearheaded the introduction of Dynamic AI, a no-code feature empowering lenders and brokers to customize borrower applications.

Prior to Floify, Dodd served as Director of Integrated Marketing at SimpleNexus (now an nCino company), overseeing events, association partnerships, demand generation, and account-based marketing. She previously held key marketing roles at Ellie Mae (now ICE Mortgage Technology), Calyx Software, and PrimeLending, leading strategic initiatives in branding, positioning, communications and go-to-market planning.

“Courtney’s appointment to MBA’s Associate Advisory Council underscores both her leadership in the mortgage fintech space and her ability to bring innovative ideas to the table,” said Joshua Steffan, SVP and Group General Manager at Porch Group and Interim President and General Manager, Floify. “Her perspective and experience will be an asset not just to Floify, but to the entire mortgage community as she helps advance the MBA’s mission.”

About Floify:

Floify is a digital mortgage automation solution that streamlines the loan process by providing a secure application, communication, and document portal between lenders, borrowers, referral partners, and other mortgage stakeholders. Loan originators use the platform to create product-specific applications (no coding required!), collect and verify borrower documentation, track loan progress, communicate with borrowers and real estate agents, and close loans faster. The company is based in Boulder, Colorado and is a subsidiary of Porch Group, Inc. (“Porch Group”) (NASDAQ: PRCH). For more information, visit the company’s website at https://floify.com/ or on social media at Facebook, LinkedIn, or Twitter / X.

About Mortgage Bankers Association:

Mortgage Bankers Association (MBA) is the leading national association representing all segments of the real estate finance industry. Headquartered in Washington, D.C., MBA works to advance the mortgage industry through advocacy, research, education, and collaboration, representing over 2,000 member companies. For more information on MBA’s Associate Advisory Council, please contact: Alicia Goncalves, CMB, Director of Associate Membership, Mortgage Bankers Association at agoncalves@mba.org.

X: @Floify #mortgage #fintech #housingfinance @MBAmortgage

NEWS SOURCE: Floify


This press release was issued on behalf of the news source (Floify), 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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Peak Residential implements Argyle-LenderLogix integration – LiteSpeed first POS to integrate with Argyle VOA

BUFFALO, N.Y., Oct. 2, 2025 (SEND2PRESS NEWSWIRE) — LenderLogix, a leading provider of mortgage point-of-sale (POS) and automation software for banks, credit unions, independent mortgage banks and brokers, today announced that Peak Residential Lending (Peak) has adopted LenderLogix’s LiteSpeed™ integration with Argyle to deliver verification of assets (VOA) directly at the point of sale (POS). LiteSpeed is the first POS to offer VOA through Argyle’s verification platform.

LenderLogix
Image caption: LenderLogix logo.

Through the integration, Peak’s loan teams can access structured, verified data from the start of the application process, including transaction history, asset summaries and rental history. Using income, employment or asset verifications from Argyle enables lenders to qualify for rep and warrant relief on validated components under Fannie Mae’s Day 1 Certainty® program and Freddie Mac’s Asset and Income Modeler (AIM) capability in Loan Product Advisor®.

LiteSpeed’s integration with Peak’s loan origination system (LOS), Encompass® by ICE Mortgage Technology®, further reduces manual touchpoints, driving efficiency and accuracy throughout the loan lifecycle. For Peak borrowers, the mortgage application is faster and less stressful. Instead of searching for and uploading bank statements, assets are verified in minutes, delivering the digital convenience today’s consumers expect.

“VOA delivered at the POS is not just a feature, it’s a fundamental shift in how we serve our borrowers,” said Peak Co-Founder Charley Bates. “By eliminating manual document collection and reducing back-and-forth follow-ups, we start every file with verified, consumer-permissioned data. That cuts days off the process for our loan teams while giving customers the modern, digital experience they expect when applying for a mortgage. We can focus more on guiding borrowers through the process and less on paperwork.”

“Peak Residential’s implementation is a clear example of how technology can streamline processes and allow lenders to focus on what they do best: originating quality loans,” said Patrick O’Brien, founder and CEO of LenderLogix. “Being the first POS live with Argyle’s VOA is a powerful milestone for the industry and for our customers. Embedding VOA directly into the POS empowers lenders to originate loans with fewer manual touchpoints, higher accuracy and greater compliance certainty.”

“Asset verification has long been one of the most time-consuming and compliance-sensitive parts of the mortgage process,” said John Hardesty, vice president of Argyle’s mortgage division. “By delivering GSE-accepted data instantly at the point of sale, Peak Residential is showing how this integration reduces risk from the very beginning of the loan and ensures lenders can originate with confidence.”

