Core Viewpoint - Guaranteed Rate Affinity has promoted Kevin Ginsburg to National Builder Divisional Manager to enhance its builder strategy and expand partnerships in the new-construction market [1] Group 1: Leadership and Strategy - Kevin Ginsburg will lead the company's builder strategy nationwide, focusing on expanding builder partnerships and supporting loan officers [1] - Ginsburg has been part of the leadership team since the company's inception and previously served as Regional President [1] - The promotion reflects the company's strategic investment in the builder segment to strengthen partnerships and capture new business opportunities [1] Group 2: Market Opportunity - The builder market is identified as a significant growth opportunity, prompting the company to be more intentional in pursuing it [1] - Ginsburg's experience in builder-focused lending and team scaling is expected to drive long-term growth for the organization [1] Group 3: Company Overview - Guaranteed Rate Affinity is a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services, having funded over $100 billion in loans since its inception [1] - The company provides mortgage lending services to Anywhere's real estate, brokerage, and relocation subsidiaries, ensuring fast pre-approvals and loan closings [1]

Core Insights - Seacoast Banking Corporation of Florida reported strong financial performance in Q4 2025, highlighting significant loan growth and improved efficiency metrics [6][5][4] Financial Performance - Net interest income reached $174.6 million, a 31% increase from the previous quarter, with net interest margin expanding to 3.44% [1] - Adjusted net income rose 18% year-over-year to $47.7 million, with adjusted pre-tax, pre-provision earnings increasing 39% from the previous quarter [4] - Non-interest income was $28.6 million, up 20% from the prior quarter, driven by stronger fee revenue and mortgage banking activity [9] Loan and Deposit Growth - Organic loan growth was reported at 15% annualized, with commercial production increasing by 22% from the prior quarter [2] - Total deposits increased to $16.3 billion, with deposit costs declining to 1.67% [7] Efficiency and Capital Strength - The adjusted efficiency ratio improved to below 55%, reflecting effective cost management [3] - Tier 1 capital ratio was reported at 14.4%, indicating strong capital levels [14] Wealth Management and Future Outlook - Wealth management income increased by 21% from the prior quarter, with total assets under management growing 37% year-over-year [10] - For 2026, the company anticipates earnings per share between $2.48 and $2.52, with expected adjusted revenue growth of 29% to 31% [17][18]

Core Insights - Guaranteed Rate Affinity (GRA) has appointed Marc Sokobin as Director of Sales and Market Development to enhance growth and leadership within the company [1][4] - Sokobin brings over 30 years of experience in the mortgage industry, having previously held significant roles at major financial institutions [2][3] - The company has funded over $100 billion in loans since its inception, indicating a strong market presence and operational capability [5] Company Overview - Guaranteed Rate Affinity is a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services, with Guaranteed Rate holding a controlling 50.1% stake [5][7] - The company provides comprehensive mortgage lending services, including fast pre-approvals and loan closings, to both brokers and the public [6] Leadership and Strategy - Sokobin's focus will be on recruiting, mentoring, and developing loan officers to support the Brian Scott Cohen Team's growth in the New York market [4][5] - The company aims to leverage its technology platform and partner relationships to enhance performance and expand its market presence [4][5]

Core Insights - Guaranteed Rate Affinity has announced the return of Aaron Wise, a respected mortgage professional with over 20 years of experience, to enhance its lending services and focus on client relationships [1][3][4] Company Overview - Guaranteed Rate Affinity is a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services, having funded over $100 billion in loans since its inception [5] - The company provides mortgage lending services to Anywhere's real estate, brokerage, and relocation subsidiaries, ensuring fast pre-approvals, appraisals, and loan closings [5][6] Aaron Wise's Role - Aaron Wise's return is aimed at leveraging the company's operational support model, which allows loan officers to concentrate on client relationships while a dedicated team manages processing [2] - Wise has built a strong personal brand centered on long-term relationships and referrals, becoming a trusted name in the Chicago market [3] - His commitment to service and operational speed has contributed to his recognition as a member of Guaranteed Rate Affinity's President's Club since 2020 [4] Operational Support Model - The company's POD structure provides unique operational support that is not commonly found in the industry, reinforcing Wise's decision to return [2] - This model enables the company to prioritize customer service and streamline the mortgage process for both clients and real estate partners [6]

Company Overview - Guaranteed Rate Affinity is a leading mortgage provider that has funded over $100 billion in loans since its inception, operating as a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services [5][6] - The company offers unmatched support to brokers nationwide, ensuring fast pre-approvals, appraisals, and loan closings, which enhances the home buying experience in a competitive market [6] Leadership Announcement - Lacey Sullivan has been promoted to Regional Manager for Northern California, where she will oversee the region's leadership team, guide growth initiatives, and support recruiting efforts [1][3] - Sullivan has been with Guaranteed Rate Affinity since 2018 and has a strong track record of delivering results, having previously served as an Area Sales Manager [2][4] Strategic Focus - In her new role, Sullivan will shape regional strategy, deepen relationships with Coldwell Banker and other key partners, and ensure that loan officers and support teams are equipped to provide a solid experience for homebuyers and agents [3][4] - The focus will be on growing market share, supporting loan officers, and maintaining a dependable level of service across Northern California [4]

