PROVIDENCE, R.I., Oct. 30, 2025 (GLOBE NEWSWIRE) -- via IBN -- Beeline (NASDAQ: BLNE), the digital mortgage lender built for next-generation homeowners, today announced it locked 21 loans and just under $8 million in locked volume on Thursday October 29th, the same day the Fed announced rate cuts for a second consecutive month setting new highs for the emerging digital lender's leading indicators. Locked loans and locked volume are the strongest indicators for revenue over the next 30 to 45 days. Beeline a ...

Financial Performance - Rithm Capital reported GAAP Net Income of $193.7 million, or $0.35 per diluted share, with an 11% Return on Equity[21] - Earnings Available for Distribution (EAD) reached $296.9 million, or $0.54 per diluted share, resulting in an 18% Return on Equity[21] - The company's book value stood at $7.1 billion, or $12.83 per common share[21] - Cash and liquidity amounted to $2.2 billion[21] Strategic Acquisitions - Rithm Capital entered into a definitive agreement to acquire Crestline Management, L P, with approximately $18 billion in AUM, on September 3, 2025[67] - A definitive agreement was also reached to acquire Paramount Group, Inc on September 17, 2025[26] - Rithm expects to have $1.3 billion of cash & cash equivalents after closing the Crestline and Paramount transactions[35] Business Segment Highlights - Genesis Capital's Q3 2025 origination volume reached $1.2 billion, representing a 60% year-over-year increase[27,99] - Newrez platform delivered 20% ROE in Q3'25, excluding MSR MTM and related hedge adjustment of ($61.0) million[117,124] - Sculptor had $1.4 billion of gross inflows in Q3'25, bringing Sculptor's AUM to $37 billion[33] - The total servicing portfolio for Newrez is $878 billion UPB[11]

Core Viewpoint - Rocket Companies Inc (NYSE:RKT) is experiencing a resurgence in stock performance due to favorable conditions in the real estate market and a dovish shift in Federal Reserve monetary policy [1][2]. Group 1: Market Conditions - The Federal Reserve has lowered the benchmark interest rate to a range between 3.75% to 4%, which is expected to alleviate financing costs for prospective homebuyers [2][3]. - There is evidence of a shift in the housing market, with some sellers offering discounts due to buyer reluctance to meet high asking prices [4]. - A simultaneous drop in both interest rates and housing prices could positively impact the housing market, making RKT stock an attractive consideration [5]. Group 2: Earnings Expectations - Rocket Companies is anticipated to report third-quarter earnings of 3 cents per share on revenue of $1.69 billion, with management's commentary expected to drive market sentiment more than the actual earnings report [6]. - There is a possibility that Rocket could exceed earnings expectations based on broader real estate trends [7]. Group 3: Quantitative Analysis - The projected 10-week returns for RKT stock suggest a price range between $16.90 and $18.10, with clustering around $17.35 [8]. - Under current market conditions, the risk-reward profile for RKT stock could shift to a low of $15.75 and a high of $19.25, with a predominant clustering around $17.75 [10][11]. - A positive delta of 2.31% in price density dynamics could provide an asymmetric edge for options-based strategies [11]. Group 4: Trading Strategies - A recommended trading strategy is the 17/18 bull call spread expiring on December 19, which involves buying the $17 call and selling the $18 call for a net debit of $42, with a maximum profit potential of over 138% [12][15]. - An alternative strategy for those speculating on a positive earnings report is the same 17/18 spread for the November 21 expiration, with a maximum payout of approximately 133% [15].

