Tag Archives: Texas Business

Refinances surge nearly 70% as purchase activity falls 10% in August

Seasonal slowdown weighs on purchases; lenders lean on securitization and non-QM to drive performance

PLANO, Texas, Sept. 10, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released its August 2025 Market Advantage mortgage data report, which found a sharp split between purchase and refinance trends as seasonal factors and falling rates reshaped origination activity. Total lock volume dipped about 2% month over month (MoM) as a roughly 10% drop in purchase locks outweighed the strongest month for rate-and-term refinances this year, which surged nearly 70%. Non-QM lending also reached a new milestone in August, climbing to a record 8.3% of originations – up from 5.6% a year earlier and just 1.4% in August 2020 – extending the steady growth trend first highlighted in last month’s report.

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

“Borrowers are responding quickly to rate improvements, driving the strongest month for rate-and-term refinances we’ve seen this year,” said Mike Vough, head of corporate strategy at Optimal Blue. “At the same time, purchase activity is beginning its typical seasonal decline, while product mix is shifting with non-QM lending at record levels.”

The OBMMI 30-year conforming fixed rate, the benchmark for CME Group’s Mortgage Rate futures, ended August at 6.49%, down nearly a quarter point from July. Jumbo, FHA and VA rates also declined, falling 32, 24 and 33 basis points (bps), respectively.

The report also pointed to significant changes in capital markets execution, with securitization playing a larger role in loan sales. Agency cash window deliveries fell to 24% while agency MBS executions climbed to 40%, highlighting stronger securitization activity among larger lenders.

“This trend underscores how lenders are strategically adapting to optimize execution in order to gain market share,” Vough said. “We’re seeing deeper engagement in securitization alongside more loans sold to the highest price during loan sales, signaling that capital markets strategies are adjusting to increase profitability.”

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

Volume trends and market composition

Lock volumes dip: Overall activity slowed 1.8% in August as the seasonal decline in purchase demand outpaced gains in refinance activity.
Purchase volumes slip: Purchase volume fell 9.8% MoM but remained flat year over year (YoY), ushering in the typical post–peak season slowdown.
Refis surge: Refinances rose to 26% of originations, up sharply MoM and YoY, as rate-and-term refinances surged 69.8% while cash-outs gained 2.2%.

Rates and pricing

Benchmark rates drop: The OBMMI ended August at 6.49%, down nearly a quarter point from July. Jumbo rates fell 32 bps to 6.57%, FHA decreased 24 bps to 6.26% and VA declined 33 bps to 6.00%, creating opportunities across loan types.
Pricing strength improves: Loans sold at the highest pricing tier rose to 75%, a 5-point increase, suggesting lenders delivered cleaner loan profiles and captured stronger pricing.
MSR valuations soften: MSR values dipped to 1.15% for conforming 30-year loans, down 4 bps, in line with lower rates that compressed servicing valuations.

Channel and execution

Cash share declines: Agency cash window sales fell 200 bps to 24% as lenders leaned less on cash executions in favor of strategic delivery methods.
MBS executions rise: Agency MBS executions climbed to 40%, reflecting increased securitization by larger lenders optimizing capital markets execution and market share.
Pull-through rates mixed: Purchase pull-through rose 22 bps to 84.2%, while refinance pull-through slipped 15 bps to 61%, indicating some softening in refi pipeline performance.

Product mix and borrower profiles

Non-QM hits record: Non-QM share rose to 8.34% of all originations in August, up from 8.03% in July and setting a new record high.
Conforming declines: Conforming share fell 123 bps to 51%. VA loans gained 78 bps to 12.1%, non-conforming increased 48 bps to 17.3%, FHA edged up 1 bp to 19% and USDA dipped 5 bps to 0.7%.
New build activity softens: Planned unit development (PUD) lending fell below 28% of production, down more than 4.5% YoY as new construction market share continued to contract.
FTHB activity steady: First-time homebuyer share held flat for conforming and FHA loans and dipped slightly for VA.
Borrower profiles remain strong: The average conforming FICO Score was 756, unchanged MoM. Average loan amounts rose to $386,387 from $382,476 in July, ranging from $600,110 in metro New York to $304,511 in Indianapolis. Average LTVs ranged from 73.56 in New York to 81.61 in Indianapolis.
ARMs hold: Adjustable-rate mortgages accounted for 10.25% of overall lock activity.

To view the full August 2025 Market Advantage report, complete the free subscription form: 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 Optimal Blue Chief Technology Officer Seever Sulaiman. Access the podcast: https://market-advantage.captivate.fm/episode/episode-12 .

About the Market Advantage Report

Optimal Blue issues the Market Advantage mortgage report each month to provide 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 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.

MULTIMEDIAL

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Image caption: Optimal Blue’s August 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/refinances-surge-nearly-70-as-purchase-activity-falls-10-in-august/

Home equity fintech FirstClose promotes Andria Lightfoot to vice president of client success

AUSTIN, Texas, Sept. 8, 2025 (SEND2PRESS NEWSWIRE) — FirstClose™, a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, announced today the promotion of Andria Lightfoot to vice president of client success.

In her new role, Lightfoot will join the sales and revenue organization and be responsible for implementation and customer success strategy. She will oversee account management and introduce project management practices to shorten delivery timelines and improve client value. She is building a dedicated team and creating a new relationship manager role focused on long-term partnerships to expand the company’s customer success resources. During the transition, she will continue to guide the support team to ensure continuity.

Image caption: Home equity fintech FirstClose promotes Andria Lightfoot.

“Andria has a proven track record of delivering results for lenders while leading with empathy and vision,” said Tedd Smith, co-founder and chief executive officer of FirstClose. “Her expanded role ensures we continue to elevate the client experience while strengthening the connection between customer success and revenue growth in the home equity space.”

Lightfoot, a 2022 HousingWire Woman of Influence, is recognized across the mortgage industry for her leadership in technology adoption and customer success. She has built her career on helping lenders achieve measurable results by bridging complex mortgage technology with practical client outcomes that improve efficiency, compliance and borrower experience.

“To me, customer success at FirstClose isn’t just about support,” Lightfoot said. “It’s about standing beside our lenders, helping them get up to speed quickly and creating the kind of lasting relationships that make a difference.”

Lightfoot brings more than 20 years of experience in the mortgage industry and technology to the role. She previously served as chief customer officer at SimpleNexus, where she grew the company’s eClosing product from four to 54 active clients in eight months and helped launch Nexus Bilingual to better assist borrowers with limited English proficiency. Earlier, as chief operating officer at George Mason Mortgage, she received the Ellie Mae Hall of Fame Award for Digital Mortgage Excellence for leading a digital point-of-sale implementation that cut loan turn times and increased application pull-through. She has also guided nearly 100 lender implementations through her consulting work and modernized identity and access management systems for one of the nation’s largest school districts, serving more than 180,000 students and 40,000 employees.

Lightfoot has been recognized as one of National Mortgage Professional’s 40 Under 40 and is an active speaker and contributor to industry events and publications, including Forbes. She has served on advisory boards for the Mortgage Bankers Association, ICE and Women of ALICE, a nonprofit that mentors women in banking. She holds a bachelor’s degree in human system development from Brigham Young University and a master’s degree in information technology from Georgetown University, along with certifications in SAFe, PMP, Scrum Master and ITIL.

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 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.

To view the original story, visit: https://www.send2press.com/wire/home-equity-fintech-firstclose-promotes-andria-lightfoot-to-vice-president-of-client-success/

Click n’ Close launches SmartBuy 5/1 ARM DPA product to help builders address affordability challenges

ADDISON, Texas, Sept. 3, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close, a multi-state mortgage lender, today announced the launch of its SmartBuy 5/1 ARM Down Payment Assistance (DPA) product, designed specifically to help home builders address affordability concerns and support new home sales.

Image caption: Click n’ Close logo.

With the National Association of Home Builders (NAHB) reporting that new home sales remain flat amid persistent affordability pressures, builders are seeking financing programs that make it easier for buyers to purchase new homes. The SmartBuy 5/1 ARM DPA program combines a competitive ARM first mortgage with a repayable second mortgage that can be applied to down payments, closing costs, prepaids or rate buydowns. This structure enables builders and their lending partners to present buyers with more approachable monthly payments and lower upfront barriers.

“The SmartBuy 5/1 ARM DPA is built with builders in mind,” said Jeff Bode, founder and CEO of Click n’ Close. “It provides a practical way to address affordability concerns, giving builders another tool to help buyers move forward with confidence in today’s market.”

The SmartBuy 5/1 ARM DPA builds on Click n’ Close’s established down payment assistance programs, underscoring the company’s commitment to developing innovative financing options that align with borrower needs and current market dynamics. To learn more about the SmartBuy suite of DPA products, connect with a wholesale account executive (https://cnctpo.com/wholesale-account-executives/) or email correspondent@clicknclose.com.

About Click n’ Close, Inc.

Click n’ Close, Inc. is a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels. It is also the nation’s leading provider of Section 184 home loans for Native Americans. In operation since 1940, Click n’ Close has remained at the forefront of mortgage innovation, pioneering the adoption of eClosings and eNotes.

The company’s entrepreneurial spirit and risk management mindset have driven the development of groundbreaking loan products, including its USDA One-Time Close construction program, proprietary DPA solutions and a dedicated reverse mortgage division. With direct access to capital markets via relationships with Fannie Mae, Freddie Mac, Ginnie Mae and private investors, Click n’ Close ensures liquidity and reliability for its partners and borrowers. By servicing its loan programs in-house, the company offers wholesale and correspondent clients added confidence in loan salability and borrower satisfaction by servicing its loan programs in-house.

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.

To view the original story, visit: https://www.send2press.com/wire/click-n-close-launches-smartbuy-5-1-arm-dpa-product-to-help-builders-address-affordability-challenges/

Click n’ Close Chief Operating Officer Kara Lamphere named 2025 HousingWire Vanguard

ADDISON, Texas, Sept. 2, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close, a multi-state mortgage lender, today announced that its Chief Operations Officer, Kara Lamphere, has been named a 2025 HousingWire Vanguard. The award recognizes C-suite professionals and business leaders whose vision and leadership are driving the housing industry forward across lending, servicing, investments and real estate.

Image caption: Click n’ Close COO Kara Lamphere.

With more than 20 years of experience in mortgage operations, compliance, sales, and audit, Lamphere has redefined operational excellence at Click n’ Close. Over the past year, she has spearheaded initiatives that scaled eNote adoption to 97%, cut Fannie Mae MORA audit findings to near zero, and driven a 92% year-over-year increase in One-Time Close construction loan volume. She also expanded the company’s SmartBuy™ Down Payment Assistance offerings, launched a borrower-focused rent-vs-own calculator, and established an Operations Support department to improve quality and efficiency.

Lamphere’s leadership has propelled organizational growth and reinforced Click n’ Close’s culture of collaboration and innovation. Her efforts contributed to the company being named a Top USDA Wholesale Mortgage Lender by the U.S. Department of Agriculture for the second consecutive year, serving more than 7,000 borrowers with $1.1 billion in USDA loans originated.

“Kara exemplifies the spirit of innovation and integrity that defines true leadership,” said Jeff Bode, founder and CEO of Click n’ Close. “Her transformative approach to operations and her unwavering commitment to borrower access and employee success have positioned Click n’ Close as a market leader. We are proud to see her honored among the industry’s top executives.”

Lamphere is active in the Texas Mortgage Bankers Association and the Community Mortgage Lenders of America, and previously served seven years on the Board of Trustees at Fort Worth Academy. She is widely recognized for her empathetic, employee-first leadership style and dedication to advancing industry standards.

“The 2025 HousingWire Vanguards exemplify what it means to lead with vision and resilience,” said Sarah Wheeler, Editor-in-Chief of HousingWire. “These leaders aren’t just driving growth within their organizations, they’re shaping the future of housing itself. Their achievements reflect the innovation, adaptability, and commitment required to thrive in today’s rapidly evolving market.”

To view the full list of HW Vanguards, visit: https://www.housingwire.com/vanguard/.

About Click n’ Close, Inc.

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

NEWS SOURCE: Click n' Close Inc.

To view the original story, visit: https://www.send2press.com/wire/click-n-close-chief-operating-officer-kara-lamphere-named-2025-housingwire-vanguard/

NotaryCam helps major credit card issuers fight fraud and reduce time to resolution with RON-based identity verification

HOUSTON, Texas, Aug. 26, 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 the continued expansion of its fraud prevention use cases within the credit card industry. Through its secure, on-demand RON platform, NotaryCam enables major U.S. card issuers to accelerate identity verification, reduce time to resolution and intervene earlier in the fraud lifecycle, often before financial losses are incurred.

Image caption: NotaryCam logo.

Global payment card fraud losses reached $33 billion in 2023 and are expected to cumulatively total more than $403 billion over the next 10 years, with a disproportionate amount occurring in the United States [*note:1]. Meanwhile, U.S.-based fraud prevention efforts remain costly and reactive. Each $1 of fraud loss costs financial firms more than $5 when accounting for investigation, recovery and operational burden [*note:2].

By integrating NotaryCam’s platform into their customer identity verification workflows, credit card issuers can shift from reactive fraud mitigation to proactive fraud prevention. For one major issuer, NotaryCam is flagging an average of 7 to 10 potentially fraudulent transactions per week, streamlining decision-making while strengthening compliance and audit trails.

“Most identity fraud is caught eventually, but it’s often too late. The financial damage has already been done,” said Brian Webster, president of NotaryCam. “By embedding RON earlier in the customer journey, NotaryCam helps card issuers detect and resolve identity mismatches before accounts are misused or fraudulent applications are approved.”

