About MCT

Our Mission Statement

Fueling the mortgage industry with transformational capital markets technology and personalized client experience. 

Our Core Values

Drive to Transform

Harnessing market knowledge and innovative technologies to challenge the status quo and deliver superior results.


Supporting and elevating our clients, partners, MCT team members, and the borrowers whom we all serve.


Building lasting relationships with knowledge, strong character, and appreciation.


Achieving mutual success through listening, thoughtfulness, and hard work.

Our top priority is to help you and your company thrive.  We’re here to listen, support, and grow your business — together.


Over the past 20 years, MCT has evolved from a pipeline hedging services specialist into the industry leader for fully-integrated capital markets software and services.  Anchored by our comprehensive platform, MCTlive!, we offer the innovative technology and bespoke client support needed to elevate your performance.

  • From MCTlive!, to MSRlive!, to our award-winning MCT Marketplace, MCT is consistently first-to-market with new technology
  • In 2018 and 2019, independent research firm STRATMOR rated MCT with the highest Lender Loyalty Score in the category of Production Pipeline Hedging.  Further, MCT received the highest overall satisfaction of any vendor measured in the study that analyzed the entire mortgage industry.
  • At the onset of COVID-19 and while the mortgage industry as a whole was in turmoil, MCT subscribed to “doing whatever it takes” to ensure mortgage lenders (not just MCT clients) remain in business and are positioned to capitalize when the market calms.  From further enhancing our mobile offering to launching an entirely new marketplace that creates liquidity during a tight credit market, we responded with insights, action, and results.

Recognized Industry Authority

  • MCT works hand in hand with top auditing firms and has authored a series of industry-accepted white papers on accounting best practices
  • Consults with the GSE agencies and the US Government on hedging best practices
  • MCT staff teaches Secondary Marketing and Servicing Sessions at the School of Mortgage Banking
  • Leading participant and expert witness on panels and forums at the MBA, FINRA, and leading regulatory authorities including OCC
  • Affinity relationships with the leading GSEs

Compliance & Model Validation

  • SOC 1 Type 2 SSAE 18 Audit conducted annually to verify compliance with national and international standards for service organization controls.
  • Hedge Model Validation conducted annually to verify compliance with the OCC’s guidelines on Model Validation, Model Risk Management and Mortgage Banking.

Clients have full access to MCT’s Compliance Library

What are clients saying about MCT?

Clients are proud to call MCT their trusted capital markets partner. MCT’s remarkable customer satisfaction and loyalty are evidenced by the results of the independent STRATMOR 2019 Technology Insight Study (full details below).

We started with the rate sheet service in April and by August we were live with hedging. Since then we have done nothing but exceed our basis points over best efforts. It is such a great partnership…that has allowed me to focus on sales, recruiting, fixing processes and not having to be as involved has helped me exponentially. Read the full case study

Cameron Mott

VP of Mortgage Lending, KS State Bank

The team at MCT has been very responsive. I always know that I can get ahold of someone. And its nice that I have multiple contacts, so it’s not just one person. If we have something that’s urgent, they drop what they’re doing and take care of that issue. If it’s something more long term they’re open to hearing my ideas and putting it on the road map or talking with other clients to see if it’s something
that other people want.

Stacy Mohr

SVP of Capital Markets, Mountain West Financial

Paul Yarbrough has been an awesome champion of MCT. His support has been integral in getting this off and running. I showed up at First Bank mid-November and with MCT’s help, was able to get the platform running by January 1st. I also like that Paul is always available to me. Read the full case study

Andrew Stringer

Director of Secondary/Capital Markets, First Bank

STRATMOR 2019 Technology Insight Study Results

The 2019 study results includes responses from 250 mortgage professionals representing 209 unique lenders representing 29% of the market. MCT had the highest Overall Satisfaction of any vendor measured in the study.

“We are elated to again receive the highest production pipeline hedging scores in STRATMOR’s 2019 Technology Insight Study, which is a direct reflection of how diligently we work to support our clients.”

– Curtis Richins, President of MCT, on the STRATMOR Technology Insight Study 2019, “Production Pipeline Hedging Vendor” Findings