This is the latest in a series of LiteSpeed integrations with leading consumer-permissioned verification providers, underscoring LenderLogix’s commitment to delivering flexibility and choice for lenders while ensuring borrowers receive the modern digital experience they expect.

About LenderLogix

LenderLogix leverages the four decades of firsthand mortgage origination and real estate experience of its executive team to design customized software and APIs 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/.

LOGO link for media: https://www.lenderlogix.com/landing-assets/assets/images/lenderlogix-logo_white.png

NEWS SOURCE: LenderLogix


This press release was issued on behalf of the news source (LenderLogix), 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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FirstClose integrates with Optimal Blue to accelerate home equity closings

AUSTIN, Texas, Sept. 29, 2025 (SEND2PRESS NEWSWIRE) — FirstClose™, Inc., a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, today announced a certified integration with Optimal Blue that connects FirstClose’s point-of-sale (POS) platform to Optimal Blue’s product, pricing and eligibility (PPE) engine. The integration builds on FirstClose’s ability to reduce home equity closing times from 45 days to 10 or fewer, while also giving lenders access to Optimal Blue’s trusted pricing and eligibility data. Together, these capabilities position lenders to better serve growing demand for home equity lines and second mortgages in today’s purchase-slow market.

FirstClose logo
Image caption: FirstClose logo.

Through the integration, lenders can provide borrowers with a seamless, branded application experience that combines FirstClose’s real-time property data and eligibility information with Optimal Blue’s accurate, lender-specific pricing. Together, these capabilities deliver a transparent process where consumers see precise loan options and rates while navigating their application.

“By integrating our point-of-sale experience with Optimal Blue’s pricing engine, lenders can now deliver borrowers a faster, simpler and more transparent path to access their home equity,” said Tedd Smith, chief executive officer of FirstClose.

“Americans are holding tremendous amounts of home equity, and this integration gives lenders a seamless path to present borrowers with real-time, accurate pricing information from Optimal Blue,” said Mike Vough, head of corporate strategy at Optimal Blue. “By creating more transparency of product and pricing for homeowners, lenders are better positioned to help borrowers take advantage of home equity opportunities.”

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 the lender’s borrowers more effectively, reduce closing costs and ultimately shorten closing times. For more information, visit https://www.firstclose.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.

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PHH Mortgage and Stavvy Partner to Deliver Greater Convenience for Homeowners Navigating Loan Modifications

Digital default servicing solution eliminates paper, accelerates resolution, and provides homeowners with flexible, remote access

CHARLOTTE, N.C., Sept. 29, 2025 (SEND2PRESS NEWSWIRE) — Stavvy, a leading digital mortgage platform, today announced that PHH Mortgage Corporation, a subsidiary of Onity Group Inc. (NYSE: ONTY), has selected its technology solution to enable fully digital execution of loan modification transactions. The partnership leverages Stavvy’s comprehensive suite of tools, including eSign, remote online notarization (RON), and in-person electronic notarization (IPEN), all integrated within a centralized, secure hub.

Stavvy logo
Image caption: Stavvy logo.

This collaboration advances PHH Mortgage’s commitment to delivering homeowner-focused solutions by streamlining the loss mitigation process through a fully remote, digital platform. Stavvy’s technology is built to accelerate loan modification workflows, improving velocity and increasing pull-through rates.

“PHH Mortgage’s strong industry ratings and consistent recognition for servicing excellence speak volumes about their leadership,” said Kyle Stephenson, Chief Executive Officer of Stavvy. “Collaborating with a servicer of this caliber reflects our shared commitment to innovation, efficiency, and delivering real impact for homeowners.”

With Stavvy, PHH enables quick execution for both homeowners and lender countersigning by allowing digital review, signing, and notarization on the homeowner’s schedule. The platform removes the need to track down loan modification agreements or partial claims, eliminating delays caused by shipping and trailing documents. This streamlined process reduces turnaround times, cuts manual errors, and ensures compliance through secure, auditable digital workflows.

“This collaboration with Stavvy supports our mission of offering greater flexibility and transparency to homeowners while also improving speed and accuracy across our operations,” said Walter Mullen, Executive Vice President and Chief Strategy Officer of Onity Group Inc. “By offering expanded digital solutions, we expect to not only improve accessibility for homeowners in need but also engage customers in ways that are convenient for them while driving meaningful efficiencies behind the scenes.”