The time savings are equally significant. Before adopting RON, cardholders were required to locate and visit an in-person notary, a process that introduced delays of several days. Now, applicants can schedule and complete a secure online notarization through NotaryCam in minutes, 24/7. For example, one credit card provider uses NotaryCam to validate identities for applicants whose submissions trigger enhanced verification, while another requires identity validation before reactivating cards flagged as lost or compromised.

NotaryCam supports its credit card clients through a flexible service model: institutions can either license NotaryCam’s platform for internal use or refer customers to NotaryCam’s professional notary pool. The platform is integrated across fraud prevention, banking, deposit and card operations functions, delivering reliable performance at scale.

“With fraud attacks growing more complex and costly, card issuers need identity verification solutions that work in real time and across multiple departments,” added Webster. “NotaryCam delivers a seamless experience for both customers and compliance teams while helping issuers avoid the long-tail costs of identity fraud.”

To learn more about how NotaryCam helps financial institutions reduce fraud and accelerate customer identity validation, 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 hundreds of thousands of customers in all U.S. states where allowed and more than 146 countries. 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.

CITATIONS:

[1] https://nilsonreport.com/newsletters/1276/

[2] https://risk.lexisnexis.com/insights-resources/research/us-ca-true-cost-of-fraud-study#financialservices

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

NEWS SOURCE: NotaryCam Inc.

This press release was issued on behalf of the news source (NotaryCam 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/notarycam-helps-major-credit-card-issuers-fight-fraud-and-reduce-time-to-resolution-with-ron-based-identity-verification/

NotaryCam Certified to Provide Remote Online Notarization Services in Vermont

HOUSTON, Texas, Aug. 19, 2025 (SEND2PRESS NEWSWIRE) — NotaryCam®, a Stewart-owned company and leading remote online notarization (RON) provider for real estate and legal transactions, its certification to perform RON services in the state of Vermont. This development follows Vermont’s enactment of legislation supporting remote notarizations, allowing notaries with a Special Endorsement to perform digital notarizations in the state.

Image caption: NotaryCam logo.

With this certification, Vermont-based notaries can now leverage NotaryCam’s secure platform to complete notarizations digitally, expanding access to convenient, compliant and fraud-resistant notarial services. This advancement empowers lenders and real estate professionals operating in Vermont to streamline borrower interactions without compromising on security or legal integrity.

“RON can not only increase convenience but also support fraud prevention strategies,” said Brian Webster, president of NotaryCam. “With RON acceptance increasing nationwide, we’re eager to continue delivering secure, innovative RON solutions to help lenders build processes to prepare for an increasingly digital future.”

To date, 47 states and the District of Columbia have enacted legislation enabling remote e-notarization, with Vermont being the most recent to join. NotaryCam’s platform supports both e-signatures and RON, ensuring electronic documents meet state and federal compliance standards. The platform is available as a licensed software solution for enterprises and independent notaries, or users can access NotaryCam’s nationwide network of professional notaries for on-demand services.

For more information on RON legislation in Vermont, visit the National Notary Association: https://www.nationalnotary.org/knowledge-center/news/law-updates/vt-administrative-rules-2025.

About NotaryCam, a Stewart Company

NotaryCam, a Stewart-owned company, is a leader in online notarization and mortgage eClosing solutions, having notarized documents worldwide for more than a million customers. The company’s eClose360® platform delivers the “perfect” online mortgage closing in every allowable jurisdiction 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. The company also proudly maintains an industry-leading 99.8 percent customer satisfaction rating and the highest Net Promoter 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.

To view the original story, visit: https://www.send2press.com/wire/notarycam-certified-to-provide-remote-online-notarization-services-in-vermont/

Optimal Blue to Host Its 2026 Summit February 23-25 in Scottsdale

Event will bring together capital markets professionals, industry thought leaders, and experts in AI and innovation

PLANO, Texas, Aug. 18, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced it will host its 2026 Optimal Blue Summit from February 23–25 at the Talking Stick Resort and Conference Center in Scottsdale, Arizona. Building on the success of its inaugural event, the 2026 Summit will bring together the company’s clients and integration partners, along with thought leaders and experts from across the mortgage industry, for three days of insights, connection and strategy. Attendees will experience expert-led sessions, hands-on training and curated networking opportunities focused on maximizing mortgage lending profitability.

Image caption: Optimal Blue SUMMIT 2026 Scottsdale AZ.

“Optimal Blue’s clients know that we don’t just talk about innovation – we deliver it,” said Joe Tyrrell, CEO of Optimal Blue. “Our annual Summit is where we unveil our latest solutions and share the details on how we’re using generative AI, automation and real-time data to address actual capital markets challenges. Every session is designed to provide lenders and investors with a competitive advantage for their business, instruct them on how to leverage the new innovation, and help them maximize their profitability – so attendees will walk away with real value for their businesses.”

Event highlights will include:

Generative AI and automation unveiling: Early access to Optimal Blue’s newest product deliverables, including advancements in AI that are reshaping capital markets strategies
Profitability-focused solutions: Detailed instructions of Optimal Blue’s capital markets platform, with specific focus on how lenders can achieve measurable ROI through advanced margin management, pricing intelligence and streamlined execution
Expert-led tracks: Sessions that provide key insights, tips, tricks and best practices on pricing, trading, compliance and consumer engagement, all led by industry experts
Tech showcases and feedback forums: Hands-on demonstrations of new capabilities and client roundtables to incorporate direct feedback into the future of Optimal Blue’s offerings
Networking and strategy: Unique opportunity for capital and secondary market leaders to connect with executives, industry peers, economists, policymakers and technology partners through interactive events

Early bird registration is now open at https://www2.optimalblue.com/optimal-blue-summit.

Spots are limited, so attendees are encouraged to register early and take advantage of discount pricing.

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 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:

Video (YouTube): https://youtu.be/-gvQgOGh160?si=tl8L__kU3eMX_oNN

Event logo link for media: https://www.Send2Press.com/300dpi/25-0818-s2p-opbluesummit-300dpi.jpg

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-to-host-its-2026-summit-february-23-25-in-scottsdale/

Refinances tick up and non-QM hits record high as purchase activity falls nearly 5% in July

Lenders respond to affordability pressures with loan product diversity and pricing strategies

PLANO, Texas, Aug. 12, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released its July 2025 Market Advantage mortgage data report, which found a 3% month-over-month (MoM) drop in overall rate lock volume, led by a nearly 5% drop in purchase activity as affordability remained strained.

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

Mortgage rates rose MoM across all loan types. The OBMMI 30-year conforming fixed rate, the benchmark for CME Group’s Mortgage Rate futures, ended July at 6.72%, up 5 basis points (bps). FHA, VA and jumbo rates also ticked up, rising 3, 4 and 11 bps respectively to 6.50%, 6.33% and 6.89%.

While purchase volume held steady year-over-year (YoY), refinancing showed renewed strength in July. Cash-out and rate-and-term refinance locks rose 5% and 7% respectively, partially offsetting the broader softness in the purchase market.

“As we near the end of peak buying season, 2025 purchase activity has largely tracked with 2024,” said Mike Vough, head of corporate strategy at Optimal Blue. “With affordability still a major constraint, purchase volume in line with 2024 is generally a disappointment to the industry based on 2025 projections We’re seeing more cash-out (+27% annually) and rate-and-term (+13% annually) opportunities as borrowers with post-2022 loans respond to even modest rate improvements, and borrowers may be undergoing some financial stress based on cash-out increases.”

Non-QM lending reached a new milestone in July, accounting for 8% of total rate lock volume – the highest on record. At the same time, GSE-eligible originations fell to 52.2% and non-conforming lending rose to 16.8%, underscoring a market shift toward nontraditional financing solutions. This can be attributed to elevated rates, increased debt, growing openness to alternative forms of income verification, and conventional loan limits, which are prompting more borrowers to seek flexible qualification paths.

“There’s growing separation in the ways larger and smaller lenders are managing profitability,” Vough added. “We saw an uptick in agency MBS executions, insinuating more market share is going to depositories and large IMBs, alongside stronger bid-to-cover ratios, indicating lenders are chasing the highest price over other execution considerations. Combined with deeper engagement in OBMMI-tied CME futures and many conversations about capital markets strategies for non-agency loans, it’s clear lenders are being proactive in their pricing, margin and pipeline risk strategies.”

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

Volume trends and market composition

Volume down: Total locks declined 3% MoM in July, driven primarily by a 5% drop in purchase activity and reflecting ongoing affordability challenges.
Refinance share increases: Although only 20% of the market, refis are gaining traction as borrowers with post-2022 loans find opportunities to lower monthly payments. Cash-out and rate-and-term refis rose 5% and 7%, respectively.
PUD volume rises: Planned unit development (PUD) activity grew 0.85% to 28.5% of all production, while single-family homes declined by 0.87% to 63.5%. Despite the monthly increase, new construction market share is down 4% YoY, pointing to a broader builder pullback.

Rates and pricing

Benchmark rates climb: The OBMMI ended July at 6.72%, up 5 bps after dipping to ~6.625% earlier in the month. FHA rose 3 bps to 6.50%, VA increased 4 bps to 6.33% and jumbo jumped 11 bps to 6.89%.
MSRs dip: Mortgage servicing rights (MSRs) for conforming 30-year loans fell 3 bps to 1.19, moving in counter to OBMMI, but impacted by increases in intramonth volatility.
Futures activity rises: CME futures tied to the OBMMI are attracting increased interest from MSR holders and pipeline hedgers seeking to manage rate risk. MSR values tend to fluctuate with interest rate expectations, and recent activity suggests growing demand for tools that help mitigate exposure.

Channel and execution

Conventional share slips: The GSE-eligible share declined 0.78% to 52.2%, while non-conforming originations (including jumbo and non-QM) rose 0.62% to 16.8%. FHA, VA and USDA volumes remained flat MoM.
Hedged loan sales shift: Sales to the agency cash window fell 200 bps to 26%, while agency mortgage-backed security (MBS) executions rose to 37%, reflecting stronger securitization activity among large lenders and potential for market share increase from this cohort.
Loan sales favor higher pricing tiers: The share of loans sold at the highest price rose to 70% (+100 bps), while loans sold in the fourth tier or worse fell to 11% (-100 bps), suggesting that eligibility exceptions and representative delivery profiles played a smaller role in pricing decisions than in prior months.

Product mix and borrower profiles

Non-QM reaches record: The share of non-QM loans hit 8% of total volume for the first time, with investor/DSCR at 29%, bank statement loans at 34% and other non-traditional income documentation methods at 38%.
ARMs gain: Adjustable-rate mortgages (ARMs) rose to 9.52% of overall volume in July, up from 8.81% in June, despite the SOFR curve flattening with the 2-year/10-year spread dropping ~ 7 bps, but remaining positively sloped.
Average credit scores: Conforming FICO scores fell 1 point to 756, and FHA scores dropped to 675, while VA remained flat at 713.
Loan amounts dip: The average loan amount was $382,476, down from $386,084 in June. Of the top 30 MSAs, average loan amounts ranged from a high of $609,008 in the New York region to a low of $476,637 in Sacramento, California.

To view the full July 2025 Market Advantage report, complete the free subscription form: 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 Julian Hebron, founder of The Basis Point. Access the podcast: https://market-advantage.captivate.fm/episode/episode-11.

About the Market Advantage Report

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

About Optimal Blue

MULTIMEDIA:

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

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/refinances-tick-up-and-non-qm-hits-record-high-as-purchase-activity-falls-nearly-5-in-july/

Optimal Blue’s New Brand Reflects Its Modern Technology and Proven Expertise and Leadership

Comprehensive new brand includes a new logo, visual identity and messaging focused on the company's role as a trusted, innovative partner that drives the capital markets ecosystem

PLANO, Texas, Aug. 11, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today launched a new brand that emphasizes the company’s market leadership in delivering modern innovation backed by decades of proven, trusted performance. “Optimal Blue is operating in an era defined by accuracy, scale, speed and artificial intelligence – and our new brand embodies that,” said Joe Tyrrell, CEO of Optimal Blue.

Image caption: Optimal Blue’s new brand logo.

“We continue to invest in AI and innovations that help our clients stay accurate, move faster and make smarter, more informed and profitable lending decisions. At the same time, we’re building on more than two decades of trusted expertise, performance and unrivaled pricing accuracy. It’s this combination – modern and proven – that makes Optimal Blue the most trusted partner in the capital markets today.”

The new brand introduces a new logo and visual identity, along with messaging that more clearly depicts Optimal Blue’s role as the engine that powers lender profitability with innovative technology and proven results.

“This new brand is more than a visual update – it’s a bold statement about who we are and where we’re going,” said Sara Holtz, chief marketing officer at Optimal Blue. “Our visual identity and messaging not only reflects all the changes and enhancements that we have recently made, but also the fact that Optimal Blue delivers the best of both worlds: modern technology and decades of trust. It’s a reflection of our momentum and mission to continue delivering the innovative solutions lenders need for success.”

The new logo icon embodies Optimal Blue’s role as the central hub of the capital markets ecosystem – representing unity, continuity, and the full capital markets life cycle. The dual-sided symmetry captures the essence of Optimal Blue’s identity: one side symbolizes innovation through cloud-native infrastructure and AI-driven automation, while the other reflects a legacy of trust, accuracy, and market leadership.

The tagline – Modern. Proven. – captures the essence of the unique value Optimal Blue delivers to mortgage lenders, representing the dual promise the company makes to lenders and the values for which it stands.

Modern: Optimal Blue is built on a foundation of modern innovation that’s designed to evolve. Its platform is API-first, cloud-native, and architected for scale, speed, and resilience. Generative AI, machine learning, and real-time data syncing position the company’s clients to adapt to market shifts and regulatory changes without disruption.
Proven: With decades of experience and the largest market share in key capital markets segments, Optimal Blue is a proven and trusted name in mortgage technology. The company’s deep expertise, honed over decades, powers the precision, compliance, and confidence lenders rely on to power profitability.

