Whitepaper

MCT Whitepaper: Understanding and Preparing for Changes in the Mortgage Market

MCT Whitepaper: Understanding and Preparing for Changes in the Mortgage Market

The mortgage origination space is one of the most cyclical industries in the U.S. economy. Interest rates, origination volume, and profit margins are constantly shifting based on a variety of factors, and it takes an efficient and intelligent operation to stay on top of it all. Most lenders react, rather than act, to week by week or month by month changes in the environment. We advocate acting decisively and in a calculated fashion. This paper will outline a simplified model illustrating mortgage market stages and how lenders can set a foundation of resilience to changing markets.

MCT Whitepaper: Why Your Loan Sale Process is Holding You Back

MCT Whitepaper: Why Your Loan Sale Process is Holding You Back

In this whitepaper, we will explain the main features and functionalities of BAM Marketplace, giving an in-detail comparison between the standard loan sale process and the upgraded workflow of an open loan exchange. We hope that this paper will effectively highlight the opportunity costs a lender offsets by utilizing this revolutionary secondary market technology.

MCT Whitepaper: Strategies for Credit Unions to Add Value to Members

MCT Whitepaper: Strategies for Credit Unions to Add Value to Members

In this whitepaper, we will examine a credit union’s process flow to identify potential improvements in areas such as secondary marketing, technology, automation, and business processes. The strategies explored in this whitepaper amount to over 50 basis points of potential improvement to margins based on the experiences of Credit Unions who have put them to use.

MCT Whitepaper: Tax & Cash Implications of Creating Excess Servicing

MCT Whitepaper: Tax & Cash Implications of Creating Excess Servicing

In this whitepaper, MCT teams up with CWDL to explain how excess is servicing is created. We will also discuss the cash and tax consequences of retaining the excess MSR. The focus of this whitepaper is to help small- to medium-sized originators take advantage of the unique opportunities that the excess of MSRs has presented.