The partnership also reflects PHH Mortgage’s broader focus on service quality and innovation. By adopting technologies that simplify complex transactions, the company continues to prioritize responsiveness, accuracy, and ease of experience, placing customers at the center of its approach.

About Stavvy

Stavvy is a financial technology company building software to help organizations manage security risk, improve collaboration, and increase the speed and transparency of real estate transactions. The Stavvy platform includes eClosing, digital mortgage lending, digital default servicing, and digital HELOC solutions. Stavvy envisions a future not only without paper, but without documents; shattering the notion that paperless is as good as it gets. To learn more, visit https://stavvy.com/.

About Onity Group

Onity Group Inc. (NYSE: ONIT) is a leading non-bank financial services company providing mortgage servicing and originations solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage is one of the largest servicers in the country, focused on delivering a variety of servicing and lending programs. Liberty is one of the nation’s largest reverse mortgage lenders dedicated to providing loans that help customers meet their personal and financial needs. We are headquartered in West Palm Beach, Florida, with offices and operations in the United States, the U.S. Virgin Islands, India and the Philippines, and have been serving our customers since 1988. For additional information, please visit https://onitygroup.com/.

Forward Looking Statements

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements may be identified by a reference to a future period or by the use of forward-looking terminology such as “expect” and “intend” and references to goals or strategies, although not all forward-looking statements contain these words. Forward-looking statements in this press release include statements relating to the anticipated benefits of Stavvy’s technology to PHH’s clients and customers and the ability of PHH to enhance its operations and customer experience through technology solutions.

Forward-looking statements involve a number of assumptions, risks and uncertainties that could cause actual results to differ materially. Important factors that could cause actual results to differ materially from those suggested by the forward-looking statements include, but are not limited to, changes in market conditions, the industry in which Onity operates, and its business, the actions of governmental entities and regulators, developments in litigation matters, and other risks and uncertainties detailed in Onity’s reports and filings with the SEC, including its annual report on Form 10-K for the year ended December 31, 2024. Anyone wishing to understand Onity Group Inc.’s business should review its SEC filings. Onity’s forward-looking statements speak only as of the date they are made and Onity disclaims any obligation to update or revise forward-looking statements whether as a result of new information, future events or otherwise.

MULTIMEDIA:

Logo link for media: https://www.Send2Press.com/300dpi/25-0929-s2p-stavvy-300dpi.webp

NEWS SOURCE: Stavvy


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ACES Quality Management Launches ACES Intelligence™, Redefining Mortgage and Financial Services Quality Control with AI

DENVER, Colo., Sept. 24, 2025 (SEND2PRESS NEWSWIRE) — ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, today announced the launch of ACES Intelligence, the industry’s first and only AI-powered features for quality control (QC). ACES Intelligence helps ACES customers improve quality, speed and efficiency by enhancing loan reviews, selection and compliance.

ACES Quality Management
Image caption: ACES Quality Management.

ACES Intelligence empowers users to write exceptions, build loan selection queries in plain English, and summarize audits in seconds, dramatically cutting exception writing time. Key capabilities include:

  • Executive Summaries: Instantly generate narratives that outline selection methods, defect statistics and key findings, delivering actionable insights in seconds.
  • Criteria Builder (natural language processing): Generate advanced loan selection criteria faster by describing filters in plain English—skipping tedious clicks.
  • Exception Comment Summaries: Access a roll up view of exceptions found in an audit and generate summaries of findings noted in comments.
  • PII Detection: Automatically identify sensitive information such as Social Security and credit card numbers, reducing the risk of exposure.
  • Writing Assistant and Comment Analysis: Ensure professional writing and regulatory citation, improving clarity and accuracy with a single click.

“ACES Intelligence is redefining how the financial services industry approaches compliance and risk management,” said Trevor Gauthier, chief executive officer of ACES Quality Management. “By combining AI-driven technology with our proven QC platform, we are giving institutions the tools they need to work smarter, respond faster and stay ahead of regulatory demands.”

Early users report measurable time savings from ACES Intelligence. The quality control team at Georgia’s Own Credit Union said the tool reduces review time by “countless minutes” per loan, equating to hours saved on a full audit. The institution credited the platform’s Writing Assistant, real-time Executive Summaries and natural language processing–driven Criteria Builder with streamlining quality control and improving communication clarity.

“ACES Intelligence saves us hours on audits and delivers faster insights, making our work easier, more accurate and more focused on high-value tasks,” said Emilee Rada, director of lending operations at Georgia’s Own Credit Union.