The company has begun implementing the new brand across all channels today, and it expects to have all updates complete in early 2026.

About Optimal Blue

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

MULTIMEDIA:

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NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blues-new-brand-reflects-its-modern-technology-and-proven-expertise-and-leadership/

Velocity Credit Union Breaks Ground on New Southwest Austin Branch

AUSTIN, Texas, Aug. 7, 2025 (SEND2PRESS NEWSWIRE) — Velocity Credit Union is proud to announce the official groundbreaking of its newest branch, located at the southeast corner of Davis Lane and Brodie Lane in Southwest Austin. This expansion reflects the credit union’s continued commitment to serving its growing membership and delivering convenient, modern financial services to communities across Central Texas.

Photo caption: Velocity Credit Union President/CEO Debbie Mitchell (second from right) joins with members of our architectural and contracting firms in breaking ground on the credit union’s newest branch, located at the southeast corner of Brodie Lane and Davis Lane in Austin, TX. The facility is slated to open in first quarter 2026.

The new, full-service branch is designed with flexibility and member experience at the forefront. Members will enjoy the benefits of modern technology and personalized service at the site, which includes two Interactive Teller Machine (ITM) drive-thru lanes, teller pods, four private offices, and dedicated spaces for the Branch Manager and Assistant Branch Manager.

“Expanding into the fast-growing Southwest Austin community is an exciting milestone for us,” said Debbie Mitchell, Velocity Credit Union President & CEO. “We’re thrilled to bring our personalized service, local values, and financial empowerment to more members — right where they are.”

The branch was designed in collaboration with Studio Steinbomer Architects (www.steinbomer.com), Tsen Engineering, Wilson & Girgenti Engineering Services, Wuest Group Civil Engineering and Austin Canyon Corporation (www.austincanyon.com), General Contractors, ensuring thoughtful design and construction aligned with Velocity’s member-first values.

This new location marks an exciting time for the organization, coinciding with Velocity’s broader brand refresh—including a new logo and updates to all existing branch locations. The Southwest Austin branch is expected to open in the first quarter of 2026.

For more information, visit https://www.velocitycu.com/.

About Velocity Credit Union:

Velocity Credit Union has served Central Texans for over 75 years with a mission to provide exceptional financial products, personal service, and support for the communities it serves. Membership is open to those who live or work in the five-county Austin area.

MULTIMEDIA:

Photo 300dpi: https://www.velocitycu.com/content/Velocity_Groundbreaking.jpg

NEWS SOURCE: Velocity Credit Union

This press release was issued on behalf of the news source (Velocity Credit Union), 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/velocity-credit-union-breaks-ground-on-new-southwest-austin-branch/

Shaun Simms of FirstClose named 2025 HousingWire Insider

AUSTIN, Texas, Aug. 1, 2025 (SEND2PRESS NEWSWIRE) — FirstClose™, Inc., a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, announced today that Shaun Simms, Director of the Project Management Office (PMO), has been selected by HousingWire magazine for its annual Insiders awards program.

Image caption: Shaun Simms of FirstClose.

Since joining FirstClose, Simms has built the PMO from scratch, implementing structured, repeatable processes that promote clarity, consistency and strategic alignment. His efforts have sped up execution across key initiatives, including roadmap planning, go-to-market codification and governance reviews.

“Shaun is the driving force behind FirstClose’s transformation into a more agile, execution-focused organization,” said Corey Smith, COO of FirstClose. “He brings order to complexity and keeps us progressing confidently. His leadership style is quiet, precise, and grounded, which has become essential to how we operate.”

In the past year alone, Simms’ work has elevated FirstClose’s operational maturity, enhanced cross-functional collaboration and reinforced a culture of accountability. Colleagues credit him with keeping projects on track and creating the conditions for teams to thrive.

“The HousingWire Insiders are driving forces behind their organizations’ success,” said Clayton Collins, CEO of HW Media. “… Reviewing this year’s nominees and winners, it’s clear that HousingWire Insiders deliver results while elevating their colleagues and teams.”

HousingWire’s Insider award celebrates industry professionals who are essential to their organizations’ success but may not always be in the spotlight. Honorees are selected based on their reputation for excellence, problem-solving abilities and ability to drive outcomes behind the scenes.

About FirstClose

About HousingWire

HousingWire is an information services company that provides unique data and research, respected business journalism, and must-attend events for housing leaders to use to advance their understanding and business outcomes. Our vision is a world in which housing leaders have a complete view of the housing market and a broad community of peers with whom they can connect. We are committed to delivering the data, analytics, media, and events that advance this vision. Because housing is too important for narrow perspectives and missed connections. Informed housing leaders are better housing leaders. A connected housing industry is a better housing industry. And the full picture always reveals new opportunities.

NEWS SOURCE: FirstClose

To view the original story, visit: https://www.send2press.com/wire/shaun-simms-of-firstclose-named-2025-housingwire-insider/

Optimal Blue Fully Automates Best Efforts Locking Directly with Investors

Launch of new capability in the Optimal Blue PPE allows lenders to eliminate all manual steps when executing best efforts locks

PLANO, Texas, July 30, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced a new capability in its industry-leading product, pricing and eligibility (PPE) engine that fully automates the process for a lock desk user to execute best efforts locks directly with participating investors via API. By eliminating the last remaining manual step in the locking life cycle, Optimal Blue is delivering innovations and enhancements that will help significantly increase a lender’s efficiency and profitability. The Optimal Blue PPE is the first pricing engine to fully automate this critical stage of the secondary market workflow for investors with support for all loan types, including both agency and non-agency programs.

Image caption: Optimal Blue logo.

“This is a game-changer for capital markets teams that will save an average of 15 minutes per loan, which is hours saved per day,” said Tiffany McGarry, vice president of product management at Optimal Blue. “Lock desk users can now complete the entire best efforts lock transaction from within the Optimal Blue PPE – no toggling between systems, no rekeying of data and no lost time. It’s a meaningful step forward for day-to-day productivity that helps protect lenders against costly errors and compliance issues, while giving investors a more streamlined path to work with their originator partners.”

The Optimal Blue PPE already automates loan pricing, lock requests and post-lock changes, and the company’s hedging platform already supports automation for mandatory execution. Until the release of this capability, completing a best efforts lock required the lender’s secondary desk to log in to the investor’s portal and re-enter loan details by hand. This enhancement eliminates this final step to execute the lock, fully automating the process.

Best efforts lock requests can now be sent directly to an investor via API, reducing the time required from an average of 15 minutes per loan to just seconds. Loan data flows securely to the investor and back, keeping the loan origination system record up to date and generating a PDF confirmation that provides a clear audit trail and proof of execution. The feature is available at no additional cost to lenders and requires little to no setup or configuration.

The new capability offers a compelling way for the more than 240 investors in Optimal Blue’s network to stand out to over 1,000 originators by delivering a faster, more streamlined means to lock. To participate, investors should contact their Optimal Blue representative to complete a one-time API setup.

“This is the first time investors have been able to complete best efforts locks through real-time, system-to-system connectivity with their lender partners,” said Erin Wester, chief product officer at Optimal Blue. “We’ve already set up this integration with select investor partners, and it’s been exciting to see the positive momentum it is already building for their businesses. It’s a strategic edge that improves execution, strengthens lender-investor relationships and streamlines the path to purchase – and one only Optimal Blue can deliver as the industry’s most connected capital markets platform.”

Future phases of the best efforts lock feature will add support for profile updates, extensions and other post-lock changes as well as integration into the CompassEdge platform – enhancing consistency and reducing downstream data mismatches. For more information, lenders and investors using the Optimal Blue PPE should contact their account representative.

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 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/.

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NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-fully-automates-best-efforts-locking-directly-with-investors/

Click n’ Close Honored as Top USDA Wholesale Mortgage Lender Award for Second Consecutive Year

ADDISON, Texas, July 9, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close, a multi-state mortgage lender, today announced it has been honored for the second year in a row as a 2025 Top Wholesale Lender Champion by the United States Department of Agriculture. This recognition underscores Click n’ Close’s continued commitment to fostering homeownership and supporting community development through innovative lending programs.

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

“It’s an incredible honor to once again be recognized by the USDA for our work in the wholesale channel,” said Jeff Bode, founder and CEO of Click n’ Close. “This award is a testament to our team’s unwavering commitment to making affordable home financing more accessible to families nationwide. Moments like these fuel our mission and inspire us to keep pushing boundaries in support of homebuyers across every community we serve.”

Click n’ Close has extended more than $1.1 billion in down payment assistance (DPA) with USDA first-lien mortgages to nearly 7,000 borrowers this fiscal year through its SmartBuy™ proprietary DPA program, which features multiple second-lien options with no first-time homebuyer requirement or income limits beyond USDA guidelines.

Last year, Click n’ Close also introduced Shared Appreciation Mortgage (SAM) loan program, which offers a below-market interest rate for first-lien FHA and USDA loans and repayable second lien in exchange for up to 40% of the home’s appreciation during the first five years. Other innovations include Click n’ Close’s One-Time Close (OTC) program, which offers 100% combined loan-to-value (CLTV) financing to cover land, construction and closing costs with no down payment or minimum investment required, as well as the option to finance the USDA’s 1% Guarantee Fee up to 101% LTV.

The award ceremony took place on Thursday, June 24, in Washington, D.C. The event celebrated the achievements of 24 top lending partners nationwide in nine categories, with Click n’ Close recognized for its leadership and innovation in advancing affordable housing opportunities.

About Click n’ Close, Inc.:

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

NEWS SOURCE: Click n' Close Inc.

To view the original story, visit: https://www.send2press.com/wire/click-n-close-honored-as-top-usda-wholesale-mortgage-lender-award-for-second-consecutive-year/

Refis, Product Shifts and Strong Agency Participation Define June Market Advantage Report

Optimal Blue data shows modest lock volume growth as purchase activity levels off and investor demand for shorter-duration assets grows

PLANO, Texas, July 8, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released its June 2025 Market Advantage mortgage data report showing total lock volume rose 1.95% month-over-month (MoM), driven by increased refinance activity. Refinance share climbed from 16% to 18% of all locks as rate-and-term refinances jumped 17.4% MoM and 18.4% year-over-year (YoY). Cash-out refinances rose 8.1% from May and nearly 28% YoY. Meanwhile, purchase activity held relatively steady – a better-than-expected result for June, when the spring homebuying season typically tapers off.

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

The report includes 19 mortgage data metrics, including additional borrower profile metrics and secondary market indicators newly introduced last month. One of these new metrics, non-QM lending, accounted for 7.4% of all June rate locks – a share that has gradually increased in recent months as lenders and borrowers explore alternative qualification paths.

“As market conditions evolve and affordability challenges persist, non-QM lending offers a path for qualifying creditworthy borrowers who may not meet qualified mortgage guidelines,” said Mike Vough, head of corporate strategy at Optimal Blue. “The steady rise in this category reflects the industry’s growing focus on flexibility and meeting borrowers where they are.”

On the capital markets side, the aggregator share of loan sales dropped 300 basis points (bps) MoM to 35%, suggesting that the agencies improved pricing margins and gained market share, either via the cash window or MBS securitizations.

“Given current news headlines, the decrease in aggregator market share corresponding with the increase in agency market share is noteworthy,” said Vough. “Both loans sold to the cash window and via MBS securitization were up 2% month over month. This highlights the need for lenders to review multiple investors and delivery methods to squeeze the most out of their loan sales.”

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

Rates edge lower: The 30-year conforming loan rate dropped 17 bps to 6.67%. Jumbo rates fell 24 bps to 6.78%. FHA rates declined 6 bps to 6.47%, and VA rates decreased 16 bps to 6.29%.
Product mix shifts: Conforming share rose 114 bps to 53% of total volume, while non-conforming dipped 25 bps to 16.2%. FHA share declined 80 bps to 18.9%. VA and USDA shares held steady at or near last month’s levels at 11.3% and 0.7%, respectively.
Credit quality unchanged: The average FICO score edged up 1 point to 733.
Loan characteristics hold steady: The average loan amount declined slightly to $386,084. Across the top 30 MSAs, average loan amounts ranged from a high of $586,997 in metro New York to a low of $311,331 in Indianapolis. Average loan-to-value (LTV) ratio stood at 80.5%. Debt-to-income (DTI) ratio averaged 36.8% for conforming loans, 44.7% for FHA and 43.8% for VA.
ARMs decline: Adjustable-rate mortgage (ARM) share fell to 8.81%, compared to 9.11% in May. This decrease coincided with a slight flattening of the yield curve compared to the previous month.
Market spread trends remain steady: The 10-year Treasury yield dropped 17 bps to 4.24%, while the OBMMI 30-year conforming fixed rate (the benchmark for CME Group’s Mortgage Rate futures) declined 17 bps to 6.67%, keeping the spread steady at 2.43%.
Loan sales trend in agencies’ favor: Bulk aggregator sales declined 300 bps to 35%, while agency share grew as cash and MBS executions each rose 200 bps, signaling stronger agency appetite.
Loan pricing improves: The share of loans sold at the highest price increased 100 bps to 69%, while sales in the lowest pricing tier declined 100 bps to 12%, suggesting that loan characteristics or eligibility requirements played a smaller role in driving price dispersion.
Servicing valuations edge lower: MSR values for 30-year conforming loans declined slightly to 1.226%, tracking alongside the decrease in mortgage rates.
Pull-through rates increase: Supported by late-month rate improvements and steady new construction activity, purchase pull-through rose 170 bps to 84.8% and refinance pull-through climbed 29 bps to 62.6%.

To view the full June 2025 Market Advantage report, complete the free subscription form: 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 Rob Kessel, founder of Panoramic Capital Advisory and Consulting. Access the podcast: https://market-advantage.captivate.fm/episode/episode-10.

