Featured Archives

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.

HousingWire & MCT Webinar – MSR Strategies in 2021

As MSR pricing and volatility begin to normalize in 2021, many portfolio managers are revisiting their short-term and long-term servicing strategy. In this webinar, MCT’s Phil Laren, David Burruss and several mortgage lenders reviewed current MSR market trends and strategies to optimize your portfolio.

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.

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.

Case Study: MSR Services Improves Profitability of Doorway Home Loans

In this case study, Mr. Danilowicz explains how MCT’s MSR team helped Doorway Home Loans successfully facilitated a $1 billion MSR Sale. He also describes how MCT was instrumental in providing critical guidance through the 2020 market uncertainty and volatility.

New Agency Delivery Limits: Analysis & Recommendations Webinar

On January 14, new limits on agency cash window deliveries were announced for implementation in 2022. Set at $1.5MM per agency, these limits would require lenders who anticipate exceeding these limits in a rolling previous four quarters to switch to MBS delivery. Complete the form to join us for a webinar discussing these changes on February 19th at 10AM PT.

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.

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.

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.

MCT Whitepaper: Non-Price Considerations in Your Best Execution Analysis

In this whitepaper, Freddie Mac teams up with Mortgage Capital Trading to expand on interest following her panel appearance during the MCT Exchange client conference in 2019. The focus of this whitepaper is to identify unexpected costs associated with your loan sales to improve profitability.

MCTlive! Pool Optimizer Technology Sets New Bar for Best Execution Loan Sales

Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, debuted upgraded MCTlive! Pool Optimizer functionality at its MCT Exchange client conference last month. The technology enables secondary marketing managers to use actual cash window execution for optimization on each individual loan rather than using a dealer survey for spec pay-ups.

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.

Alexa Voice Integration – Rasori’s Relentless Releases Episode 5

In MCT’s fifth episode of Rasori’s Relentless Releases, Phil Rasori announces the first stage of Alexa voice integration for the MCTlive! platform. This new integration will include command chains that allow for full remote secondary execution, including loan sale commitments and TBA positions.

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.

MCT’s Business Intelligence Platform Gives Lenders Competitive Advantage with Actionable Insights & Data

MCT announced the upcoming launch of their Business Intelligence Platform, a powerful web-based analytics platform designed to empower lenders’ to understand the market, optimize their loan sales, and improve performance relative to their peers.

Case Study: Virginia Credit Union Adds Value to Members through MCT’s Services

In this case study, Mr. Jeppsen explains how MCT’s blend of industry knowledge, customer service, and award-winning software helped him achieve this goal. He also leveraged functionality in Bid Auction Manager, Rapid Commit and the InvestorMatic Program to add hours of efficiency each week.

Pull-Through Functionality for Refi Fees Reintroduction | Rasori’s Relentless Releases Ep. 4

In MCT’s fourth episode of Rasori’s Relentless Releases, Phil Rasori reviews new MCTlive! pull-through functionality which account for the market experience adjustment caused by the reintroduction of the 50 basis point Agency Refi Adverse Market Fee.

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.

Lock-Level Hedge Costs Reporting | Rasori’s Relentless Releases Ep. 3

Episode 3 is a continuation video from Episode 2. In this video, Phil Rasori discusses loan-level hedge costs reporting in more detail.

Loan-Level Hedge Costs Reporting Suite | Rasori’s Relentless Releases Ep. 2

These new reports improve the allocation of hedge costs at either the loan or lock level, enabling more granular profitability measurement.

Pull-Through Model Enhancements for Agency Refi Fees | Rasori’s Relentless Releases Ep. 1

Phil discusses the delay of the Adverse Market Refinances Fees and how new functionality in MCTlive! can be used to manage the changes.

Uncertainty Due to Short-Notice FHFA Directive Amplifies Harm to Borrowers

MCT analyzed the potential effect of Wednesday’s fifty basis points worsening in prices paid by Fannie Mae and Freddie Mac for most mortgage refinances.

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.