Your Growth Stage Is:
Supported Hedging and Mandatory Delivery
A lender that has moved from best-efforts to mandatory delivery and is conducting pipeline hedging with full-service vendor support. Key growth opportunities include moving to semi-autonomous hedging and/or best execution loan sales, implementing white-labeled rate sheets, and gaining agency approvals.
Recommended Content:
Blog:
Considerations for Internalizing Your Best Execution Loan Sales
In this post, we will explore the necessary considerations for lenders seeking to take ownership of their secondary market performance by internalizing their Best Execution Process (Best Ex).
Case Study:
Eustis Mortgage Upgrades Loan Sales Process with BAM
See how Eustis Mortgage’s loan sale process improved after using Bid Auction Manager (BAM). Review his before and after experience to illustrate the improvement of Timothy’s loan sales process from 15 day delivery to a 7 day delivery.
Webinar:
MCT Webinar: Fannie Mae Approval: the Process, Timing, & Advantages
How to gain Fannie Mae approval for your future growth and success. Tammy Trefny from Fannie Mae and Jennifer Whip from Cambridge One, LLC., will join MCT and outline the processes, timing, and advantages of having Fannie Mae approval.
What stage of secondary marketing applies to your business?
Further Reading for Supported Hedging & Mandatory Delivery Growth Stage
Our white papers were written by MCT experts, vendor partners, and industry thought leaders. Ready to explore additional topics? View our complete list of whitepapers.
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. 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. This whitepaper reviews the intricate world of margin management, a pivotal driver of success in the ever-transforming mortgage industry. Learn how analyzing market share dynamics and volume trends becomes a strategic compass for effective margin management. 
MCT consistently hosts webinars designed to add value to clients and provide additional industry knowledge. View our complete list of webinars for additional topics.
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. In this webinar, MCT’s Phil Rasori, Justin Grant, and Andrew Rhodes explain how MCT is helping clients Bring BPS Back and improve profitability to counter market headwinds. In this webinar recording, MCT’s Phil Rasori, Justin Grant, and Andrew Rhodes will compare 2013 to 2022 in terms of the deteriorating market, market liquidity in specific coupons, loan sale execution liquidity, and investor pricing performance. They also share actionable recommendations to protect your business and pipeline. 
Learn how other mortgage lenders have improved their profitability and efficiency by implementing loan sale software solutions. Read here for all MCT case studies
In this case study, Mr. Collins describes how MCT’s BAM Marketplace enabled him to decrease his average approval times with buyers and achieve an impressive pickup on committed loan volume while delivering via mandatory executions. In this case study, Mr. Cassetta describes how MCT’s Rapid Commit enables him to sell loans to Fannie Mae five times faster than his previous manual process. His use of the tool also helps Ruoff keep up with periods of increased volume like increases seen during the Spring of 2020. 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.
Enjoy these other articles for your growth stage. Click to view blog posts by MCT.
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! 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! 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. 
Recommended Software:
Built for Secondary Marketing by secondary marketing professionals, MCTlive! is a powerful platform available for day-to-day loan pipeline management, trade positions management, and loan sale best execution.
An in-house rate sheet allows mortgage companies to target and maximize their margins and develop a consistent, positive experience with in-house product for their loan officers. Daily and monthly Mark-to-Market reporting engenders the transparency and control that mortgage companies need to be fully prepared for any market event.
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