About the Market Advantage Report

Optimal Blue issues the Market Advantage mortgage report each month to provide 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 reflects 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 effectively bridges the primary and secondary mortgage markets to deliver the industry’s only end-to-end capital markets platform. The company helps lenders of all sizes and scopes maximize profitability and operate efficiently so they can help American borrowers achieve the dream of homeownership. Through innovative technology, a network of interconnectivity, rich data insights, and expertise gathered over more than 20 years, Optimal Blue is an experienced partner that, in any market environment, allows lenders to optimize their advantage from pricing accuracy to margin protection, and every step in between. To learn more, visit https://OptimalBlue.com/.

MULTIMEDIA:

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

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/refis-product-shifts-and-strong-agency-participation-define-june-market-advantage-report/

FirstClose’s SVP of HR Katie Smith named 2025 HousingWire Woman of Influence

Smith's leadership has helped FirstClose drive innovation, retention and culture-building while scaling its home equity lending technology platform in a volatile market

AUSTIN, Texas, July 3, 2025 (SEND2PRESS NEWSWIRE) — FirstClose™, Inc., a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, announced its Senior Vice President of Human Resources Katie Smith has been named a 2025 HousingWire Woman of Influence. The national award recognizes her exceptional leadership, commitment to company culture and impact on the fintech and mortgage lending industry.

Image caption: FirstClose’s SVP of HR Katie Smith.

Smith has played a key role in guiding FirstClose through a volatile market cycle, emphasizing transparency, support and people-first strategies. Over the past year, she launched a companywide leadership and management training program with 100% participation. Her efforts resulted in a 35% increase in employee satisfaction and a 50% reduction in voluntary turnover. Smith also led efforts to expand FirstClose’s workforce by 20% in 2025 while strongly emphasizing onboarding and culture. She guides executive recruitment, leads companywide meetings and is often the first point of contact for employees seeking support or mentorship.

“Katie is not just our head of HR. She is the cultural cornerstone of FirstClose,” said Tedd Smith, CEO of FirstClose. “Her leadership has carried this organization through challenging market cycles, not only stabilizing our workforce but transforming it. From championing leadership development to personally supporting teams through change, Katie brings a rare combination of strategic vision, empathy and consistency that has elevated every facet of how we work and grow.”

Outside of FirstClose, Smith contributes to HR leadership forums and mentors professionals entering the field. Her advocacy for strong people practices reflects her belief that culture is key to business success.

“It’s an incredible honor to be recognized by HousingWire,” Smith said. “But this recognition is really a reflection of the incredible team I have the privilege to serve every day. At FirstClose, we’ve worked hard to build a culture where people feel supported, empowered and connected to something bigger than themselves. What drives me is helping people thrive and making sure our values are reflected in everything we do.”

Now in its 16th year, the Women of Influence award honors leaders across mortgage, real estate and fintech who are making a measurable impact on their organizations and the broader housing economy. Winners were selected by HousingWire’s editorial team and a panel of industry professionals, based on their professional accomplishments, industry contributions, community involvement, and overall influence. The 2025 list reflects the depth and diversity of talent leading housing into the future.

“This year’s honorees reflect the depth of talent and leadership shaping today’s housing economy,” said Sarah Wheeler, Editor-in-Chief at HousingWire. “With a strategic vision and a deep commitment to their teams and communities, these women are not only driving progress but also paving the way for the next generation of leaders.”

About FirstClose:

Headquartered in Austin, Texas, FirstClose, Inc. 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 https://www.firstclose.com/.

NEWS SOURCE: FirstClose

To view the original story, visit: https://www.send2press.com/wire/firstcloses-svp-of-hr-katie-smith-named-2025-housingwire-woman-of-influence/

Magan’s HandShield™ Helps Protect Your Skin from Harmful Effects of LED Nail Gel Curing Lamps

DALLAS, Texas, June 17, 2025 (SEND2PRESS NEWSWIRE) — While emerging scientific evidence highlights the heightened cancer risk from exposure to LED nail gel curing lamps, what has been missing is a convenient and effective product to give you greater peace of mind during your mani and pedi. Introducing Magan’s HandShield™: a patented*, natural mineral-based spray uniquely designed to help protect skin from the harmful radiation damage caused by LED nail gel curing lamps.

Image caption: Magan’s HandShield™ Helps Protect Your Skin from Harmful Effects of LED Nail Gel Curing Lamps.

Magan’s HandShield is simply sprayed directly onto your skin and nails right before nail gel application. It is a light, clean, water-based mist that dries quickly, leaving no greasy or pasty residue, without interfering with nail gel curing. Magan’s HandShield elevates your nail gel mani and pedi experience, knowing it helps protect your skin and nails.

Image caption: Magan’s HandShield (detail).

Dr. Lawrence Eichenfield, a leading dermatologist, summarizes “LED nail gel lamps expose people to significant skin damage including risk of skin cancer and premature skin aging due to the harmful radiation and chemicals they produce. Magan’s HandShield is specifically designed and uniquely formulated to protect skin and nails from these harmful effects.”

Magan’s HandShield is available on Amazon at: https://a.co/d/47mPOQF.

Now You Can Relax and Enjoy Your Mani-Pedi With Greater Peace of Mind.

*Patented formulation (U.S. 11,407,649, U.S. 12,180,084, among several other patents granted & pending worldwide).

For more information about Magan’s HandShield, please visit https://magans-handshield.com/.

Magan’s HandShield is a registered trademark of Magan Material Sciences, a Dallas-based company.

PHOTO link for media: https://www.Send2Press.com/300dpi/25-0617-s2p-handshield-300dpi.jpg

Photo caption: Magan’s HandShield™ Helps Protect Your Skin from Harmful Effects of LED Nail Gel Curing Lamps.

NEWS SOURCE: Magan Materials Sciences Inc.

This press release was issued on behalf of the news source (Magan Materials Sciences 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/magans-handshield-helps-protect-your-skin-from-harmful-effects-of-led-nail-gel-curing-lamps/

Autocraft Bodywerks’ New 23,000 sq. ft. Bee Cave | 71 West Location Is Officially Open for Business!

AUSTIN, Texas, June 12, 2025 (SEND2PRESS NEWSWIRE) — Autocraft Bodywerks is proud to announce the opening of its fourth state-of-the-art collision repair center, located on State Highway 71 in Spicewood, Texas. This new 23,000-square-foot facility has achieved I-CAR Gold Class status and is proudly sponsored by BMW of South Austin and Audi of South Austin, as it works toward becoming the only BMW and Audi-certified collision repair center in the area. The company’s expanded footprint, led by Manager Robbie Mulderrig will better serve customers in West Austin, Westlake, Bee Cave, Lakeway, Spicewood, and the surrounding communities.

Image caption: From left to right: Robbie Mulderrig, Manager at Autocraft Bodywerks Bee Cave | 71 West; Chris Raeder, Principal at Autocraft Bodywerks; 2007 Porsche 911 GT3 courtesy Porsche Austin.

Conveniently located at 22110 State Hwy 71W, Spicewood, TX 78669, the new Autocraft Bodywerks location brings over 40 years of industry experience to the region. Known for its exceptional customer service, Autocraft Bodywerks is committed to the highest quality repairs using only OEM (Original Equipment Manufacturer) parts, purchased directly from vehicle manufacturers.

“Autocraft has proudly served the Austin community since 1984,” said Principal Chris Raeder. “This new, state-of-the-art facility gives our guests another convenient option for trusted collision repair. Our goal is to bring advanced repair solutions to more Austin-area communities for when they need them most.”

Choosing the right collision center after an accident is crucial. For more information about Autocraft Bodywerks and the services we offer, contact us at any of our locations:

Autocraft Bodywerks, now with locations in South Austin, North Austin, San Marcos, and Bee Cave | 71 West serving the Lakeway, Spicewood, Bee Caves and surrounding communities, is a locally owned and operated Austin, Texas based collision repair company that has been restoring Automotive Dreams Since 1984.

Autocraft is approved for Porsche, Tesla, Rivian, Mercedes-Benz, Lexus, Lucid, Hyundai, Kia, Nissan, and Ford/Lincoln collision repairs, with the training and equipment to handle all aspects of collision repairs for these high-tech vehicles.

In addition, Autocraft is Austin’s premier I-CAR Gold Class body shop specializing in the repair and restoration of luxury vehicles. Autocraft Bodywerks combines the latest technology and the most comprehensive training available to repair all makes and models of damaged vehicles and restore them back to the original factory specifications for performance and structural integrity. The team of collision repair specialists at Autocraft Bodywerks has years, and in many cases, decades of experience in automotive collision repair. Autocraft Bodywerks is Aluminum Certified. Autocraft Bodywerks uses only OEM (Original Equipment Manufacturer) replacement parts.

For more information about Autocraft Bodywerks services please call Autocraft Bodywerks South at 512-441-7444, Autocraft Bodywerks North at 737-238-3752, Autocraft Bodywerks San Marcos at 512-214-8696, Autocraft Bodywerks Bee Cave | 71 West at 512-266-2512, or visit https://www.AutocraftBodywerks.com/.

MEDIA CONTACT INFORMATION:
Chris Raeder
Autocraft Bodywerks
512-441-7444
Chris@AutocraftBodywerks.com

NEWS SOURCE: Autocraft Bodywerks

This press release was issued on behalf of the news source (Autocraft Bodywerks), 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/autocraft-bodywerks-new-23000-sq-ft-bee-cave-71-west-location-is-officially-open-for-business/

Zeteo Biomedical Secures Global Patents for Nasal and Ophthalmic Drug Delivery Device Innovations

CEDAR PARK, Texas, June 11, 2025 (SEND2PRESS NEWSWIRE) — Zeteo Biomedical, a privately held biomedical device company, today announced the issuance of new patents in the United States and European Union for its advanced drug delivery technologies. The patents, titled “Cartridge Devices for Administration of a Medicament” (U.S. Patent No. 12329949) and “Hand-Operated Devices for Administration of a Medicament” (EU Patent No. 3946526), further strengthen Zeteo’s ZTech™ delivery platform portfolio for the administration of drugs and biologics via nasal, ophthalmic, and sublingual routes.

Image caption: Zeteo Biomedical.

These patented innovations advance Zeteo’s ZTech-L™ and ZTech-P™ delivery systems, which include both single-use disposable and multi-dose, cartridge-reloadable handheld devices. The platforms support the administration of therapeutics in both liquid and dry powder formulations, including vaccines, biologics, and specialty drugs. Nasal delivery, in particular, is emerging as a highly effective, non-invasive alternative for treating conditions such as pain, emesis, seizures, neurodegenerative and autoimmune disorders, infectious diseases, and bioterror threats.

“We are seeing increasing global demand for metered-dose nasal, ophthalmic, and sublingual delivery devices that are compact, intuitive, and suitable for self-administration,” said Timothy Sullivan, CEO of Zeteo Biomedical. “A unique feature that sets our device technology apart is its ability to function reliably in any physical orientation, making it ideal for medication delivery in both terrestrial and space-based microgravity environments. This capability opens exciting new frontiers for Zeteo including applications in space-based healthcare.”

Zeteo’s integrated delivery platforms and technical services streamline the development and commercial-scale production of patient-centric drug/device combination products for pharmaceutical and biotech partners. This focus on patient-friendly design improves treatment adherence and medical outcomes, while enhancing product differentiation and brand value for manufacturers.

Zeteo’s platform technologies are designed to meet the evolving demands of global and interstellar healthcare markets, delivering precision, performance, and portability for the next-generation of therapeutic drug/device combination products.

About Zeteo Biomedical LLC

Zeteo Biomedical is a Texas-based medical device company focused on the development and commercialization of advanced drug and biologic delivery systems. The company specializes in intranasal, ophthalmic, and sublingual delivery technologies designed to improve patient outcomes through precision dosing, portability, and ease of use. Zeteo’s proprietary platforms are supported by an extensive patent portfolio and a range of product development services tailored to accelerate time to market for pharmaceutical and biotech clients worldwide.

To learn more, visit https://zeteobiomed.com/.

MEDIA CONTACT:
Cathy Diehl
Zeteo Biomedical LLC
+(1) 512-614-0144
zeteo@zeteobiomed.com

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NEWS SOURCE: Zeteo Biomedical LLC

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

To view the original story, visit: https://www.send2press.com/wire/zeteo-biomedical-secures-global-patents-for-nasal-and-ophthalmic-drug-delivery-device-innovations/

RSI & Associates, Inc. Announces Limited Use of Artificial Intelligence (AI) in Business Valuations

CORPUS CHRISTI, Texas, June 10, 2025 (SEND2PRESS NEWSWIRE) — RSI & Associates, Inc., a leading provider of business valuation, feasibility studies and consulting services, today announced a policy of limited and careful application of Artificial Intelligence (AI) in the preparation and analysis of business valuations. This decision is driven by the firm’s commitment to maintaining the highest standards of accuracy, reliability, and ethical conduct in its valuation practice, particularly in light of current legal, regulatory, and ethical uncertainties surrounding the use of AI in financial analysis.

Image caption: RSI & Associates, Inc.

While recognizing the potential of AI to enhance certain aspects of business valuation, RSI & Associates acknowledges the inherent risks and limitations associated with AI’s current state of development.

