Blog Archives

Bid Tape Mapping for Non-Platform Tapes – Rasori’s Relentless Releases: Weekly Technology Improvement Series

In MCT’s latest Rasori’s Relentless Releases, we discuss bid tape mapping for non platform tapes in MCTlive!.

Pricing Granularity – Rasori’s Relentless Releases: Weekly Technology Improvement Series

In MCT’s latest Rasori’s Relentless Releases, we discuss new pricing granularity features in MCTlive!.

Pricing for Profitability: How to Build a Rate Sheet for Mortgage Lenders

In this article, we will discuss front-end pricing strategies for building rate sheets to help mortgage lenders increase their profitability.

The Future of Fannie Mae and Freddie Mac – A Conversation with Phil Rasori and Rob Chrisman

In this article, we sit down with Phil Rasori and Rob Chrisman to discuss the future of Fannie Mae and Freddie Mac with the impending appointment of a new FHFA director.

How The 10-Year U.S. Treasury Note Impacts Mortgage Rates

In this article, we examine the relationship between the 10-year U.S. Treasury yield and fixed mortgage rates.

Cash-Window APIs – Rasori’s Relentless Releases: Weekly Technology Improvement Series

In MCT’s sixth episode of Rasori’s Relentless Releases, Phil Rasori covers the January 14th proposal of volume caps on agency cash window deliveries, the features of the MCTlive! Pool Optimizer and also reviews a new comparison tool.

A Credit Union’s Guide to Moving to Mandatory Loan Sale Delivery

Credit unions can leverage mandatory loan sale delivery to improve profitability and manage risk with pipeline hedging. This paper discusses that, as well as all the operational changes needed to move from best efforts to mandatory loan sales.

Reviewing and Optimizing Your Investor Set

In this article, we will discuss how to quantify where to deliver your production, the process for auditing your investor base, and how to optimize your investor set.

How Mortgage Loan Prices Are Determined by Lenders

In this article, we will provide a detailed explanation for how mortgage prices are determined, reviewing all the factors that influence mortgage lenders’ pricing decisions in the secondary mortgage market.

How to Grow from a Mortgage Broker to Mortgage Banker

In this article, we will discuss the role of a broker versus banker and how a secondary market professional can make the transition from broker to banker most successfully.

Top 5 Takeaways for Bulk MSR Market: Q1 2021

With the first quarter over in 2021, the market for MSR sales is beginning to shift. Take a look below and review our Top 5 Takeaways for Bulk MSR Market.

How Does the Federal Reserve Affect Mortgage Rates?

In this article, we will discuss the structure of the Federal Reserve, how the Federal reserve supports the economy, and how it influences the demand of the three monetary policy tools.

How to Choose a Mortgage Hedge Advisor

In this article, we’ll provide some questions that will help you in your decision to select the best hedge advisor to help your company succeed. We’ll also review some key differentiating characteristics and services found in a full-service hedge advisory firm that will put you ahead of the competition for the long term.

MCTlive! Pool Optimizer – Rasori’s Relentless Releases Episode 6

In this episode, phil Rasori covers the MCTlive Pool Optimizer functionality. This technology enables the use of actual cash window execution for optimization on each individual loan.

Hindsight is 2020: How MCT Supported Lenders During Market Volatility

In this article, we reflect back on the period of COVID-19 market volatility from February to May of 2020 to demonstrate all the ways that MCT was the most proactive hedge advisory firm during the crisis, supporting clients and the mortgage industry as a whole during this time of hardship.

Recapture: Impact on Servicing | Servicing Insights Vol. 10

In this servicing insights article, we will provide some guidance on the MCT’s approach to recapture and its impact on servicing. We will define recapture, how to measure it, how to include it in MSR valuation exercises, and whether it should be included in a fair value assessment of MSR.

How News Impacts the Secondary Market

This article gives advice to capital markets staff about which news sources to follow, how the interpretations of that information influence the market, and how to use this information to protect your margins.

7 Benefits of Best Execution with a Loan Trading Platform

Learn the process and benefits of whole loan trading platforms so your secondary marketing staff can achieve their best execution while reducing risk for the company.

History of Best Execution for Mortgage Loans

Learn the past and future of best execution in the secondary mortgage market so that you can get ahead of the competition and be a well-informed mortgage professional.

Best Execution Analysis in the Secondary Mortgage Market

A Best Execution Analysis determines the outlet and method of delivery that will yield the highest net economic benefit for mortgage loan collateral.

Market Update for MSR Sales: Q4 2020

MSR values and MSR sales are top of mind recently. As market uncertainties begin to subside, MSR pricing has been increasing. MCT’s Phil Laren, Director of MSR Services, analyzes these market conditions in his latest article, Market Update for MSR Sales: Q4 2020.

MSR Forbearance in 2020: Challenges & Recommendations

In this timely article, MCT’s Director of MSR Services, Phil Laren, reviews how market changes have impacted MSR forbearance in 2020. He also outlines common challenges experienced by portfolio managers and MCT’s recommendations for future MSR management.

Pipeline Pull-through Rate Analysis Explained

In this article, we’ll explain the key concepts related to pull-through rate analysis and discuss its importance in deriving an accurate hedge recommendation.

MCT Memo: MSR Assumptions Q2 2020

In this timely announcement from MCT’s MSR Services division, we will review the assumptions related to MSR valuations utilized in the second quarter of 2020, and contrast that to the assumptions of the first quarter, as detailed in our Q1 2020 memo.