Company Overview - Enact Holdings, Inc. operates primarily through its wholly-owned subsidiary Enact Mortgage Insurance Corporation since 1981, and is a leading U.S. private mortgage insurance provider [4] - The company is committed to helping more people achieve homeownership by partnering with lenders to provide best-in-class service, underwriting expertise, and risk management [4] - Enact is headquartered in Raleigh, North Carolina [4] Upcoming Financial Events - Enact will issue its second quarter earnings release after the market closes on July 30, 2025 [1] - A conference call to review the second quarter 2025 financial results is scheduled for July 31, 2025, at 8:00 a.m. (ET) [1] - The earnings release, summary presentation, and financial supplement will be available on the company's website at the time of their public release [1] Participation in Conference Call - Participants interested in the live question and answer session must pre-register to obtain a dial-in number and unique PIN [2] - It is recommended to join the call at least 15 minutes in advance, although registration can occur ahead of the call [2] - A live webcast of the event will also be available on the company's website for those who do not plan to ask questions [2] Archiving of Webcast - The webcast of the conference call will be archived on the company's website for one year [3]

Core Viewpoint - New York Mortgage Trust, Inc. is set to report its financial results for the second quarter of 2025 on July 30, 2025, with a conference call scheduled for July 31, 2025 [1][2]. Company Overview - New York Mortgage Trust, Inc. is a Maryland corporation that operates as a real estate investment trust (REIT) for federal income tax purposes [3]. - The company is internally managed and focuses on acquiring, investing in, financing, and managing primarily mortgage-related single-family and multi-family residential assets [3].

Market Trends - US mortgage rates increased for the first time in six weeks [1]

Core Insights - The second-quarter 2025 earnings season is expected to show resilience and an improving outlook for the banking sector and overall market [1] - Total S&P 500 earnings are projected to increase by 4.9% year-over-year, driven by a 3.9% rise in revenues [2] - Nine out of sixteen Zacks sectors are anticipated to report earnings growth, with Consumer Discretionary leading at 105.6% [3] Sector Performance - Consumer Discretionary sector is expected to see the highest earnings growth at 105.6%, followed by Aerospace at 15.1%, Technology at 11.8%, Finance at 7.8%, and Utilities at 7.7% [3] - The "Magnificent 7" companies are projected to have an 11.3% increase in earnings with an 11.2% rise in revenues compared to the same period last year [3] ETF Highlights - Consumer Discretionary Select Sector SPDR Fund (XLY) has an AUM of $22.5 billion and an expense ratio of 0.08% [5] - iShares U.S. Aerospace & Defense ETF (ITA) holds $8.4 billion in AUM with an expense ratio of 0.40% [6] - Vanguard Information Technology ETF (VGT) manages $95 billion in assets and has an expense ratio of 0.09% [7] - Financial Select Sector SPDR Fund (XLF) has an AUM of $51.3 billion and charges 0.08% in annual fees [8] - Utilities Select Sector SPDR (XLU) has an AUM of $19.1 billion and an expense ratio of 0.08% [9]

Core Insights - Freddie Mac reported that the 30-year fixed-rate mortgage (FRM) averaged 6.72% as of July 10, 2025, an increase from 6.67% the previous week, but a decrease from 6.89% a year ago [1][5] Group 1: Mortgage Rate Trends - The 30-year FRM increased slightly after five consecutive weeks of decline, influenced by a stronger than expected jobs report [2] - The 15-year FRM also saw an increase, averaging 5.86%, up from 5.80% the previous week, and down from 6.17% a year ago [5] Group 2: Market Response - Home purchase applications increased by 25% and refinance applications rose by 56% compared to the same time last year, indicating a positive response to the downward trend in mortgage rates [2]

Vancouver, British Columbia--(Newsfile Corp. - July 10, 2025) - Dominion Lending Centres Inc. (TSX: DLCG) ("DLCG" or the "Corporation"), one of Canada's leading franchisors of mortgage professionals and owner of Newton Connectivity Systems, will release its second quarter 2025 results on August 7, 2025, after market close. A conference call and webcast will be held to discuss the results on August 7, 2025, at 4:00 p.m. Mountain Time (6:00 p.m. Eastern Time). Second Quarter 2025 Webcast and Conference CallD ...

Applications for mortgages increased 9.4% for the week ending July 4, as rates on home loans fell to 6.77%. https://t.co/PWaMYwLqze ...

Group 1 - Sensor Unlimited is part of the investing group Envision Early Retirement, which focuses on generating high income and growth with isolated risks through dynamic asset allocation [2] - The group offers two model portfolios: one for short-term survival/withdrawal and another for aggressive long-term growth, along with direct access for discussions, monthly updates, and tax discussions [2] - Sensor Unlimited has a PhD in financial economics and has spent the last decade covering the mortgage market, commercial market, and banking industry, with a focus on asset allocation and ETFs [3] Group 2 - The article emphasizes the importance of proven solutions in investment strategies to mitigate risks while aiming for high returns [2] - It highlights the role of quantitative modeling in understanding market dynamics and making informed investment decisions [3]

Core Insights - Pennymac, a leading U.S. mortgage lender, has achieved over 50% annual telecom savings and significantly accelerated loan processing times by migrating to Bandwidth's cloud communication platform [1][3][4] Group 1: Cost Efficiency - The migration to Bandwidth's platform has resulted in more than 50% annual telecom savings for Pennymac [1][3] - The partnership has improved business-critical performance metrics, including a faster time to close for each loan [4][7] Group 2: Customer Experience - Pennymac's customer service communication is now faster and more agile, with automation expediting underwriting and shortening loan finalization times [5] - New conveniences for customers include 24/7 payment options through an automated contact center, enhancing overall customer experience [5] Group 3: Compliance and Risk Management - Pennymac leverages its new cloud communications systems to support compliance and mitigate risk, automating critical TCPA compliance checks for outbound calls [6] - The system ensures calls are not made to individuals on the National Do Not Call Registry or outside reasonable hours, enhancing regulatory compliance [6] Group 4: Technological Advancements - The use of Bandwidth's platform has provided Pennymac with advanced capabilities such as sophisticated call routing, conversational AI, and pre-built integrations with leading marketplace technologies [4][7] - The ability to tap into rich metadata from IP voice calls has allowed for enhanced performance analysis [4]

Market Trends - US mortgage applications to purchase a home jumped to the highest level since early 2023 [1] Financial Indicators - Borrowing costs barely budged [1]