These include concerns about:

Data Bias and Accuracy: AI algorithms are trained on historical data, which often contain embedded biases that can compromise the objectivity and reliability of valuation outcomes.
Challenge for Review and Validation: When a valuation is based on an AI model that is not easily understood, it becomes difficult for stakeholders to thoroughly review and validate the assumptions, data, and methodology used. This can lead to a lack of trust in the valuation outcome and potentially render the valuations indefensible.
Defensibility Issues: In legal, lending, and financial settings, business valuations often require demonstrating the logic behind the business valuation process. The “black box” nature in AI models, referring to their lack of transparency, presents a significant challenge, making it difficult to explain how conclusions are reached. If the underlying assumptions and methodology are not clearly articulated and authenticated, parties may challenge the validity of the report’s findings. All too often this concern occurs after a transaction, acquisition or project funding. This is referred to as a ‘post-closing dispute,’ which frequently involves the initiation of legal proceedings.
Evolving Regulatory Landscape:The legal and regulatory framework governing the use of AI in business valuation services is still under development, creating uncertainty, potential compliance risks and legal exposure to both the appraiser and the client. One of the biggest challenges to the use of AI is that of “hallucinations,” where systems produce incorrect or fabricated information. These errors can range from subtle inaccuracies to outright fabrications, often delivered with a high level of confidence, making them difficult to detect. Legal cases related to the fraudulent and irresponsible use of AI are too numerous to list, as the legal landscape on this matter is still evolving. Needless to say, “The jury is still out.”
Expert Judgment Remains Crucial: While AI can assist with valuation process, expert judgment is still essential. Professional analysts must provide context, interpret the AI’s output, and ensure that the valuation is supportable, accurate and adheres to professional standards.

RSI & Associates emphasizes that the core of its business valuation methodology will continue to rely on the expertise and professional judgment of its accredited valuation analysts. These professionals possess the critical thinking skills and industry knowledge necessary to interpret complex data, identify nuanced value drivers, and provide well-supported, defensible valuation opinions. This human element represents the “Art” aspect of Business Valuations.

According to Gerald W. Brown, Sr, President and Senior Business Appraiser at RSI & Associates, “Accurate and reliable valuations depend on the expertise of the appraiser, as the integrity of the valuations must be a priority. Valuations, whether of a company’s stock or from an asset sale perspective, rely on both ‘science’ and ‘art.’ AI can certainly assist with the scientific aspects by processing large datasets and applying algorithms. However, it cannot replace the ‘Art’ demonstrated through human judgment, stakeholder interaction, subjective assessment and qualitative analysis, which are all crucial for a defensible outcome of a certified valuation.”

About RSI:

Founded in 1993, RSI & Associates, Inc. has provided business valuation, feasibility studies, exit planning and consulting services for over 30 years. RSI & Associates serves clients across the United States, in diverse industries, offering comprehensive and objective valuation opinions for a wide range of purposes. RSI & Associates, Inc. is committed to maintaining the highest standards of integrity, professionalism, and client service in every engagement.

Learn more at: https://rsivalue.com/

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NEWS SOURCE: RSI & Associates Inc.

This press release was issued on behalf of the news source (RSI & Associates 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/rsi-associates-inc-announces-limited-use-of-artificial-intelligence-ai-in-business-valuations/

Optimal Blue Releases May Data Findings, Announces Expansion of Monthly Report for More Comprehensive Lender Profitability Insights

Company adds nine new data metrics to its Market Advantage mortgage data report for deeper view into drivers of lending profitability, including DTI, loan sale execution and borrower profiles

PLANO, Texas, June 10, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released the May 2025 edition of its now-expanded Market Advantage mortgage data report, which features newly added borrower profile and capital market datasets for a more comprehensive picture of early-stage mortgage activity and loan profitability. The enhancements come at a critical time for mortgage lenders navigating heightened interest rates, tighter margins, increased volatility and deepening affordability challenges.

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

NEW DATA REVEALS DEEPER INSIGHTS INTO BORROWER BEHAVIOR AND CAPITAL MARKETS DYNAMICS

This month’s report includes five new borrower profile metrics, including first-time homebuyer status, debt-to-income ratio and citizenship, as well as four new secondary market indicators, including data on loan sale execution and servicing valuations. These insights help lenders understand not just who is borrowing, but how loan performance and profitability are being shaped in capital markets.

“The Market Advantage has long been a trusted source for early mortgage market insights, and we’ve used Optimal Blue’s position as the leader in capital markets technology to take the report to the next level,” said Mike Vough, head of corporate strategy at Optimal Blue. “These new metrics provide deeper insight into the interconnectedness of front-end borrower affordability and back-end loan sale execution, allowing housing finance professionals and market observers alike to better understand how primary market activity and secondary market dynamics intersect to drive lending profitability.”

SPRING HOMEBUYING SEASON UNDERPERFORMS AS AFFORDABILITY TIGHTENS

While May typically brings a seasonal lift in purchase activity, this year’s data tells a different story. Total lock volume fell 5.87% month-over-month (MoM), and purchase activity was flat – a clear underperformance for what is typically one of the strongest homebuying months of the year. Rising interest rates further suppressed refinance incentives, dragging refinance share down from 21% to 16%.

“Rising mortgage rates are squeezing borrower affordability, while tighter spreads are putting pressure on lenders in the secondary market,” said Brennan O’Connell, director of data solutions at Optimal Blue. “With the brief window of affordability relief now closed, the new data shows first-time buyers are feeling the strain, with modest declines in their share of conforming and FHA loan locks.”

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

Overall lock activity declines: Total mortgage rate lock volume fell 5.87% MoM, reflecting a more difficult rate environment.
Refinance activity drops sharply: Refinance share declined from 21% to 16% as rising rates further eroded borrower incentive. Rate-and-term refinances were down 44.4% MoM, while cash-out refis fell 10%.
Spring purchase demand underwhelms: Purchase activity was flat MoM, and purchase lock counts (which control for home price appreciation) were down 10% year-over-year (YoY).
Rates rise and spreads tighten: The OBMMI 30-year conforming fixed rate (the benchmark for the CME Mortgage Rate futures) rose 16 basis points to 6.84%. The 10-year Treasury yield increased 26 bps to 4.41%, narrowing the OBMMI-Treasury spread to 2.44%, a 10 bps MoM contraction. This signal of rising secondary market pressure was reinforced by slight declines in two of the newly added metrics in this month’s report: servicing valuations and the share of loans executed at the highest price.
Product mix shifts modestly: Conforming loan share rose to 51.9% (up 92 bps), and nonconforming share edged up to 16.4% (up 4 bps). Government-backed lending declined as FHA share fell to 19.7% (down 52 bps), VA dropped to 11.4% (down 48 bps) and USDA lending held steady at 0.7%.
Credit quality holds steady: The average FICO score and average debt-to-income (DTI) ratio held steady across various loan programs.
Loan amounts trend lower: The average loan amount dipped slightly to $386,460 from April’s $387,523. Average loan-to-value (LTV) ratio stood at 80.87%. Across the top 30 metropolitan statistical areas, average loan amounts ranged from a high of $602,888 in metro New York to a low of $385,597 in Raleigh, North Carolina.
ARM usage declines: Adjustable-rate mortgages accounted for 9.11% of lock volume, down from 10.3% in April.
FTHB share softens: First-time homebuyer share was 42% for conforming loans (down 1%), 68% for FHA (down 2%) and 48% for VA (up 1%). The decline in conforming and FHA FTHB share suggests affordability headwinds may be weighing more heavily on entry-level borrowers.
Non-QM lending edges up: Loans locked under expanded guidelines (i.e., non-QM) represented 7.36% of May’s volume, continuing a gradual upward trend as lenders and borrowers explore alternative qualification paths.

To view the full May 2025 Market Advantage report, complete the free subscription form: 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 Optimal Blue CEO Joe Tyrrell. Access the podcast: https://market-advantage.captivate.fm/episode/episode-9/

ABOUT THE MARKET ADVANTAGE REPORT

Optimal Blue issues the Market Advantage mortgage data report each month to provide 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

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

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-releases-may-data-findings-announces-expansion-of-monthly-report-for-more-comprehensive-lender-profitability-insights/

Optimal Blue Launches New Lead Generation Tool for Originators

Capture for Originators helps lenders approach borrowers at the right time with 'makes sense' refinance scenarios

PLANO, Texas, June 9, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced a new product that helps originators efficiently track and identify refinance opportunities so they can reengage borrowers with eligible refinance options at the right time. Available to Optimal Blue PPE users, Capture for Originators dramatically reduces the manual effort loan officers currently spend evaluating refinance potential by automatically analyzing entire portfolios each month and putting recapture opportunities directly into originators’ hands.

Image caption: Optimal Blue.

“Instead of expecting originators to review all of their past clients to find refinance opportunities, we have given them a solution that automatically identifies an opportunity, provides pricing options and generates a presentation to the borrower,” said Mike Vough, head of corporate strategy at Optimal Blue. “Capture gives originators an efficient, data-driven way to identify borrower savings and turn that opportunity into reality.”

Capture for Originators goes far beyond basic rate alerts. It provides a user-friendly dashboard that surfaces closed loans with refinance potential, complete with break-even calculations for multiple scenarios, closing cost estimates and borrower savings analysis. By automatically factoring in lender fees and current pricing from the Optimal Blue PPE, Capture helps loan officers act quickly and accurately without spreadsheets or manual data pulls.

Once an opportunity is identified, Capture for Originators generates pre-filled borrower outreach emails that include an easy-to-read summary of available refinance options backed by the industry-leading accuracy of the Optimal Blue PPE along with a link to the lender’s point-of-sale experience or borrower intake form. The tool also streamlines an originator’s ability to evaluate new refinance prospects. Loan officers can input referral details directly within the Capture for Originators interface, as well as send an intake form directly to new prospects, making it easy to start the conversation with referred borrowers and instantly analyze their existing loan. An activity log tracks all borrower outreach history.

Developed in partnership with Uplist, a leading SaaS platform for the real estate industry, Capture for Originators includes all the data sources loan officers need to assess refinance potential. That includes automated valuation models (AVMs), county records and live pricing elements, including branch and originator margins and concessions – all integrated out of the box. With this data in place, lenders can deliver personalized refinance offers without the complexity and cost of managing external integrations or market-tracking tools.

“Our approach at Uplist is all about giving originators more efficiency and accuracy, and we are thrilled to partner with Optimal Blue to make these benefits accessible to more originators,” said Jeff Bell, president of Uplist. “Rather than spending up to 30 minutes manually evaluating each loan and creating presentations, originators can now rely on Capture for Originators to identify refinance opportunities they might otherwise miss – and deliver them to clients with minimal effort.”

To begin taking advantage of Capture for Originators, Optimal Blue PPE users should contact their Client Services representative or Sales@OptimalBlue.com.

About Optimal Blue:

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NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-launches-new-lead-generation-tool-for-originators/

CaptainU Relaunches as Stack Athlete, Enhancing the College Sports Recruiting Journey for Athletes

PLANO, Texas, June 3, 2025 (SEND2PRESS NEWSWIRE) — CaptainU, one of the leading online collegiate sports recruiting platforms, announced its relaunch as Stack Athlete on May 20, 2025. This change reflects Stack Athlete’s ongoing commitment to empowering high school athletes, parents, and college coaches with the best tools to navigate the recruiting journey, now with an even stronger connection to the Stack Sports family.

Image caption: CaptainU is now Stack Athlete.

WHAT THIS MEANS FOR ATHLETES/PARENTS:

NEW Platform & Mobile App – Enhanced recruiting tools and resources that athletes and parents rely on, now also available on our new Mobile App. Athletes will retain all essential features, such as creating professional profiles, highlighting their stats, sharing highlight videos, communicating with college coaches, and more!
Improved User-Friendliness – Upgraded messaging platform with a more intuitive interface for direct communication with college coaches and enhanced mobile features that enable athletes to better showcase their athletic achievements.
Unlimited Access to Educational Resources – Improved wealth of recruiting resources covering topics such as Name Image Likeness, the significance of social media, and college recruiting resources.
New Look & Feel – Updated branding across the new Stack Athlete website, platform, and communications.
Stronger Stack Brand Integration – Greater alignment with Stack Sports, enhancing our ability to serve athletes, parents, coaches, teams, and organizations.

WHAT THIS MEANS FOR COLLEGE COACHES:

While the CaptainU name is changing on the athlete side, CaptainU College for coaches will remain the same for the foreseeable future. Coaches can expect no changes on their end and will continue to have access to one of the largest communities of talented athletes, focused on showcasing their talents to compete at the collegiate level. (Coaches can log into the CaptainU college portal at https://stackathlete.com/users/login.)

OVER 3 MILLION HIGH SCHOOL ATHLETES, COACHES, TEAMS, & EVENTS EMPOWERED

Since its inception, Stack Athlete has empowered over 3 million high school athletes, colleges, teams, and events, helping them fulfill their dreams of playing sports in college. The platform offers athletes tools to create a free or premium recruiting profile, upload images, add athletic and academic statistics, and share highlight videos, as well as direct messaging capabilities to connect and build relationships with college coaches.

Brandon Hollmann, General Manager of Stack Athlete, shared, “This rebrand to Stack Athlete not only reflects our growing commitment to providing athletes with the tools they need to succeed in the ever-evolving sports recruiting landscape but also aligns us more closely with Stack Sports. This exciting change ensures a more integrated, comprehensive experience that benefits the athletes and the coaches.”

For questions or to learn more about this exciting change, please visit http://stackathlete.com/.

ABOUT STACK ATHLETE:

Stack Athlete has led online collegiate sports recruiting for almost two decades, empowering athletes, parents, and college coaches with the tools needed to navigate the recruiting process. With over 3 million users since its inception, Stack Athlete connects high school athletes with college coaches through customized recruiting profiles, highlight videos, direct messaging, and more. Stack Athlete’s platform is designed to help athletes gain exposure and increase their chances of securing athletic opportunities at the collegiate level. For more information, visit https://stackathlete.com/.

About Stack Sports:

With nearly 50 million users in 35 countries, Stack Sports is a global technology leader in SaaS platform offerings for the sports industry. The company provides world-class software and services to support national governing bodies, youth sports associations, leagues, clubs, parents, coaches, and athletes. Some of the largest and most prominent sports organizations, including the U.S. Soccer Federation, Little League Baseball, and Pop Warner, rely on Stack Sports technology to manage their organizations. For more information, visit https://stacksports.com/.