Core Insights - Waterstone Financial, Inc. reported a net income of $7.9 million, or $0.45 per diluted share, for the quarter ended September 30, 2025, representing a significant increase from $4.7 million, or $0.26 per diluted share, for the same quarter in 2024 [1][4][17] - The company achieved a consolidated return on average assets of 1.42% and a return on average equity of 9.14% for the quarter ended September 30, 2025, compared to 0.83% and 5.55% respectively for the same quarter in 2024 [4][18] - The Community Banking segment saw a 19.3% increase in net interest income, totaling $14.6 million for the quarter, driven by improved loan yields and reduced funding costs [2][4][21] Financial Performance - Consolidated net income increased by $3.2 million, or 68.1%, from the previous year [4] - Pre-tax income for the quarter was $8.4 million, a 49.4% increase compared to $5.6 million for the same quarter in 2024 [4][17] - The company repurchased approximately 270,000 shares at a cost of $3.8 million, increasing book value per share by $0.07 during the quarter [4][10] Asset Quality - Nonperforming assets as a percentage of total assets decreased to 0.27% at September 30, 2025, down from 0.25% a year earlier [4][18] - Past due loans as a percentage of total loans improved to 0.50% from 0.63% year-over-year [4][18] Community Banking Segment - The Community Banking segment's net interest income rose by $2.4 million, or 19.3%, compared to the same quarter in 2024 [2][21] - The efficiency ratio improved to 48.94% for the quarter, down from 60.35% in the same quarter of the previous year [10][21] Mortgage Banking Segment - The Mortgage Banking segment recorded a second consecutive quarter of pre-tax income, attributed to effective expense management and improved margins [2][23] - Mortgage banking non-interest income decreased by $401,000, or 1.9%, to $21.0 million compared to the same quarter in 2024 [10][23]

Company Overview - Guaranteed Rate Affinity is a leading mortgage provider that partners with Coldwell Banker to offer exceptional lending services [1][4] - The company has funded over $100 billion in loans since its inception, showcasing its significant presence in the mortgage industry [4] Leadership Announcement - Bob Donovan has been appointed as the Regional President of the Northeast, tasked with leading the company's growth strategy in the region [1] - Donovan brings over 35 years of experience in the mortgage industry, having a successful track record as a top-producing loan officer and a focus on mentoring and recruiting [2][3] Strategic Focus - Donovan aims to support loan officers, strengthen strategic partnerships, and drive market expansion within the Northeast region [1][3] - The partnership with Coldwell Banker is highlighted as a unique advantage that differentiates Guaranteed Rate Affinity from other lenders, providing an attractive proposition for originators [3] Company Support and Services - Guaranteed Rate Affinity offers unmatched support to Anywhere brokers, ensuring fast pre-approvals, appraisals, and loan closings, which is crucial in today's competitive market [5] - The company also assists the public and other real estate brokerage and relocation companies, enhancing the relocation experience for employees through customer service and competitive rates [5]

Company Overview - Guaranteed Rate Affinity is a leading mortgage provider formed as a joint venture between Guaranteed Rate, Inc. and Anywhere Integrated Services, owning 50.1% and 49.9% stakes respectively [4][6] - The company has funded over $100 billion in loans since its inception in 2017 [4] Leadership Change - Jay Crowder has been promoted to Divisional Manager for the East Region, having previously served as Regional President [1][2] - Crowder brings over 30 years of experience in the mortgage industry, with a strong background in joint venture partnerships [1][3] Strategic Focus - In his new role, Crowder will focus on scaling production, expanding the sales force, and attracting top loan officers [2][3] - The emphasis will be on enhancing team performance and fostering a culture of excellence and client-first service [2][3] Company Culture and Values - Crowder is recognized for his commitment to recruiting high-performing teams and driving production growth [3][4] - The company aims to empower its employees and deepen partnerships to deliver exceptional results for clients [3] Services Offered - Guaranteed Rate Affinity provides fast pre-approvals, appraisals, and loan closings to brokers and the public, enhancing the home purchasing experience [5] - The company also assists employers in improving their employees' relocation experiences through competitive rates and customer service [5]

Group 1 - Community Heritage Financial, Inc. declared a quarterly cash dividend of $0.08 per share on its common stock, payable on August 8, 2025, to shareholders of record on August 1, 2025 [1] - Community Heritage Financial, Inc. is the parent company of Middletown Valley Bank, which offers personal and business banking services, as well as mortgage lending through its subsidiary, Millennium Financial Services, Inc. [2] - Middletown Valley Bank has been operating since 1908 and currently has offices in Frederick, Washington, Garrett counties in Maryland, and Franklin County in Pennsylvania [2]

Company Overview - Guaranteed Rate Affinity is a leading mortgage provider that has funded over $100 billion in loans since its inception, emphasizing its strong market presence and innovative joint venture with Guaranteed Rate, Inc. and Anywhere Integrated Services [5][6] Leadership Appointment - Linda Vo has been appointed as Regional Manager in North Texas, reflecting the company's commitment to expanding its reach in a key growth market [1] - Vo brings over 20 years of experience in the mortgage industry, including roles in wholesale, loan origination, sales management, and corporate strategy, making her well-suited to lead growth and recruiting efforts [2] Strategic Focus - In her new role, Vo will empower loan officers to take ownership of their markets while scaling the company's presence and recruiting efforts throughout North Texas [3] - The company is undergoing strategic expansion and culture-focused leadership development, aiming to attract top talent that aligns with its values [4] Industry Impact - Guaranteed Rate Affinity provides unmatched support to brokers nationwide, ensuring fast pre-approvals, appraisals, and loan closings, which enhances the home buying experience in a competitive market [6]