Core Insights - Rocket Companies (RKT) is expected to report quarterly earnings of $0.04 per share, reflecting a year-over-year decline of 50% [1] - Revenue is anticipated to reach $1.75 billion, showing an increase of 32.1% compared to the same quarter last year [1] Earnings Estimates Revisions - The consensus EPS estimate has been revised 37.5% higher over the last 30 days, indicating a collective reevaluation by analysts [2] - Revisions to earnings estimates are significant indicators for predicting investor actions regarding the stock [3] Revenue Projections - Analysts project 'Revenue- Gain on sale of loans- Gain on sale of loans excluding fair value of MSRs, net' to be $547.46 million, a year-over-year change of +8.1% [5] - 'Revenue- Gain on sale of loans- Fair value of originated MSRs' is estimated at $376.96 million, reflecting an increase of +11.6% from the prior year [5] - 'Revenue- Loan servicing income- Servicing fee income' is projected at $406.53 million, indicating a year-over-year change of +8.8% [6] - 'Revenue- Other income' is expected to be $446.97 million, showing a significant year-over-year change of +48.8% [6] - 'Revenue- Gain on sale of loans, net' is projected to reach $924.41 million, a change of +9.5% from the year-ago quarter [7] - 'Revenue- Interest income, net' is expected at $34.34 million, indicating a substantial change of +409% from the prior year [7] - 'Revenue- Interest income- Interest income' is projected to be $114.19 million, reflecting a year-over-year change of +5.2% [7] Stock Performance - Over the past month, shares of Rocket Companies have returned -9.7%, contrasting with the Zacks S&P 500 composite's +3.8% change [8] - Currently, RKT holds a Zacks Rank 2 (Buy), suggesting potential outperformance in the near future [8]

LitFinancial, a U.S. mortgage lender pioneering a stablecoin-powered mortgage model, is adopting the Cross-Chain Token (CCT) standard on Ethereum to make litUSD natively transferable across blockchains via CCIP.By adopting the Chainlink interoperability standard, @LitFinancial_ is unlocking RWA innovation & enabling a more efficient capital model for mortgage lending. ...

Core Insights - Mortgage rates are experiencing fluctuations, with the 30-year fixed mortgage rate increasing to 6.21% and the 15-year fixed rate decreasing to 5.40% [1][16] - The Federal Reserve's recent actions, including rate cuts, are influencing mortgage rates, but significant drops are not expected until at least the end of 2025 [13][17] Mortgage Rates Overview - Current mortgage rates include: - 30-year fixed: 6.21% - 20-year fixed: 5.81% - 15-year fixed: 5.40% - 5/1 ARM: 6.37% - 7/1 ARM: 6.29% - 30-year VA: 5.61% - 15-year VA: 5.08% [5] Refinance Rates - Refinance rates are generally higher than purchase rates, with the current 30-year fixed refinance rate at 6.35% [16] Economic Impact - Economists predict that mortgage rates will remain relatively stable through 2025, despite potential rate cuts from the Federal Reserve [17][18] - The CME FedWatch tool indicates a high probability of further rate cuts in the near future, which may influence mortgage rates [14]

Core Insights - Beeline Holdings, Inc. has successfully completed its first round of blockchain-recorded BeelineEquity transactions, marking a significant milestone as the first U.S. platform to tokenize residential home equity at scale [1][2] - The initial rollout of BeelineEquity includes five closed transactions, with five more scheduled for this month and an additional 25 pre-selected to close by year-end, indicating strong homeowner demand for alternatives to traditional home equity loans [2][3] - BeelineEquity allows homeowners to access liquidity from their home equity without incurring debt or monthly payments, with repayment occurring only upon the sale or transfer of the property [3] Company Strategy and Market Potential - The CEO of Beeline emphasizes that homeowners should not need to borrow against their equity to access its value, positioning BeelineEquity as a smarter, more transparent financial alternative free from interest rate fluctuations and credit issues [4] - The company aims to expand into key U.S. markets in 2026, targeting over $15 trillion in trapped residential equity, primarily held by Baby Boomers, with capturing just 10 basis points of this market potentially generating around $525 million in revenue [4] - Applications for the 2026 BeelineEquity program are currently open, showcasing the company's commitment to simplifying home equity access [5]