NEWS SOURCE: Stack Sports

This press release was issued on behalf of the news source (Stack Sports), 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/captainu-relaunches-as-stack-athlete-enhancing-the-college-sports-recruiting-journey-for-athletes/

Click n’ Close Appoints Mortgage Wholesale Veteran Tony Catanese as Regional Sales Manager to Lead East Coast Expansion

ADDISON, Texas, May 30, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close, a multi-state mortgage lender and innovator in third-party origination (TPO), announced Thursday that Tony Catanese has joined the company as regional sales manager. In this role, Catanese will lead the company’s wholesale and non-delegated expansion across the East Coast, focusing on building and developing a high-performing sales team.

Image caption: Click n’ Close Appoints Tony Catanese as Regional Sales Manager.

“Tony is a consummate professional whose leadership and depth of experience will be pivotal as we accelerate our expansion efforts across the East Coast,” said Adam W. Rieke, executive director of TPO lending at Click n’ Close. “His proven ability to cultivate strong sales teams and execute strategy aligns perfectly with Click n’ Close’s growth vision and commitment to delivering high-level support to our broker and non-delegated partners.”

Catanese has more than 34 years of experience in wholesale mortgage lending and a long history of managing top-performing sales organizations. Most recently, he served as vice president and eastern regional sales manager for several nationally recognized mortgage lenders, including Kind Lending and Sierra Pacific Mortgage Co.

“I am looking forward to helping Click n’ Close grow its wholesale and non-delegated footprint and market share,” Catanese said. “It’s a privilege to join an organization that combines leadership with the agility to deliver real value to partners and borrowers.”

Catanese’s appointment reflects Click n’ Close’s broader strategic focus on enhancing its presence in key regional markets and providing access to innovative lending programs for third-party originators. As the industry evolves, the company remains dedicated to offering liquidity, agility and strong service across all channels.

About Click n’ Close:

Click n’ Close Inc., formerly known as Mid America Mortgage, is a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels. It is the nation’s leading provider of Section 184 home loans for Native Americans. In operation since 1940, Click n’ Close has established a legacy of innovation and financial strength. The company pioneered the adoption of eClosings and eNotes and has introduced a range of market-responsive loan products, including USDA one-time close construction loans, a proprietary down payment assistance (DPA) program and a reverse mortgage division. By servicing its loan programs in-house and maintaining direct access to capital markets through relationships with Fannie Mae, Freddie Mac, Ginnie Mae and private investors, Click n’ Close ensures dependable execution and long-term value for its partners. Learn more at clicknclose.com.

NEWS SOURCE: Click n' Close Inc.

To view the original story, visit: https://www.send2press.com/wire/click-n-close-appoints-mortgage-wholesale-veteran-tony-catanese-as-regional-sales-manager-to-lead-east-coast-expansion/

ProNotary Expands Remote Online Notarization Services to Five New States

Digital notarization platform now available in Colorado, Michigan, Nevada, New Hampshire, and Pennsylvania - offering professionals a cost-saving alternative to paper-based closings

DALLAS, Texas, Sept. 21, 2025 (SEND2PRESS NEWSWIRE) — ProNotary today announced the expansion of its Remote Online Notarization (RON) platform into five new states: Colorado, Michigan, Nevada, New Hampshire, and Pennsylvania. This milestone allows ProNotary to offer its streamlined, secure digital notarization services to more professionals across the country.

Image caption: ProNotary – remote online notarization.

“With traditional overnight shipping, firms can spend thousands per month just to move paperwork,” said Sam McGuffie, Co-Founder of ProNotary. “ProNotary eliminates that overhead—making it faster, more secure, and easier to complete notarizations from anywhere.”

Used by real estate agents, law firms, lenders, and financial institutions, ProNotary offers a modern solution to an outdated process.

Key benefits include:

Instant document uploads
Real-time ID verification
Encrypted video signing sessions
Immediate access to completed notarizations

In high-volume environments, the savings are significant – firms processing 50 signings per month can spend up to $4,000 on courier fees alone. ProNotary replaces that cost with an elegant, compliant online alternative.

About ProNotary:

ProNotary is a secure Remote Online Notarization platform trusted by legal, financial, and notary professionals nationwide. With robust compliance tools, seamless onboarding, and support for multi-party signings, ProNotary simplifies the notarization process while improving turnaround times and client satisfaction. https://pronotary.com/

MEDIA ONLY CONTACT:
Katie Tremulis
katie@pronotary.com

NEWS SOURCE: ProNotary

This press release was issued on behalf of the news source (ProNotary), 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/pronotary-expands-remote-online-notarization-services-to-five-new-states/

Optimal Blue Releases Executive-Level AI Insights Tool, Ask Obi, to Clients

The no-cost, AI-powered assistant is built for executive decision-makers seeking fast answers to complex business profitability questions

PLANO, Texas, May 19, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced that Ask Obi, an AI-powered assistant designed to help mortgage lending executives extract real-time insights from across Optimal Blue’s capital markets platform, is now generally available to all PPE clients. Introduced at the company’s inaugural user conference in February and refined through beta testing with select clients, Ask Obi provides executives with fast answers to complex profitability questions at no additional cost.

Image caption: Optimal Blue logo.

Ask Obi is built for executive decision-makers who need reliable, data-driven answers to complex business questions. By aggregating data across Optimal Blue’s solutions, it enables users to ask conversational questions – such as ‘where did margins shift the most last quarter?’ or ‘which branches issued the highest concessions last month?’ – and receive clear, visual responses that support confident, strategic decisions. An interface sidebar retains previous queries, making it easy to revisit past prompts or rerun commonly used questions with a single click.

“Ask Obi fills a critical need for lending leaders: making capital markets performance data not just accessible, but actionable,” said Erin Wester, chief product officer at Optimal Blue. “What makes Ask Obi stand apart is its ability to synthesize information across systems. Most AI tools in our space are focused narrowly on origination workflows, but Ask Obi helps executive teams view their operations holistically and at a level that’s often difficult to achieve without a dedicated analyst.”

Although available as a standalone product, Ask Obi is powered by and seamlessly connected to other Optimal Blue offerings. The more products a client uses, the deeper and more contextual Ask Obi’s insights become. As part of a broader rollout of AI-powered capabilities, Ask Obi complements tools like Optimal Blue’s recently launched Originator Assistant, which helps front-line originators compare and present optimal loan scenarios.

Ask Obi’s general availability comes just ahead of the Mortgage Bankers Association’s Secondary and Capital Markets Conference and marks another milestone in a series of planned enhancements for Optimal Blue clients this year.

About Optimal Blue

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NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-releases-executive-level-ai-insights-tool-ask-obi-to-clients/

Lock Volume Rises 3.2% in April, Driven by Uptick in FHA Loans, Despite Economic Volatility

Optimal Blue's April 2025 Market Advantage data report shows stronger purchase activity, a shifting loan mix, and signs of investor caution

PLANO, Texas, May 13, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released its April 2025 Market Advantage mortgage data report showing total loan lock volume rose 3.2% month-over-month (MoM) as the spring homebuying season progressed, with purchase locks up 7.5% despite ongoing economic pressures.

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

April kicked off with significant volatility in the bond market as investors responded to tariff announcements. Over the first 10 days of the month, interest rates fluctuated between 6.48% and 6.98%, a 50-basis-point (bps) range. The benchmark OBMMI 30-year conforming fixed rate briefly fell below 6.5% for the first time since October 2024 before climbing to end the month at 6.7%, about 10 bps above where it started.

“Last month’s report showed early signs of spring homebuyer activity, and April confirms the season is underway with a solid increase in purchase locks,” said Brennan O’Connell, director of data solutions at Optimal Blue. “We also saw a shift toward FHA loans, often used by first-time or credit-challenged buyers, and away from non-conforming products, possibly reflecting investor caution in response to broader economic uncertainty.”

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

Interest rate turbulence: Rates whipsawed at the start of the month amid market reactions to new tariff developments, dropping by one-eighth essentially overnight. The OBMMI 30-year conforming fixed rate – the benchmark for the CME Mortgage Rate futures contract – finished April at roughly 6.7%, up from 6.6% in March. FHA rates rose 17 bps to 6.44%, VA rates rose 9 bps to 6.28%, and jumbo rates climbed 11 bps to 6.84%.
YoY purchase volume down, again: While MoM purchase locks were up 7.5%, they were down 5% YoY. Isolating purchase loan counts reveals a deeper 7% YoY decline, continuing a trend seen each month so far this year.
FHA loans gain ground as other categories slip: FHA share rose to 20.2% in April, gaining 50 bps, while non-agency lending fell 46 bps to 16.4%. The shift suggests reduced investor risk tolerance amid economic uncertainty. Conforming loan share dipped slightly to 51%, and VA share also declined modestly to 11.8%. USDA volume remained steady at 0.6%.
Adjustable-rate mortgages rise: ARMs accounted for 10.34% of total lock volume in April, up from just under 9% in March, as buyers looked for ways to improve affordability.
Refinance activity stalls: After a couple of very strong days early in the month, refinance volume fell off in response to rising interest rates. Rate-and-term refis dropped 15% MoM, and cash-out refis dipped 3%. Refinance share fell from 25% in March to 21% in April.
Loan amounts, home prices edge down: The average loan amount declined to $387.5K from $391.7K, while the average purchase price slipped to $483.5K from $486.9K. Regional differences remain stark; average loan amounts ranged from $601,660 in the New York City metro area to $374,945 in greater Minneapolis.

The full Market Advantage report, which provides more detailed findings and additional insights into U.S. mortgage market trends, can be viewed at (PDF): https://www2.optimalblue.com/OB_MarketAdvantage_MortgageDataReport_Apr2025.pdf

This month’s Market Advantage podcast features Optimal Blue Chief Product Officer Erin Wester, discussing the impact of technological innovations in the mortgage industry. Watch or listen to the episode: https://market-advantage.captivate.fm/episode/episode-8/.

About the Market Advantage Report

Optimal Blue issues the Market Advantage mortgage data report each month to provide early insight into U.S. mortgage trends. Leveraging lender rate lock data from the Optimal Blue PPE – the mortgage industry’s most widely used product, pricing, and eligibility engine – the Market Advantage provides a view of early-stage origination activity. Unlike self-reported survey data, mortgage lock data is direct-source data that accurately reflects the in-process loans in lenders’ pipelines.

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

About Optimal Blue

MULTIMEDIA:

Image link for media: https://www.Send2Press.com/300dpi/25-0513-s2p-opbluapril-300dpi.jpg

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

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/lock-volume-rises-3-2-in-april-driven-by-uptick-in-fha-loans-despite-economic-volatility/

Optimal Blue Brings AI-Powered Originator Assistant to Market, Helping Originators Present Best Possible Loan Options to Borrowers

Leader in mortgage capital markets technology delivers on innovations unveiled at Summit user conference

PLANO, Texas, May 1, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced the general availability of Originator Assistant, a powerful addition to the Optimal Blue PPE. Leveraging generative AI, Originator Assistant eliminates human bias in the loan structuring process and helps originators identify all options for a borrower, providing more ways to help consumers realize the American dream of homeownership.

Image caption: Optimal Blue.

Unveiled at the inaugural Optimal Blue Summit in February and now available to all Optimal Blue PPE clients using the enhanced originator interface, Originator Assistant is an AI-powered recommendation engine that simplifies loan structuring by identifying alternate scenarios with more competitive pricing. The tool automatically detects pricing breakpoints and suggests opportunities for more strategic loan discussions, saving loan officers time and eliminating manual guesswork. The tool evaluates loan options based on various parameters while searching for pricing incentives on the peripheral or opportunities for adjustment to achieve different terms. Combined with Scenario Optimizer, which enables side-by-side comparisons, Originator Assistant gives lenders a distinct advantage in presenting the best options to borrowers.

Further building on its delivery of innovation, Optimal Blue also announced the beta release of enhanced Lock Extensions workflows, a feature reimagined in close collaboration with the company’s clients. The feature gives lenders greater control, automation and flexibility over lock extension policy management. The new Lock Extensions experience allows Optimal Blue PPE users to configure policies across multiple investors using global product groups, significantly reducing manual work and complexity. It also introduces a step-by-step configuration workflow, advanced toggles to support compliance considerations, and automation tools for processing and tracking extension requests. Together, Originator Assistant and Lock Extensions help lenders respond faster to market conditions, reduce manual error and apply lock policies with greater consistency and precision.

“Originator Assistant and our enhanced Lock Extensions feature are great examples of how we listen closely to our customers and build solutions that solve real problems,” said Erin Wester, chief product officer at Optimal Blue. “These latest enhancements demonstrate that innovation is not just a promise at Optimal Blue, it’s a practice. Our clients can continue to expect exciting product updates as Optimal Blue heads toward the MBA Secondary and Capital Markets conference later this month.”

Both enhancements are accessible by Optimal Blue PPE clients with no setup required. Originator Assistant runs automatically, and existing lock extension policies will be migrated to the new Lock Extensions experience, allowing clients to begin making updates right away. Additional innovations introduced at the Optimal Blue Summit, including Rules Optimizer, Ask Obi and the Solution Center, are expected to reach general availability later this spring.

About Optimal Blue

LOGO link for media: https://www.Send2Press.com/300dpi/14-0625-s2p-optimal-blue-300dpi.jpg

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blue-brings-ai-powered-originator-assistant-to-market-helping-originators-present-best-possible-loan-options-to-borrowers/

Tune into Timeless Elegance: The Retro Radio Collection by Vooglam

Whether you're channeling the glamour of Hollywood's golden era or adding a playful lift to your everyday style, these cat eye designs deliver instant confidence and undeniable charm

AUSTIN, Texas, April 30, 2025 (SEND2PRESS NEWSWIRE) — Vooglam invites you to dial back to a golden era of charm and sophistication with the Retro Eyewear Collection. Evoking the spirit of classic airwaves and vintage soundscapes, this collection harmonizes the timeless beauty of the past with today’s contemporary flair. Designed for those who believe that true style never goes out of fashion, these frames are a perfect tribute to an era when every detail mattered.

