Ideal Group Welcomes Federal Reserve Rate Cut and Anticipates Strong Q4 Growth

Company expects significant increase in mortgage originations following 25 basis point reduction

Anderson, South Carolina – (Sept. 18, 2025) – Ideal Group of Companies, Inc. (“Ideal Group” or the “Company”) (OTC: IDGR) a growing residential mortgage broker, today responded positively to the Federal Reserve's decision to cut its benchmark interest rate by 25 basis points to a range of 4.00% to 4.25%, marking the first rate reduction since December 2024.

The rate cut is expected to directly benefit Ideal Group’s core mortgage origination business through its wholly owned subsidiary Oxygen Mortgage LLC, as lower federal funds rates typically translate to reduced mortgage rates for consumers. Industry data shows that mortgage rates have already begun declining in anticipation of Fed action, with 30-year fixed rates dropping to their lowest levels in nearly three years.

Market Impact and Financial Projections

Based on historical correlations, Ideal Group anticipates mortgage application volume could increase by 15-20% over the next quarter as borrowing costs become more attractive to homebuyers. The company's internal analysis suggests that each 25 basis point reduction in mortgage rates typically expands the eligible borrower pool by approximately 8-12%.

"Today's Fed decision marks a pivotal moment for both our industry and our shareholders," said Robert Egeland, President of Oxygen Mortgage. "With two additional rate cuts projected for 2025, we're positioned for our strongest refinancing cycle since 2021. This monetary policy shift directly addresses the affordability challenges that have constrained housing demand throughout 2025."

The company expects particular strength in its refinancing division, which historically sees volume increases of 25-40% following Fed rate cuts. Oxygen's planned digital mortgage platform is expected to position the Company to capitalize on increased demand while maintaining operational efficiency.

Forward-Looking Strategy

Oxygen Mortgage has already begun expanding its loan officer workforce in key markets and enhanced its technology infrastructure to handle anticipated volume increases. The company's diversified product mix, including conventional, FHA, and VA loans, provides multiple revenue streams as the rate environment improves.

Industry analysts project that mortgage originations could increase 18-25% industry-wide if the Fed follows through with its indicated additional cuts this year, creating substantial revenue opportunities for well-positioned brokers like Oxygen Mortgage and its parent company, Ideal Group.

About Ideal Group of Companies Inc. 

Ideal Group of Companies Inc. (idealgroupcorp.com) is a diversified real estate and financing company. Its real estate development division under the brand Eclipse Real Estate Development is engaged in acquiring, developing, and operating multifamily, mixed-use, commercial, and residential real estate, vacation rentals, RV resorts, and housing development projects. Its mortgage brokerage division under Oxygen Mortgage Inc. provides consumer mortgage services and, through Oxygen Commercial, provides financing for commercial projects. For more information, visit idealgroupcorp.com. 

Contacts: 

Ideal Group of Companies Inc. 

Tel. +1-864-345-8698 

Charles Cardona, CEO 

[email protected] 

DISCLAIMER and FORWARD-LOOKING STATEMENTS 

Certain statements contained herein are “forward-looking” statements (as such term is defined in the Private Securities Litigation Reform Act of 1995). Because such statements include risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. This press release may contain certain forward-looking statements within the meaning of Section 27A of the Securities and Exchange Act of 1933, as amended, and Section 21E of the Securities and Exchange Act of 1934, as amended, and such Forward-Looking Statements are intended to be covered by the safe harbors created thereby. Investors are cautioned that all forward-looking statements involve risks and uncertainties. All statements other than statements of historical fact in this announcement are forward-looking statements, including but not limited to the viability of the Company’s business plans, the effect of acquisitions on our profitability, the effectiveness, profitability, and the marketability of the Company’s products; the Company’s ability to protect its proprietary information; general economic and business conditions; and the volatility of the Company’s operating results and financial condition. These forward-looking statements involve known and unknown risks and uncertainties and are based on current expectations, assumptions, estimates, and projections about the Company and the industry. The Company undertakes no obligation to update forward-looking statements to reflect subsequent occurring events or circumstances or to changes in its expectations, except as may be required by law. Although the Company believes that the expectations expressed in these forward-looking statements are reasonable, management cannot assure the public that their expectations will turn out to be correct. Investors are cautioned that actual results may differ materially from the anticipated results.