Core Insights - Beeline Holdings, Inc. has successfully completed its first round of blockchain-recorded BeelineEquity transactions, marking a significant milestone as the first U.S. platform to tokenize residential home equity at scale [1][2] - The initial rollout of BeelineEquity includes five closed transactions, with five more scheduled for this month and an additional 25 pre-selected to close by year-end, indicating strong homeowner demand for alternatives to traditional home equity loans [2][3] - BeelineEquity allows homeowners to access liquidity from their home equity without incurring debt or monthly payments, with repayment occurring only upon the sale or transfer of the property [3][4] Company Strategy and Market Potential - The CEO of Beeline emphasizes that homeowners should not need to borrow against their equity to access its value, positioning BeelineEquity as a smarter, more transparent financial alternative free from interest rate fluctuations and credit issues [4] - The company aims to expand into key U.S. markets in 2026, targeting over $15 trillion in trapped residential equity, primarily held by Baby Boomers, with capturing just 10 basis points of this market potentially generating around $525 million in revenue [4][5] - Applications for the 2026 BeelineEquity program are currently open, showcasing the company's commitment to simplifying home equity access [5]

Core Insights - Beeline Holdings, Inc. has completed its initial round of blockchain-recorded BeelineEquity transactions, becoming the first U.S. platform to offer tokenized home equity access at scale [1][3] - The pilot program has finalized five BeelineEquity deals on the blockchain, with an additional 30 closures expected by year-end [2] - The platform allows homeowners to access liquidity from their real estate value without incurring debt, monthly payments, or credit evaluations, with repayment only triggered upon the property's sale or transfer [3][4] Blockchain and Financial Innovation - Every transaction is securely documented on the blockchain, providing transparent and unchangeable proof of ownership [4] - The blockchain approach creates a smarter, more transparent financial alternative, free from interest rate fluctuations and credit friction [5] Market Potential and Growth - Beeline is targeting key U.S. markets with an estimated $15 trillion in inaccessible residential equity, primarily held by Baby Boomers, with capturing just 10 basis points potentially yielding about $525 million in revenue [6] - The company has scaled its lending operations to $25 million while refining its strategy regarding Artificial Intelligence and future expansion [5][6] - Beeline Holdings shares increased by 3.59% to $3.46 during premarket trading, although the stock is near its 52-week low of $0.62 [6]

Core Insights - Mortgage rates are currently mixed, with the average 30-year fixed mortgage rate at 6.09%, down four basis points, while the 15-year fixed rate increased by seven basis points to 5.44% [1][18][19] - The current rates are the lowest seen in over a year, suggesting it may be an opportune time for potential homebuyers [1] Current Mortgage Rates - The national average for various mortgage types includes: - 30-year fixed: 6.09% - 15-year fixed: 5.44% - 5/1 ARM: 6.22% [5][18] - These rates are rounded to the nearest hundredth and represent national averages [2][18] Refinance Rates - Mortgage refinance rates are generally higher than purchase rates, although this is not always the case [3] - Current refinance rates are also based on national averages rounded to the nearest hundredth [3] Monthly Payment Calculations - For a $300,000 mortgage at a 30-year term with a 6.09% rate, the monthly payment would be approximately $1,816, with total interest paid over the loan's life amounting to $353,777 [9] - For the same mortgage amount at a 15-year term with a 5.44% rate, the monthly payment would increase to $2,442, with total interest paid being $139,508 [11] Adjustable-Rate Mortgages (ARMs) - ARMs typically start with lower rates than fixed-rate mortgages but can increase after the initial fixed period [12][13] - The 5/1 ARM has a fixed rate for the first five years, after which it adjusts annually [12] Strategies for Lower Rates - To secure lower mortgage rates, borrowers should aim for higher down payments, excellent credit scores, and low debt-to-income ratios [15] - Options such as buying down the interest rate through discount points at closing can also be considered [16]