Image caption: Black Cat Eye Glasses Crafted by Vooglam.

Cat Eye Glasses: A Legendary Reimagining

Few shapes have stood the test of time like cat eye glasses. In the Retro Radio Collection, Vooglam reinvents this classic silhouette with fresh colors, daring angles, and creative flair. Whether you’re channeling the glamour of Hollywood’s golden era or adding a playful lift to your everyday style, these cat eye designs deliver instant confidence and undeniable charm.

Transparent Glasses: A Clear Standout

Minimalist yet bold, transparent glasses are a key feature of this collection. Crafted for those who love a clean, modern aesthetic with a retro heartbeat, these frames offer versatility that complements every outfit, mood, and moment. The subtlety of clear frames highlights your natural features, letting your authentic self shine through with effortless style.

Square Glasses: Sharp Lines for Bold Minds

For those who prefer a touch of structure and definition, the Retro Radio Collection features striking square glasses. Combining vintage inspiration with sharp modern lines, these frames are perfect for anyone who embraces individuality and isn’t afraid to make their own rules. With their bold edges and sturdy design, square frames provide the perfect harmony of fashion and function.

Round Glasses: Classic Curves, Enduring Spirit

No celebration of retro fashion would be complete without the timeless allure of round glasses. Whether evoking scholarly charm or free-spirited creativity, Vooglam’s round frames add a sense of whimsy and refinement to any look. Perfectly balanced and exquisitely crafted, they embody the enduring spirit of those who appreciate the beauty of a well-told story.

Crafted for the Modern Trailblazer

Each frame in the Retro Radio Collection is built to honor the craftsmanship of the past while meeting the demands of today’s dynamic lifestyles. Lightweight materials, thoughtful construction, and iconic designs ensure that you don’t just wear your frames—you live in them, comfortably and stylishly.

Rediscover the Power of Personal Expression

Vooglam’s Retro Radio Collection isn’t just eyewear—it’s an invitation to embrace the melodies of your own unique style. Whether you’re drawn to the daring lift of cat eye glasses, the clarity of transparent glasses, the bold spirit of square glasses, or the timeless elegance of round glasses, you’ll find a frame that plays your perfect tune.

Explore the full Retro Radio Collection today at Vooglam.com and turn up the volume on your personal style journey.

About Vooglam

Established in 2017, Vooglam creates high-quality eyewear inspired by today’s style tribes, transforming the functional into tools for self-expression. With a catalog of almost 2,000 unique frame designs available in over 170 countries, serving more than one million customers, Vooglam delivers eyewear for every look and need. Learn more: https://www.vooglam.com/.

MULTIMEDIA:

VIDEO (YouTube): https://www.youtube.com/watch?v=GXcdHC9VJsU

Image link for media: https://www.Send2Press.com/300dpi/25-0430-s2p-vooglam-300dpio.jpg

Image caption: Black Cat Eye Glasses Crafted by Vooglam.

NEWS SOURCE: Vooglam

This press release was issued on behalf of the news source (Vooglam), 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/tune-into-timeless-elegance-the-retro-radio-collection-by-vooglam/

NYT Bestselling Relationship Experts Harville Hendrix and Helen LaKelly Hunt Immortalized in New Documentary Film ‘The Heart of Dialogue’

Emmy®-nominated filmmakers fuse cutting-edge AI Avatar technology with decades of relationship wisdom to create interactive experience for future generations

DALLAS, Texas, April 24, 2025 (SEND2PRESS NEWSWIRE) — A new 70-minute documentary and AI interactive experience from Emmy®-nominated filmmakers Chris Brickler and Michael Romero titled “The Heart of Dialogue” is giving future generations the ability to interact directly with the wisdom of legendary relationship experts Harville Hendrix, Ph.D., and Helen LaKelly Hunt, Ph.D.

Photo Caption: (L-R) Helen LaKelly Hunt & Harville Hendrix.

The film captures the lives and groundbreaking insights of the New York Times bestselling authors and their journey to integrate both their work and personalities with advanced AI Avatar technology, resulting in a multilingual, interactive platform designed to set new standards in digital legacy preservation.

On July 31, 2025, audiences worldwide can visit TheHeartOfDialogue.com to watch the documentary and engage directly with interactive avatars of Harville and Helen – all at no cost—giving individuals the opportunity to learn, practice, and improve timeless relationship-building skills taught by Harville and Helen.

Watch the Trailer – https://www.theheartofdialogue.com/

The interactive AI uses Eternalize’s LegacyTwin™ technology to securely create lifelike digital representations of Hendrix and Hunt.

“Harville and Helen are absolute pioneers,” says Chris Brickler, Director of the film and partner in the AI incubator, Eternalize.io. “Michael and I are honored and humbled by their passion and energy for impacting our society globally long after they are gone. This experience is not just about advancement in technology, but also about preserving and passing on the invaluable relationship guidance of Harville and Helen.”

“For decades, we have dedicated ourselves to teaching couples and families how to truly connect—so they feel seen, heard, and valued. The next evolution of our work is through our AI-powered Legacy Twins, which enable anyone with internet access to learn and consistently practice the Dialogue Process with care and guidance,” said Hendrix.

“Feeling safe and connected are among our most essential human needs. With the help of our AI tool, more people than ever will be able to develop these vital skills by learning the Dialogue Process. We designed this tool to eliminate barriers and make our work as accessible as possible—helping individuals identify unmet needs, transform frustrations into clear requests, and ultimately strengthen their relationships with family, friends, and colleagues,” added Hunt.

HARVILLE HENDRIX, PH.D., & HELEN LAKELLY HUNT, PH.D.

New York Times bestselling authors Harville Hendrix and Helen LaKelly Hunt are world-renowned relationship experts who have helped transform our understanding of love and connection. Together, they have written over 12 books with more than 4 million copies sold, including the timeless classic, “Getting the Love You Want: A Guide for Couples.”

ETERNALIZE

Eternalize™ is a safe, secure, and innovative AI for good platform that preserves the image, likeness, wisdom, and legacy of notable public figures and private family members for future generations.

Preview Assets, Film & Avatars

Spectacle Creative Media | press@spectaclecreative.com

Website: TheHeartOfDialogue.com

MULTIMEDIA:

Photo link for media: https://www.send2press.com/300dpi/25-0424-s2p-hunt-hendrix-300dpi.jpg

Photo Caption: (L-R) Helen LaKelly Hunt & Harville Hendrix.

NEWS SOURCE: Helen LaKelly Hunt | HLH Projects LLC

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

To view the original story, visit: https://www.send2press.com/wire/nyt-bestselling-relationship-experts-harville-hendrix-and-helen-lakelly-hunt-immortalized-in-new-documentary-film-the-heart-of-dialogue/

Elite 11 Partners with The GLD Shop to Showcase the Nation’s Top High School Quarterbacks with Exclusive Championship Chains

DALLAS, Texas, April 22, 2025 (SEND2PRESS NEWSWIRE) — Elite 11, a Stack Sports company, stands as the leading platform for spotlighting the nation’s top high school quarterbacks, are excited to announce a new partnership with The GLD Shop, the globally recognized jewelry brand celebrated for honoring winners from all walks of life – whether athletes, artists, or everyday heroes.

Image caption: Elite 11 Partners with The GLD Shop.

This dynamic partnership brings together two renowned brands united by a shared commitment to performance, prestige, and the relentless pursuit of excellence. As the official designer of the Elite 11 Chains, The GLD Shop is creating custom pieces that serve as powerful symbols of achievement for quarterbacks earning their place in the Elite 11 Finals.

“Athletes have played a key role in building the GLD Gang community from the ground up, drawn to our quality jewelry and winning mentality,” said Christian Johnston, Founder and Chief Creative Officer of The GLD Shop. “GLD has always been about celebrating those who set new standards and redefine success, whether in music, sports, fashion, or any other arena. Partnering with Elite 11 is a perfect extension of that mission, and it’s been an incredible experience creating custom pieces that symbolize the hard work, dedication, and championship mindset of these exceptional young athletes.”

Brian Stumpf, Head of Operations for Elite 11, added: “At Elite 11, we pride ourselves in providing a best-in-class experience to the QBs on and off the field and partnering with best-in-class brands in their respective categories. We couldn’t be more excited to work with The GLD Shop and bring some exclusive pieces to the most exclusive QB event in the country.”

From the biggest names in professional sports to rising stars across the globe, The GLD Shop has become the brand that represents those who put in the work to win. This collaboration with Elite 11 honors the next generation of elite athletes—quarterbacks who have earned the right to be recognized for their talent, relentless drive, and leadership on and off the field.

Each Elite 11 Chain is more than just jewelry—it’s a badge of honor, a lasting reminder of a young athlete’s journey, and a marker of the greatness still to come.

About Elite 11:

Founded in 1999 and now part of Stack AthleteX, Elite 11 is the premier quarterback event in the nation. Elite 11 event alumni include 28 of the 32 current NFL starting quarterbacks and 16 of the past 17 quarterbacks who have hoisted the Heisman Trophy. Learn more at https://www.elite11.com/.

About Stack Sports:

Stack Sports is a global technology leader in SaaS platform offerings for the sports industry, with a presence in 35 countries and nearly 50 million users. The company provides world-class software and services to support national governing bodies, youth sports associations, race directors, leagues, clubs, parents, coaches, and athletes. Some of the largest and most prominent sports organizations, including the U.S. Soccer Federation, Little League Baseball and Softball, and Pop Warner Little Scholars, rely on Stack Sports technology to run and manage their organizations. To learn more about how Stack Sports transforms the sports experience, please visit https://stacksports.com.

About The GLD Shop

The GLD Shop is a Miami-based, international lifestyle jewelry brand specializing in both classic and customized chains, pendants, watches, and other accessories for men and women. Since 2015, GLD has been worn by A-list celebrities, including A$AP Rocky, Cardi B, Rihanna, Snoop Dogg, and world-class athletes like Carmelo Anthony, Kevin Durant, and Paul Pogba. GLD is also an official licensing partner of the NBA, NFL, MLB, NCAA, and Marvel. To join the #GLDGang or learn more, visit www.thegldshop.com and follow GLD on Facebook (@thegldshop), TikTok (@shopGLD), Instagram (@shopGLD), YouTube (@thegldshop), and Twitter (@shopGLD).

NEWS SOURCE: Stack Sports

To view the original story, visit: https://www.send2press.com/wire/elite-11-partners-with-the-gld-shop-to-showcase-the-nations-top-high-school-quarterbacks-with-exclusive-championship-chains/

Mission Alive to Transform Rural and Small Town Communities

Mission Alive Receives Grant for Rural and Small Town Initiative

DALLAS, Texas, April 17, 2025 (SEND2PRESS NEWSWIRE) — Mission Alive is delighted to announce the receipt of a grant in support of our new Rural and Small Town Initiative (RSTI) as part of a collaboration with Pepperdine University’s Empower and Equip program. This project, funded by a $7,500,000 grant to Pepperdine University from Lilly Endowment Inc. aims to encourage and support rural and small town churches, their leaders, and their communities.

Image caption: Project logo image Rural and Small Town Initiative by Mission Alive.

“I have long admired the work of Mission Alive, and we are so thankful to have them agree to partner with us in this important work,” said Mike Cope, director of Pepperdine’s initiative.

INNOVATIVE APPROACH TO COMMUNITY TRANSFORMATION

Mission Alive’s approach resonates with the perspective of this grant that communities and churches thrive when focused on local needs. Mission Alive’s Innovative Faith Communities (i.e., churches) adopt a “serve-first” approach, aiming to transform marginalized populations by addressing community needs first and letting faith emerge through service. By focusing on service, we believe the church will thrive and become an anchor institution contributing to community vitality.

COLLABORATIVE EFFORTS

Mission Alive will collaborate with existing rural and small town Innovative Faith Community partners.

Together, we will:

Pilot innovative approaches to enhance partnerships between churches and community organizations
Deepen collective investment in loving our neighbors in tangible ways
Develop strategies to help people and their communities thrive

This grant will accelerate our efforts to pursue positive change in rural areas and small towns nationwide. We are grateful for the support of Pepperdine University in this endeavor.

Mission Alive’s executive director, Tod Vogt said, “While Mission Alive has been focused on starting new innovative communities of faith in rural communities and small towns for some time, this grant will considerably expedite our efforts!”

About Mission Alive

Mission Alive, founded in 2004, is a nonprofit organization that equips and funds leaders to launch, develop, and grow sustainable new Innovative Faith Communities (i.e., church plants) that transform some of the most disconnected and marginalized communities. With additional resources like Discipleship Cohorts, Catalyze Coaching, Outfitter’s Residency, and Renew Church Revitalization, Mission Alive provides training, coaching, and spiritual formation to help existing churches along with their leaders and lay volunteers navigate the challenges of 21st-century ministry. By fostering creative strategies and Spirit-shaped leadership, the organization seeks to renew the church’s role in engaging neighborhoods with the gospel.

To learn more about Mission Alive and its initiatives, visit https://missionalive.org/.

