Base Rate Generation & Back-End Mortgage Pricing Engine (PPE)

Inform your front-end rate sheet pricing with your back-end capital markets executions, then leverage reporting to determine maximum profitability using MCT’s back-end focused product and pricing engine.

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Loans Priced Nightly for MTM Purposes

Dollar Amount of Volume Priced Nightly for MTM Purposes

“The Base Rate Generator has helped us to put out a better rate sheet to our loan officers and to our third parties. It’s helped us to be more exact in our pricing, and as a result has generated more business for us.”

Brian Gilpin

CFO, Embrace Home Loans

Improve Margins & Performance of Rate Sheet Pricing

The Base Rate Generator is an industry-changing solution that allows mortgage lenders to directly inform their front-end rate sheet pricing with their back-end capital markets executions. Combine live agency API connections, co-issue executions, aggregator pricing, spec holdbacks, and custom TBA indications to improve margin management and competitive performance.

Features of the Base Rate Generator:

Connects Front-End with Back-End Pricing
Enables Direct Control
Creates Opportunity and Profitability

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Pricing Features for Mortgage Lenders

MCT’s product and pricing tools were built based on over twenty years of subject matter expertise and extensive collaboration with clients, ensuring the features available are exactly what mortgage lenders need to optimize and improve rate sheet pricing.

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Supports All Types of Lenders

Agency securitizing
Agency non-securitizing
Aggregator only

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Ease of Pricing

Generate base rates for PPE upload
Generate formatted rate sheets
Best execution blending

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Optimize Your Margins

Preserve day-one margin by connecting front-end rates to back-end execution
Spec margin holdback
Float carry calculations

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Data Analytics

Agile TBA indications
Analyze & adjust security pricing
Audit and archive features

Back-End Product and Pricing Engine

While MCT does not currently offer a stand-alone front-end product and pricing engine, our back-end PPE offers complete loan-level pricing for every client, investor, and channel, driving loan trading performance for both lenders and investors on MCT Marketplace.

This back-end mortgage pricing engine calculates pricing options and generates different loan pricing scenarios with varied rate options. Daily compilation of loan level pricing and eligibility is used for both Mark-to-Market and Best Execution Analysis purposes for all available delivery methods.