SAN DIEGO, Calif., Feburary 3, 2025 – Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced its sixth, consecutive year of being named to HousingWire’s Tech100 honoree list. The annual award highlights technology innovations that have demonstrated measurable impact on the mortgage industry. In 2025, MCT is lauded for its breakthrough tech advancements with specified pool analytics and pricing automation – both generating substantial upside for lenders despite challenging market environments.
“In an environment where every basis point matters, MCT is steadfastly committed to re-imaging the possible and delivering new solutions that deliver real value to our clients,” said Curtis Richins, President and CEO of MCT. “Our HousingWire Tech100 track record is a testament to our creativity, collaboration, and boundless enthusiasm to fuel the mortgage industry with transformational capital markets technology.”
One of MCT’s recent advancements allows customizable duration analysis for specified loan products. This pioneering approach, seamlessly embedded in the industry’s most advanced mortgage capital markets platform, MCTLive!, enables more precise hedging and reduces basis risk by providing lender-specific, execution-level duration calculations across product-level cash windows, dealer pay-up surveys, and specified pool executions.
The company also launched its Base Rate Generator, creating a direct connection between front-end rate sheet pricing and back-end capital markets executions. This transformative pricing tool leverages live agency API connections, co-issue executions, aggregator pricing, and custom TBA indications to optimize margin management.
The impact of these innovations has been substantial. In the previous quarter alone, MCT helped lenders generate $136 million in additional earnings, with clients averaging $505,000 in additional profits. Through strategic automation initiatives, including the data writeback tool, API integrations with Fannie Mae and Freddie Mac for rapid commitments, and loan sale automation, MCT clients save an average of 33 hours monthly on manual tasks.
“Technology is at the core of progress in the housing industry,” said Clayton Collins, CEO of HW Media. “The companies recognized in this year’s Tech100 awards are leading innovation and delivering real-world impact to drive faster and more efficient processes in mortgage lending, capital markets, servicing and real estate. We’re seeing lending and real estate organizations separate from the pack through the development and implementation of technology that bolsters client experience, employee productivity and process automation.”
The HousingWire Tech100 award, now in its 13th year, recognizes the most innovative technology companies in the housing economy. Winners are selected based on their technological impact, market influence, and commitment to driving the industry forward.
About MCT:
For over two decades, MCT has been a leading source of innovation for the mortgage secondary market. Melding deep subject matter expertise with a passion for emerging technologies and clients, MCT is the de facto leader in innovative mortgage capital markets technology. From architecting modern best execution loan sales to launching the most successful and advanced marketplace for mortgage-related assets, lenders, investors, and network partners all benefit from MCT’s stewardship. MCT’s technology and know-how continues to revolutionize how mortgage assets are priced, locked, protected, valued, and exchanged – offering clients the tools to thrive under any market condition.
For more information, visit https://mct-trading.com/ or call (619) 543-5111.
Media Contact:
Ian Miller
Chief Marketing Officer
Mortgage Capital Trading
619-618-7855
pr@mctrade.net