Compliance consultants also see the benefits of ACES Intelligence in day-to-day audit management.

“Implementing ACES Intelligence into our workflow has been a game-changer. It saves my management staff time by streamlining the process of rewriting findings and analyzing audits, allowing them to dedicate more attention to clients,” said Todd Krell, partner at CrossCheck Compliance LLC. “The efficiency ACES Intelligence brings has noticeably improved our overall productivity and better equips us to serve our clients.”

Together, these early results highlight how ACES Intelligence is helping both lenders and compliance partners streamline audits and strengthen quality control.

For more information about ACES Intelligence, visit www.acesintelligence.com.

About ACES Quality Management

ACES Quality Management is the leading provider of enterprise quality management and control software for the financial services industry. The nation’s most prominent lenders, servicers and financial institutions rely on ACES Quality Management & Control® Software to improve audit throughput and quality while controlling costs, including:

  • Over 70% of the top 20 independent mortgage lenders;
  • 7 of the top 10 loan servicers;
  • 11 of the top 30 banks; and
  • 3 of the top 5 credit unions in the United States.

Unlike other quality control platforms, ACES Flexible Audit Technology® gives independent mortgage lenders and financial institutions the ability to easily manage and customize ACES to meet their business needs without having to rely on IT or other outside resources. Using a customer-centric approach, ACES clients get responsive support and access to our experts to maximize their investment. For more information, visit www.acesquality.com or call 1-800-858-1598.

NEWS SOURCE: ACES Quality Management


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Genisys Credit Union partners with Floify to enhance the member mortgage experience

Top 75 credit union selects Floify's flexible platform to streamline workflows and expand digital lending capabilities

BOULDER, Colo., Sept. 23, 2025 (SEND2PRESS NEWSWIRE) — Floify, the mortgage industry’s leading point-of-sale (POS) solution, today announced that Genisys Credit Union has selected its platform to streamline mortgage lending workflows and deliver an improved member experience. The partnership reflects Genisys’ focus on flexible technology solutions and Floify’s commitment to supporting credit unions with scalable tools.

Genisys Credit Union partners with Floify
Image caption: Genisys Credit Union partners with Floify.

Genisys Credit Union, headquartered in Auburn Hills, Michigan, serves over 290,000 members through its 30 branches across Michigan and Minnesota. The credit union offers a full range of financial products and services, including real estate lending, personal banking and investment solutions.

Genisys is fully implementing Floify to modernize and replace outdated legacy systems. With Floify, loan officers can manage multiple workflows seamlessly, supporting traditional loan products and specialized offerings such as new construction and home equity lines of credit (HELOCs). The platform enhances efficiency, streamlines borrower experiences and positions Genisys to stay ahead of industry demands. Genisys looks forward to learning more about Floify’s forthcoming Dynamic AI feature, further boosting automation and the ability to customize workflows.

“Floify appears very easy to navigate for users with an embedded verification workflow, and it is cost-effective,” said Lance Smith, Vice President of Real Estate Lending at Genisys. I see Floify significantly enhancing our customer experience, data gathering at POS, and developing some excellent AI tools, all of which help the efficiency of our sales team.”

The collaboration underscores both organizations’ commitment to advancing digital lending for credit union members.

“Credit unions like Genisys are investing in technology to compete more effectively and better serve their members,” said Joshua Steffan, senior vice president and group general manager at Porch Group and interim president and general manager of Floify. “By delivering configurable workflows and responsive customer service, Floify is helping credit unions modernize mortgage lending and elevate the member experience.”

About Floify:

Floify is a digital mortgage automation solution that streamlines the loan process by providing a secure application, communication, and document portal between lenders, borrowers, referral partners, and other mortgage stakeholders. Loan originators use the platform to create product-specific applications (no coding required!), collect and verify borrower documentation, track loan progress, communicate with borrowers and real estate agents, and close loans faster. The company is based in Boulder, Colorado and is a subsidiary of Porch Group, Inc. (“Porch Group”) (NASDAQ: PRCH). For more information, visit the company’s website at https://floify.com/ or on social media at Facebook, LinkedIn, or Twitter / X.

