Read the latest articles, event announcements and press releases from Mortgage Capital Trading, Inc.
San Diego, CA – November 15, 2024 – Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, reported a 2.5% increase in mortgage lock volume compared to the previous month.
Discover the fundamentals of Mortgage Servicing Rights, their benefits, risks, accounting methods, and key valuation drivers for long-term profitability.
Click to read the most recent MSR Market Update! – Here we go again! Mortgage rates and all other rate indices continue their roller-coaster ride quarter after quarter. After so much anticipation of lower mortgage rates to remain throughout the rest of 2024, rates took a sharp U-turn and are back up about 68 basis points from their lows on September 30, 2024. The current rates reversal is significant since it took such a short time to get to back up to the same point where market rates were just three months ago. Click to read the full market update!
Addition of internationally recognized model to MCT proprietary model enhances scenario testing, precision, and confidence for MSR managers.
Click to read the most recent MSR Market Update! – The Fed has finally cut the overnight rate by 50 basis points, a larger cut than what was anticipated. The mortgage market had already built in the rate cut in their offerings; Mortgage rates continued their downward trend during the month of September; However, mortgage rates seem to have stabilized during the last week of September. Click to read the full market update!
San Diego, CA – October 2, 2024 – Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced today a 3.17% increase in mortgage lock volume compared to the previous month. The report highlights key market dynamics, offering industry professionals valuable insights.
Click to read the most recent MSR Market Update! – Finally, inflation data signals that the Fed’s anticipated rate reduction action is coming very soon, and probably during their meeting in September. Mortgage rates have already dropped by about 48 basis points since July 31, 2024, and 65 basis points lower since the end of Q2. The industry has already experienced some robust refinancing activity since July 2024 which could continue as the market awaits the Fed’s announcement. The real estate industry is anticipating robust mortgage/housing activity once the Fed’s announcement becomes a reality.
Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced today a 3.33% increase in mortgage lock volume compared to the previous month. Despite a larger increase in rate/term volume, total mortgage volume remains relatively flat.
MCT Marketplace’s Patented Security Spread Commitment boosts execution, liquidity, and approval times in the secondary market, transforming loan auctions with executable prices.
Click to read the most recent MSR Market Update! – The Fed’s recent announcement indicated no changes to the current Fed Funds rate, hence opening the possibility for a rate decline during their next meeting in September. It appears that the market has already built a 25 basis points decline in the mortgage offerings as we observe continuous easing in the 10 Year Treasury rate and the entire yield curve. As of July 31, 2024, the 30-year primary mortgage rate has retreated by 15 basis points while float income rates have declined by an average of about 45 basis points.
Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced today a decrease of 5.67% in mortgage lock volume compared to the previous month. Industry professionals and enthusiasts are invited to download the complete report for comprehensive insights into the market dynamics.
![MSR 101: Reviewing MSR Principles, Advantages & Disadvantages, & Key Portfolio Valuation Drivers [MCT Industry Webinar]](https://mct-trading.com/wp-content/uploads/2024/07/MSR-101-Webinar.png)
In this webinar, MCT’s MSR experts, Bill Shirreffs, Azad Rafat, David Burruss, and Natalie Martinez will provide MSR insights, elaborate on their advantages and disadvantages, describe the difference between fair, market, and economic value, and give a current market update.
Click to read the most recent MSR Market Update! – Mortgage rates and other rate indices have managed to remain at relatively about the same level as they were at the closing in the month of May. Mortgage rates managed to end the month of June with a marginal increase of about three (3) basis points, while float income rates decreased by about eight (8) basis points during the same period. MSR portfolio holders should expect values to remain about the same level as they were at the end of May results. However, those levels could vary depending on portfolio vintages and other portfolio characteristics such as agency and GNMA mix. The downrate risk and its potential impact on MSR values continue to persist as we navigate through the balance of 2024.
In this whitepaper, various hedging instruments will be explored, baseline inputs used in mortgage pipeline hedging will be examined, and recent industry advancements that have reshaped the hedging landscape will be discussed. Data integrity remains crucial to maximizing opportunities in hedging, and its importance will be emphasized throughout the discussion.
Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced today a decrease of 7.84% in mortgage lock volume compared to the previous month. This decline follows a brief uptick in volume at the beginning of the buying season, suggesting a continuing stalemate between limited housing supply and higher interest rates.
SAN DIEGO (June 27, 2024) –MCT announced the launch of new integrations with Fannie Mae’s Mission Score API and product grids that provide better transparency and pricing for mortgages aligned with Fannie Mae’s mission objectives.
![Improve Margins and Price Competitiveness with the Fannie Mae Mission Score API [MCT Industry Webinar]](https://mct-trading.com/wp-content/uploads/2024/06/FNMA-MCT-Mission-Score-Webinar.jpg)
In this webinar featuring Fannie Mae’s Olga Gorodetsky alongside Phil Rasori and Paul Yarbrough of MCT, panelists discuss the goals, features, and benefits of this technology integration for mortgage originators and their borrowers.
Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced today an increase of 6.78% in mortgage lock volume compared to the previous month. To gain comprehensive insights into the market dynamics, industry professionals and enthusiasts are invited to download the complete report.
Click to read the most recent MSR Market Update! – Mortgage rates and some rate indices have experienced a slight retreat from their end of April highs, closing the month of May with robust gains over end of Q1, 2024 levels. Mortgage rates managed to end the month of May with a decrease of about thirteen (13) basis points, while float income rates decreased by about the same amount during the same period. MSR portfolio holders should expect a moderate value decline in the range of one to four (1-4) basis points from the end of April results. However, those decreases will vary depending on portfolio vintages and other portfolio characteristics such as agency and GNMA mix. The downrate risk and its potential impact on MSR values will persist as we navigate through the balance of 2024.
In this blog, MCT’s Justin Grant, Senior Director, Head of Investor Services explains how AOT automation is paving the way for a new era of efficiency and profitability in mortgage trading, especially with the help of MCT Marketplace. Read on to see how AOT can benefit investors and sellers alike.
![Preserve Margins and Improve Pricing with the Base Rate Generator [MCT Industry Webinar]](https://mct-trading.com/wp-content/uploads/2024/05/Base-Rate-Generator-Webinar-Recording.jpg)
View the webinar recording featuring MCT’s Phil Rasori, Chris Anderson, Rob Barnhill and Luke Chang on the latest developments in front-end pricing and back-end capital markets execution. The landscape and granularity of investor pricing has changed, and lenders should keep up in order to preserve and optimize their margins.
Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, today reported a 1.87% increase in mortgage lock volume compared to the previous month. To gain comprehensive insights into the market dynamics, industry professionals and enthusiasts are invited to download the complete report.
Click to read the most recent MSR Market Update! – Mortgage rates and some rate indices have experienced a healthy recovery from their lows recorded at the end of February, closing the month of April with robust gains over their end of the year levels. Mortgage rates managed to end the month of April with an increase of about fifty-two (52) basis points, while float income rates have increased by an average of thirty (30) basis points since the end of March. MSR portfolio holders should expect a moderate value recovery in the range of two to six (2-6) basis points from the end of March. However, those increases will vary depending on portfolio vintages and other portfolio characteristics such as Agency and GNMA mix. The downrate risk and its potential impact on MSR values will persist as we navigate through 2024.
The intricate world of mortgage pipeline hedging demands a nuanced understanding of key concepts such as duration, convexity, and the interplay between various market dynamics. In this whitepaper, we dive into the importance of grasping these concepts to effectively navigate the complexities of mortgage markets.