NEWS SOURCE: Mission Alive

This press release was issued on behalf of the news source (Mission Alive), 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/mission-alive-to-transform-rural-and-small-town-communities/

Click n’ Close Expands Correspondent Lending Sales Team with Mortgage Industry Veteran Kim Schenck

Current head of correspondent division Michael Lima to refocus on whole loan trading

ADDISON, Texas, April 9, 2025 (SEND2PRESS NEWSWIRE) — Click n’ Close (CNC), a multi-state mortgage lender, announced today that Kim Schenck has joined its Correspondent Lending Sales team as Correspondent Manager. In her new role, Schenck will lead the expansion of the company’s proprietary down payment assistance (DPA) program, which plays a key role in helping more borrowers achieve homeownership.

Image caption: Click n’ Close, Inc.

“Kim’s extensive experience and proven ability to drive results make her an ideal addition to our team,” said Jeff Bode, owner and CEO of Click n’ Close. “Her focus on our DPA program will help us continue delivering innovative, affordable solutions to our partners and borrowers.”

Schenck brings more than 30 years of experience in mortgage banking, with a strong background in correspondent lending, loan acquisitions and secondary marketing. Her career includes leadership roles at Essex Mortgage, Freedom Mortgage, Bank of America, Greenwich Capital Financial and Sandia Mortgage Corporation, where she built and managed high-performing sales teams, drove strategic growth and developed pricing and rate strategies for large-scale lending operations.

“I’ve had the pleasure of working with Jeff in previous roles and have always admired his sharp insight and shared commitment to empowering both lenders and homebuyers,” said Schenck. “I’m honored to join such a forward-thinking organization and proud to be part of a winning team.”

As part of this transition, Click n’ Close’s Managing Director of Correspondent Lending Michael Lima will shift his focus back to the company’s whole loan trading business, a division he was initially hired to lead.

Lima first joined Click n’ Close – then operating as Mid America Mortgage – shortly after the implementation of the 2016 TILA-RESPA Integrated Disclosure (TRID) rule. Mid America recognized an opportunity as lenders across the country struggled with compliance and were forced to sell affected loans at steep discounts on the scratch-and-dent market. The company entered the space to purchase those loans, resolve the underlying issues and reintroduce them to the market—effectively bringing liquidity where it was desperately needed. Lima was brought in specifically to lead this initiative, leveraging his expertise in capital markets and risk assessment to build a sustainable, scalable secondary market strategy.

Now, as the mortgage industry faces another period of consolidation and economic uncertainty, Click n’ Close is redoubling its commitment to the whole loan trading space, offering a stable, long-term source of liquidity for lenders navigating an evolving landscape. Amid a post-COVID environment where many lenders have reported financial losses, Click n’ Close has remained financially strong and profitable—a track record the company sees as critical to its value proposition moving forward.

“Click n’ Close has always leaned into market disruptions as an opportunity to lead with innovation and stability,” said Lima. “My returned focus to the whole loan trading space will help strengthen the liquidity and reliability our lending partners count on. Our capital markets strategy has always been about fixing what others overlook—and doing it profitably, sustainably and at scale.”

About Click n’ Close, Inc.

Click n’ Close, Inc., formerly known as Mid America Mortgage, is a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels and is also the nation’s leading provider of Section 184 home loans for Native Americans. In operation since 1940, Click n’ Close has thrived by retaining its entrepreneurial spirit and leading the market in innovation, including its adoption of eClosings and eNotes.

Combining this culture of innovation with a risk management mindset enables Click n’ Close to deliver new products to market that address the challenges facing both borrowers and third-party originators (TPOs). These innovations include its USDA one-time close construction loans, proprietary down payment assistance (DPA) program and reverse mortgage division. Its direct relationships with Fannie Mae, Freddie Mac, Ginnie Mae and private investors afford Click n’ Close direct access to the capital markets, thus ensuring maximum liquidity for its product innovations. By servicing its loan programs in-house, Click n’ Close provides its wholesale and correspondent partners with an additional level of certainty regarding loan salability and superior borrower service over the life of the loan.

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

NEWS SOURCE: Click n' Close Inc.

To view the original story, visit: https://www.send2press.com/wire/click-n-close-expands-correspondent-lending-sales-team-with-mortgage-industry-veteran-kim-schenck/

Cooler Interest Rates Heat Up Refinances and Spark Early Signs of Purchase Demand

Optimal Blue's March 2025 Market Advantage report shows an increase in non-conforming share as buyers seek greater flexibility and higher loan limits

PLANO, Texas, April 8, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today released its March 2025 Market Advantage mortgage data report, showing a 24% surge in rate lock volume as early spring buyers returned to the market and homeowners jumped at the chance to refinance into lower rates. While still down 2% on a year-over-year (YoY) basis, purchase volumes were up 21% month-over-month (MoM). Rate-and-term and cash-out refinances jumped 52% and 20% MoM, respectively, together representing 25% of all lock activity.

Image caption: Optimal Blue’s March 2025 Market.

“March brought a notable shift in borrower behavior,” said Brennan O’Connell, director of data solutions at Optimal Blue. “Refinances made up a quarter of all lock activity for the first time in six months, and we saw a clear rise in non-conforming loan share as buyers looked for more flexible options and higher loan amounts. These are key indicators that consumers are actively adapting to the current rate environment.”

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

Refinances take share from purchase loans: Strong growth in refi activity during March pushed the share of refinances up to 25%, the highest level seen since September 2024. The pull-through rate for refinances was 63.3%.
Purchase volume up MoM, but down YoY: Despite positive MoM momentum, purchase activity was down 2% YoY. Isolating loan counts instead of dollar volume – effectively controlling for home price appreciation – reveals an even steeper 6% decline in purchase activity. The pull-through rate for purchase loans was 82.9%.
Non-conforming share rises: Conforming loan production continued to hover near historic lows, while non-Agency loan share hit its highest level since April of 2022. Non-conforming loans, which include jumbo and non-QM loans, accounted for 16.8% of total rate lock volume. Conforming loan share fell to 51% and FHA share dropped to 19.6%, while VA volume inched upward, reaching nearly 12% share.
Adjustable-rate mortgages gain steam: ARMs accounted for just below 9% of total rate lock volume in March, a result tied to growing demand for non-conforming loan options. Optimal Blue will continue to monitor this data point as buyers search for greater affordability.
Rates stay relatively flat: After a strong rally the last week of February, the OBMMI 30-year conforming fixed rate – the benchmark for the CME Group’s Mortgage Rate futures – finished the month flat at 6.6%. FHA rates fell 8 basis points (bps) to 6.27%, while VA and jumbo rates rose a modest 3 and 4 bps to 6.13% and 6.73%, respectively.
Refi credit quality ticks higher: March saw a 3-point increase in average credit scores for both cash-out and rate-and-term refinances, rising to 735 and 699, respectively, as higher-credit homeowners acted quickly on refinance opportunities.
DTI trends downward: The average debt-to-income (DTI) ratio across all loans dropped from February’s 37.3% to 36.7% in March, reflecting income growth outpacing the rise in household debt [*note 1]. This fall in DTI represents a healthier balance between monthly income and debt than tracked in previous months.
Loan sizes grow alongside home prices: The average home purchase price rose from February’s $480.2K to $486.9K in March, driving a MoM increase in average loan amount from $380.5K to $391.7K.

This month’s Market Advantage podcast features Optimal Blue Head of Corporate Strategy Mike Vough, offering additional market insights. Watch or listen to the episode: https://market-advantage.captivate.fm/episode/episode-7/.

About the Market Advantage Report

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

About Optimal Blue

NOTE/CITATION:

[1] https://libertystreeteconomics.newyorkfed.org/2024/11/income-growth-outpaces-household-borrowing/

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/cooler-interest-rates-heat-up-refinances-and-spark-early-signs-of-purchase-demand/

Iowa Soccer Taps Stack Tourney to Power Its Events and Expand its Partnership with Stack Sports

PLANO, Texas, April 2, 2025 (SEND2PRESS NEWSWIRE) — Stack Tourney, a Stack Sports Company, is excited to announce that Iowa Soccer Association has expanded its partnership with Stack Sports by adopting the Stack Tourney platform to streamline and enhance tournament management for its festival/cup events. Iowa Soccer will leverage Stack Tourney to support tournaments such as the League America Festival, which has recently opened registration and takes place May 2-4.

Image caption: Iowa Soccer Taps Stack Tourney to Power Its Events and Expand its Partnership with Stack Sports.

By integrating Stack Tourney into its suite of Stack Sports solutions, Iowa Soccer aims to simplify and optimize tournament operations, including flexible and customizable registration forms, integrated payments, customizable division structures, and dynamic scheduling. The platform also offers a clean, mobile-friendly public-facing interface, ensuring a seamless experience for players, coaches, and families.

Daniel Smith, General Manager of Stack Tourney, expressed his enthusiasm about the expanded collaboration:

“We’re thrilled to build on our longstanding relationship with Iowa Soccer by bringing Stack Tourney into the fold. Our platform is built to simplify tournament operations, and we’re excited to help Iowa Soccer deliver even more seamless and engaging experiences for players, coaches, and families.”

Craig Winger, Chief Member Services Officer at Iowa Soccer Association, highlighted the benefits of the platform:

“Our partnership with Stack Sports has been instrumental in enhancing our operations, and the addition of Stack Tourney will bring even greater efficiencies to our tournaments. The flexibility and robust features of the platform allow us to streamline registration, payments, scheduling, and overall event management, ensuring a smoother experience for all involved.”

This latest development underscores Iowa Soccer’s ongoing commitment to innovation and operational efficiency, building upon its existing use of other Stack Sports products, including Sports Connect, Stack Officials, and Stack Team App. By consolidating its technology solutions under Stack Sports, Iowa Soccer continues to enhance its ability to deliver high-quality competitions while improving communication and simplifying the business of sports

For more information about Stack Tourney and its tournament management solutions, visit the Stack Tourney website – https://sportsconnect.com/stack-tourney/.

Click here for more information about Iowa Soccer and its programs: https://www.iowasoccer.org/.

About Iowa Soccer Association

Iowa Soccer is the governing body for soccer in the state of Iowa, dedicated to fostering the growth and development of the sport at all levels. Through its leagues, tournaments, and development programs, Iowa Soccer provides opportunities for players, coaches, and referees to excel in the game while promoting a lifelong love of soccer.

About Stack Tourney

Stack Tourney is a leading tournament management platform designed to streamline the organization and execution of sports tournaments. With powerful features including team registration, facility management, live scoring, and communication tools, Stack Tourney simplifies operations for event organizers while enhancing the participant experience.

About Stack Sports

With nearly 50 million users in 35 countries, Stack Sports is a global technology leader in SaaS platform offerings for the sports industry. The company provides world-class software and services to support national governing bodies, youth sports associations, leagues, clubs, parents, coaches and athletes. Some of the largest and most prominent sports organizations, including the U.S. Soccer Federation, Little League Baseball and Softball, and Pop Warner Little Scholars, rely on Stack Sports technology to run and manage their organizations.

Stack Sports is headquartered in Dallas and is leading the industry one team at a time, focusing on four key pillars — Grassroots Engagement, Participation Growth, Recruiting Pathways and Elite Player Development. To learn more about how Stack Sports is transforming the sports experience, please visit https://stacksports.com/.

Stack Tourney Media Contact Details:
Mark Wysocki
Senior Consultant, Strategic Partnerships, Stack Sports
mark.wysocki@stacksports.com

NEWS SOURCE: Stack Sports

To view the original story, visit: https://www.send2press.com/wire/iowa-soccer-taps-stack-tourney-to-power-its-events-and-expand-its-partnership-with-stack-sports/

Optimal Blue’s Shawn Chandwani Named to HousingWire’s 2025 Rising Star List

Award recognizes emerging leaders in real estate and mortgage who have achieved remarkable milestones before the age of 40

PLANO, Texas, April 1, 2025 (SEND2PRESS NEWSWIRE) — Optimal Blue today announced that Senior Software Engineering Manager Shawn Chandwani, 34, has been named among HousingWire’s Rising Stars. The annual list celebrates young professionals who shoulder significant leadership responsibilities and contribute to the broader industry and business landscape, establishing themselves as influential figures and leaders for tomorrow.

Image caption: Shawn Chandwani of Optimal Blue.

Just a decade into his career, Chandwani already personifies that level of achievement. The senior software engineering manager leads Optimal Blue’s AI initiatives, uniting cross-functional teams to collaborate with partners like Microsoft and ensure Optimal Blue continually differentiates itself in the market with new product innovations.

In 2024, Chandwani led Optimal Blue’s development of two AI-driven products: Ask Obi, an AI assistant that makes it easy for executives to get insights from their Optimal Blue products and data without running and analyzing reports, and Originator Assistant, an AI-powered tool in the Optimal Blue PPE that identifies alternate loan scenarios to help LOs offers more competitive pricing and spark strategic discussions that win borrowers’ business.

Both Ask Obi and Originator Assistant were showcased at Optimal Blue’s inaugural Summit user conference, where 60 customers immediately signed up to be beta testers. Their enthusiastic reception underscores Optimal Blue’s mission to help lenders maximize profitability on every loan, an ethos Chandwani champions each day.

“I really appreciate how we listen to each other here, from the newest member of the team to the most seasoned, because we know great ideas can come from anyone at any level,” said Chandwani. “I am grateful for the opportunity to do what I love and appreciate the external recognition, which really is a recognition of the innovative work done by Optimal Blue’s entire engineering team.”

“The Rising Stars award is a celebration of the incredible energy, innovation and talent shaping the future of housing,” said Sarah Wheeler, editor-in-chief at HousingWire. “This year’s winners are not only excelling in their respective fields but are also redefining what’s possible in the industry. Their creativity and leadership inspire confidence in the industry’s future, and I can’t wait to see how they continue to drive progress.”

For HousingWire’s complete list of 2025 Rising Stars, visit https://www.housingwire.com.

About Optimal Blue

NEWS SOURCE: Optimal Blue

To view the original story, visit: https://www.send2press.com/wire/optimal-blues-shawn-chandwani-named-to-housingwires-2025-rising-star-list/

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