Twitter: @Floify @GenisysCU #mortgage #fintech #housingfinance

NEWS SOURCE: Floify


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FirstClose Strengthens Sales Team with Industry Veterans to Support Growth in Home Equity Lending

AUSTIN, Texas, Sept. 18, 2025 (SEND2PRESS NEWSWIRE) — FirstClose™, a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, announced the expansion of its sales organization with the addition of four accomplished industry sales professionals. These new team members bring deep industry experience and proven track records that will support the company’s continued growth in home equity lending:

  • Previously with Volly and ClosingCorp, Austin Wilcox brings a strong background in sales and client success to his new role as regional vice president.
  • Darcy Hall, who most recently worked for MMI, has joined as a business development manager focused on driving pipeline growth and lender outreach.
  • Jon Del Pozo, an accomplished sales leader with experience at ICE and Ellie Mae, rounds out the team as a regional vice president.
  • Tracy Farber joins FirstClose as vice president, sales solution engineer and brings more than 15 years of experience from Ellie Mae, SimpleNexus and nCino.

FirstClose Strengthens Sales Team with Industry Veterans to Support Growth in Home Equity Lending
Image caption: FirstClose Strengthens Sales Team with Industry Veterans to Support Growth in Home Equity Lending.

“This team expansion represents our continued investment in delivering superior solutions and service to the lending community,” said John Aslanian, chief revenue officer at FirstClose. “With experienced professionals joining our sales organization, we’re positioned to help more lenders capitalize on the growing demand for home equity products while improving their operational efficiency and borrower experience.”

These strategic hires join experienced sales leaders Rob Pommier, Paul Friedrichs and Ian Voigt as the company continues to scale its go-to-market efforts. With these additions, FirstClose is now fully staffed on the sales front, positioning the company to meet increasing demand for streamlined home equity lending. The expanded team enhances FirstClose’s ability to strengthen lender relationships, accelerate sales cycles and extend the reach of its end-to-end digital platform.

“As market dynamics shift and home equity continues to gain traction, having the right people in place is essential,” said Tedd Smith, chief executive officer of FirstClose. “By expanding our front-line sales organization, we’re better equipped to support lenders looking to modernize their home equity workflows. Our technology simplifies the process, shortens time to close, and helps unlock new revenue potential, delivering real impact where it matters most.”

About FirstClose

Headquartered in Austin, Texas, FirstClose is a fintech provider delivering digital solutions purpose-built for home equity and mortgage lending. Its platform combines property data intelligence, automated workflows and vendor integrations to streamline home equity originations by reducing costs, accelerating turn times and enhancing the borrower experience. Trusted by lenders nationwide, FirstClose empowers users with configurable technology for instant decisioning and end-to-end order management. Learn more at www.firstclose.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.

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Ardley Launches OneLink Technology, Enabling Real-Time, Customized Mortgage Offers for Any Qualified Borrower

Lenders and servicers can now offer hyper-customized loan offers, expanding access to non-mortgage clients and brand new borrower prospects

RESTON, Va., Sept. 18, 2025 (SEND2PRESS NEWSWIRE) — Ardley, the leading provider of borrower-level mortgage intelligence, today announced the launch of Ardley OneLink, a first-of-its-kind universal entry point to the Ardley Intelligence Platform. OneLink enables lenders and servicers to instantly deliver Ardley-enabled custom loan offers to any qualified potential borrower.

Ardley Technologies, Inc. - Actionable Data Intelligence
Image caption: Ardley Technologies, Inc. – Actionable Data Intelligence.

Two of the biggest challenges mortgage lenders and servicers face in generating new originations are:

  • Low borrower conversion rates with generic, non-personalized “rates-as-low-as” marketing
  • The inability to market directly depository customers and brand new prospects who do not already hold a mortgage

OneLink solves both problems by turning any touchpoint, from emails and websites to servicing communications, into a seamless gateway to Ardley Navigator. Borrowers see real mortgage offers with real pricing, based on their individual data and the lender’s actual loan programs, in seconds.

“OneLink allows lenders and servicers to capture exponentially more of the warm, ready-to-transact borrowers already in their ecosystems — from depository clients to brand-new prospects,” said Nathan Den Herder, CEO of Ardley. “It delivers a white-labeled, universal experience that meets every borrower where they are, shows them what’s possible based on their real parameters, and drives higher conversions as a result.”

What differentiates these offers from those of most other lenders is: they are based on real-time pricing for the exact loan programs offered by the lender, and matched to the borrower’s and property’s specific parameters.

The OneLink borrower experience starts with a simple link. Ardley Intelligence authenticates borrower identity and context in real time, evaluates eligibility, and delivers personalized loan offers with accurate, live pricing. Borrowers can then apply directly or be routed to the lender’s preferred loan officer or digital application flow.

“OneLink fits seamlessly into the channels lenders already use — email, servicer communications, lender websites — without adding complexity,” added Den Herder. “It’s invisible to the lender, until they see the spike in applications.”

