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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 8 November 2025 M T E C H M T E C H Key Factors: • The new capability enables analysis of dozens of natural hazards and offers more than 100 adaptation strategies. • Feature strengthens site resilience, operational continuity, and competi- tiveness for businesses. • Expanded capabilities for residential properties bring the tool's energy performance and natural hazard in- tel to the residential housing sector. The DBO tool determines the most important risks at each site by utilizing ROI analysis and existing facility data, including location, building type, size, and annual energy consumption. A library of more than 100 tested adap- tation techniques is also used to create customized mitigation plans. These include putting up flood barriers, using heat-reflective window film to lower interior temperatures, strengthening roofs against snow loads, and putting in solar panels with battery storage for energy independence. In the face of ongoing environmental changes and a fast-evolving risk landscape, this comprehensive, data-driven approach helps firms secure operations, defend assets, and build resilience. DBO TOOL BRINGS RESILIENCE AND EFFICIENCY PLANNING TO RESIDENTS R esidential properties are now supported by the DBO platform. The platform offers customized insights into energy performance, emis- sions, and exposure to natural hazards for single-family, multifamily, and man- ufactured housing by utilizing reliable datasets that are already integrated into the platform, as well as the recently added ResStock dataset from NREL, a national laboratory of the U.S. Department of Energy. In addition to potential chances for cost savings and energy efficiency, users are provided with a comprehensive overview of the energy performance of their property as of right now. "We at Siemens are constantly asking ourselves how we can expand our da- ta-driven tool to help U.S. businesses re- main resilient, efficient, and competitive," said Anthony Casciano, President and CEO of Siemens Financial Services, Inc. "That's why the natural hazard mitigation feature was created. In today's changing risk landscape, the cost of inaction is too great. This feature helps businesses protect shareholder value, business con- tinuity, and competitiveness. In a similar way, cybersecurity is just as critical, so we are currently developing an assessment that helps companies safeguard data and remain resilient in the face of today's many challenges." VICTOR CIARDELLI AND RATE RELEASE SPANISH-LANGUAGE MOBILE APP R ate and CEO Victor Ciardelli has announced the introduction of the Rate App in Spanish to better serve the mortgage industry. The pub- lication is the most recent development of Rate's acclaimed Language Access Program. It expands upon a significant accomplishment: since the program's inception in 2022, more than 20,000 digital mortgage applications from Span- ish-speaking clients have been submitted. With the help of the mobile app, Spanish-speaking users may use their phones to look for homes, apply for a mortgage, monitor the progress of their loans, chat with bilingual specialists, and access educational materials—all in Spanish. The announcement reaffirms Rate's overarching goal of providing the Spanish-speaking population with an exceptional customer experience and eliminating language as a barrier to homeownership. "We've already seen what's possible when we invest in Spanish-language technology: our Latino salesforce has tripled, our funded loan volume in Latino communities has doubled as a percentage of the company's total book of business, and we've far exceeded expectations with 20,000+ digital appli- cations in Spanish," Ciardelli said. "Now with the Rate App in Spanish, we're giv- ing Spanish-speaking buyers the same high-performance mobile experience that's helped millions of homeowners, because language should never be what holds someone back." The company's larger Contigo 100% philosophy—an unwavering dedication to serving Spanish-speaking homebuyers with every product, person, and proce- dure—is expanded by the Rate App in Spanish. Rate's whole solution—applica- tion, interface, communications, service, loan disclosures, and now mobile—is in-language, in contrast to rival lenders who use partial or translated techniques. "This launch demonstrates what equity in action looks like. It's not a trans- lation—it's a fully in-language journey designed to honor and empower the Spanish-speaking community at every step of homeownership," said Arlyn Kalinski, SVP, Fair & Equitable Lending Strategies at Rate. "Spanish-speaking buyers are mobile-first, ambitious, and driving the future of U.S. homeownership. With the Rate App in Spanish, we're not just meeting them where they are—we're giving them the same seamless, high-per- formance tools as any other customer." A nationwide Spanish-language go- to-market effort that started in July and spread throughout 25 major U.S. metro regions with digital advertisements target- ed at both professionals and consumers is supporting the app launch. As part of this larger campaign to reach the 60 million Latinos in the United States—one of the most potent economic engines in housing today—Rate anticipates generating over 30 million impressions. Additional highlights of Rate's Lan- guage Access Program now include: • Digital Mortgage Application in Spanish • Customer Service and Loan Officers fluent in Spanish