Recently, MCT sat down with Stuart Lynn, Chief Financial Officer at Mortgage Forward.
In this case study, Stuart shares how Mortgage Forward leverages MCT’s full-service secondary marketing and hedging support, Lender Analytics, and MSR solutions to improve execution, strengthen profitability, and position the company for aggressive future growth.
By partnering with MCT for trade execution, hedge management, market intelligence, and servicing analytics, Mortgage Forward has increased profitability through mandatory delivery, strengthened pricing competitiveness, and built an operational framework designed to scale alongside its expanding business.
A Full-Service Secondary Marketing Partnership
As a growing independent mortgage lender, Mortgage Forward sought a partner capable of delivering comprehensive secondary marketing expertise while allowing its team to remain focused on originating loans and serving customers.
Rather than building a large in-house capital markets operation, Mortgage Forward partnered with MCT to manage the full spectrum of secondary marketing activities, from hedging and loan sales to reporting and servicing support.
“We’re using MCT to provide the full length, width and breadth of secondary services to us.”
Today, MCT supports Mortgage Forward with:
- Hedge management and loan sale execution
- Daily reporting for accounting and operational teams
- MSR pricing and valuation services
- Lender benchmarking and market analytics
Improving Profitability Through Mandatory Delivery
One of Mortgage Forward’s most meaningful gains came from transitioning from best-efforts execution to mandatory delivery. With MCT providing the expertise, infrastructure, and hedge management support necessary to make the transition confidently, the company has realized measurable improvements in loan sale profitability.
According to Stuart, even after accounting for hedge costs and trade execution expenses, the results have been substantial.
“We have noticed an uptick of basis points that we receive on our loans. Moving from best efforts to mandatory delivery, which MCT has allowed us to do, even net of the cost of our bond trades or hedge positions, we’re probably picking up between 15 and 20 basis points.”
Leveraging MCT’s Solutions to Drive Growth and Profitability
Mortgage Forward utilizes multiple MCT solutions to support its capital markets strategy and long-term business objectives.
- Full Support Hedging Services – MCT’s Full Support Hedging Services provide outsourced secondary marketing expertise, including hedge management, loan sale execution, investor delivery strategies, and daily operational reporting. This allows Mortgage Forward to access institutional-level capital markets capabilities without building a large internal team.
- Lender Analytics – MCT’s Lender Analytics delivers actionable market intelligence and peer benchmarking data, helping lenders evaluate performance, validate pricing strategies, and remain competitive across changing market conditions.
- MSR Pricing and Valuations – Mortgage Forward also utilizes MCT’s MSR pricing grids and valuation services to better understand servicing asset value and support future servicing growth initiatives.
Leveraging Market Intelligence to Stay Competitive
For a lender operating in highly competitive markets, maintaining attractive pricing while protecting margins is critical. Mortgage Forward relies on MCT’s Lender Analytics platform to benchmark performance against peer lenders and validate pricing strategies with real market data.
The platform enables the company to:
- Compare performance against state, regional, and national peer groups
- Validate pricing competitiveness
- Monitor market trends
- Support product and pricing decisions with data-driven insights
- Identify opportunities for margin improvement
“With regards to the Lender Analytics tool, I love the ability to define peer groups, or use the defined peer groups that are within the system, that then allows us to measure ourselves within a state, within a region, nationally—however we want to be measured. It’s fantastic.”
“As a smaller shop, we don’t move markets. Sometimes they move us. But we really want to ensure we’re on the streets supporting our mortgage loan originators with a fantastic price.”
“We’re able to back up that we’re offering great products through the Lender Analytics tool.”
Summary of Mortgage Forward’s Top Takeaways
Since partnering with MCT, Mortgage Forward has improved execution through mandatory delivery, increased profitability by an estimated 15–20 basis points, and gained access to powerful benchmarking data through MCT’s Lender Analytics platform.
The company now operates with a comprehensive secondary marketing infrastructure that supports current operations while providing a scalable foundation for future growth.
Just as importantly, Stuart credits MCT’s consultative approach and commitment to solving problems as a major differentiator.
“I really appreciate the willingness of the MCT team to offer solutions to us when we have a problem.”
“All we have to do is come forward and say we have this weakness, we have this issue, we’re looking for a solution here, and inevitably it seems like there’s a solution that comes out of MCT—and we love that.”
Conclusion: Combining Capital Markets Expertise with Scalable Growth Solutions
By partnering with MCT for full-service secondary marketing support, Lender Analytics, and MSR solutions, Mortgage Forward has improved loan sale profitability, strengthened pricing competitiveness, and established a scalable operational framework designed for long-term growth. The transition to mandatory delivery has generated meaningful profitability gains, while data-driven benchmarking tools help the company remain competitive in every market it serves.
As Mortgage Forward pursues ambitious expansion plans, MCT provides both the technology and strategic expertise necessary to support growth at every stage. From capital markets execution and servicing analytics to ongoing consultation and problem-solving, the partnership enables Mortgage Forward to focus on originating loans and building its business with confidence.
Ready to achieve similar results? Schedule a demo to see how the same technology used by Mortgage Forward can modernize your pricing, accelerate your loan sales, and drive measurable profitability for your secondary desk.
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