Recently, MCT sat down with Chris Naylor, Chief Revenue Officer at Direct Mortgage Loans.
After more than 10 years as an MCT client, Direct Mortgage Loans continues to grow on a foundation of steady, reliable profitability. Chris credits MCT with delivering the accurate data, consistent margins, and hands-on partnership that make that kind of controlled growth possible.
By pairing MCT’s lock desk, full-service hedging, EBX, and MCT Marketplace, Chris’s secondary team has built consistent, reliable margins, expanded its investor and broker-dealer network through MCT introductions, and set a course toward continued, controlled growth.
A Decade-Plus Partnership Built on Consistency
Direct Mortgage Loans has been an MCT client for over a decade, and Chris describes that relationship as foundational to how the business runs. “MCT has been just an invaluable resource for me and for us,” he said. “They’re always willing to help answer any questions we have. They’re a partner that we couldn’t do without.”
The metrics that matter to Direct Mortgage Loans are the ones that deliver steady profitability, low fluctuation, and consistency the team can rely on.
With MCT, Direct Mortgage Loans gained:
- A team that is “always willing to help answer any questions”
- Accurate data plus pricing and margin models that show where markets are competitive and where they aren’t
- An expanding investor and broker-dealer network through MCT introductions
- A secondary team working inside MCTlive! “all day, every day,” with the information it needs at its fingertips
Turning Accurate Data Into Controlled Growth
For Chris, the value of that data is what it lets Direct Mortgage Loans do next. MCT’s pricing and margin models help the team see which markets are competitive, which are not, and where there is profitable business to win, insight that helps the desk decide where to expand and sets up the following year’s growth.
To run the secondary desk day to day, Direct Mortgage Loans relies on:
- Lock Desk – dedicated lock desk support that helps the team manage locks accurately and efficiently.
- Full-Service Hedging – hedge advisory and pipeline risk management, with MCT serving as the team’s trusted hedge advisor.
- MSR Services (EBX) – MSR support and co-issue execution through EBX to help the team manage the value of its servicing.
- MCT Marketplace – whole loan trading with an expanding investor network, plus MCT introductions to new investors and broker-dealers that grow the team’s product offerings.
“MCT’s role in the company is really second to none. They provide us all the data, all the information that we need to close loans and sell them profitably.“
– Chris Naylor, Chief Revenue Officer, Direct Mortgage Loans
Conclusion: A Partnership Built for Consistent Growth
By pairing accurate data and hands-on advisory with its lock desk, full-service hedging, MSR services, and MCT Marketplace, Direct Mortgage Loans has built the steady, reliable profitability that supports controlled, continued growth. For a lender focused on consistency and disciplined expansion, Direct Mortgage Loans shows what a long-term MCT partnership can look like.
Ready to see what a long-term capital markets partnership could do for your desk? Schedule a demo to see how the same data, execution, and advisory Direct Mortgage Loans relies on can support your margin and your growth.
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