OneLink is available now as part of the Ardley platform.

About Ardley Technologies, Inc.

Ardley is the industry leader in borrower-level eligibility intelligence, monitoring more than 5 million borrowers every day. The platform has generated over 50,000 automated applications, delivering lenders an average 8x return on investment. By bridging the gap between market signals and true borrower readiness, Ardley helps lenders maximize retention, increase marketing ROI, and deliver a seamless, trustworthy experience for homeowners. https://www.ardley.com/

Media Contact:
Taylor Potter, COO
(918) 338-6440
taylor.potter@ardley.com

NEWS SOURCE: Ardley Technologies Inc


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NotaryCam partners with Dovenmuehle and RUTH RUHL, P.C. to streamline loan modifications with remote online notarization

HOUSTON, Texas, Sept. 16, 2025 (SEND2PRESS NEWSWIRE) — NotaryCam®, a Stewart-owned company and a pioneering provider of remote online notarization (RON) and identity verification/authentication technology for real estate and legal transactions, today announced it has partnered with mortgage subservicing leader Dovenmuehle Mortgage Inc. and Texas-based law firm RUTH RUHL, P.C. to offer remote online notarization (RON) services for loan modification agreements. This collaboration aims to modernize the loss mitigation process by improving efficiency, reducing cost and friction and enhancing the borrower experience.

NotaryCam logo
Image caption: NotaryCam logo.

Using NotaryCam’s secure RON platform, Dovenmuehle and RUTH RUHL, P.C. facilitate compliant, real-time digital notarization of loan modification documents. This eliminates the need for borrowers to attend in-person appointments or coordinate limited-time windows with traditional notaries.

“Adding RON to the loss mitigation toolkit doesn’t just simplify the process for borrowers, it creates tangible operational and financial benefits for servicers and their clients,” said Brian Webster, president and CEO of NotaryCam. “By enabling faster turnaround of notarized documents, RON helps servicers meet critical deadlines, limit the accrual of daily interest costs tied to warehouse lines and support more effective hedge execution for lenders.”

For subservicers and legal partners supporting lenders and investors, every day a loan modification is delayed can increase carrying costs, create liquidity strain and risk falling outside of securitization or repooling timelines. RON shortens these cycles by eliminating common bottlenecks associated with traditional notarization, which is often a friction point for both borrowers and servicers.

“At Dovenmuehle, we’re focused on streamlining operations in ways that empower borrowers and protect our clients’ bottom line,” said Dovenmuehle Senior Vice President of Default Servicing Ron Malik. “Partnering with NotaryCam and RUTH RUHL, P.C. supports our ongoing effort to enhance loss mitigation servicing with tools and technologies that make a meaningful difference without compromising compliance.”

“This partnership is rooted in shared values, efficiency, integrity and exceptional customer service,” said Ruth Ruhl, founder and president of RUTH RUHL, P.C. “With NotaryCam’s platform, we’ve significantly reduced turn times and seen strong feedback from both servicers and borrowers. It’s clear that RON is the future of loss mitigation, and we’re proud to help lead that evolution.”

As more lenders explore the benefits of digital notarization, Dovenmuehle plans to expand its use of NotaryCam’s platform across its client base. NotaryCam’s solution is currently available in all states where RON is authorized, which includes 45 states and the District of Columbia. It is supported by a robust nationwide network of experienced, highly trained notaries.

For more information on NotaryCam’s RON services, visit https://www.notarycam.com.

About NotaryCam, a Stewart Company

NotaryCam, a Stewart-owned company, is the leader in online notarization and mortgage eClosing solutions, having notarized documents worldwide for more than a million customers across the United States and more than 146 countries. The company’s eClose360® platform delivers the “perfect” online mortgage closing in every jurisdiction where RON is allowed and supports all eClosing scenarios with a flexible workflow for document recording and unparalleled identity verification, security and customer convenience. In addition to real estate transactions, NotaryCam provides RON services to many Fortune 500 companies as well as small and midsize businesses and includes employment and other documents allowed by law. The company also proudly maintains an industry-leading customer satisfaction rating and the highest Net Promotor Score (NPS) amongst the best global tech brands.

Visit https://www.notarycam.com for additional information or to get a document notarized today.

LOGO link for media (NotaryCam): https://www.notarycam.com/wp-content/uploads/2025/03/NotaryCam-logo-rgb-2-768×216.png

NEWS SOURCE: NotaryCam Inc.


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