Mortgage Data & Analytics
As the architect of the industry’s largest mortgage capital markets ecosystem, MCT serves everyone from hands-on capital markets and margin management teams to banking executives, hedge funds, asset managers, and other institutions looking to price, understand, model, and forecast the mortgage market with data drawn directly from real transactions.
Correspondent Lenders
Correspondent Investors
%
of U.S. Zip Codes
Mortgage Data Available Across the U.S. Secondary Mortgage Market
Wherever you sit in the mortgage market, MCT has intelligence built for your decisions.
| Offering | What it is | Who it's for | Access | Sample report |
|---|---|---|---|---|
| Mortgage Indices | Live, public mortgage rate lock indices based on actual locked loan data. | Media, academics, and market watchers | Public | View indices → |
| MBS Edge | Live mortgage market data terminal: real-time TBA prices, trading desk commentary, and MCT's Rate Lock and Lock Volume Indices. | Capital markets desks and mortgage trading professionals | Subscription | Request → |
| Lender Analytics | Business intelligence and competitive analysis from MCTlive!® pipeline and loan sale data. | Margin management and capital markets teams | Subscription | Request → |
| Investor Analytics | Optimize correspondent pricing and build share at the aggregate, lender, and loan level. | Correspondent investors | Subscription | Request → |
| Margin Management | Expert advisory on pricing and margin strategy, with an in-platform application coming in 2027. | Teams optimizing profitability | Advisory | Request → |
| Enterprise Data | License MCT's aggregate secondary market data to model and forecast the market. | Hedge funds and asset managers | Data license | Request → |
Why Lenders, Investors, and Financial Institutions Rely on MCT Data
Representative Sample
According to investor partners, MCT represents between 25% and 35% of volume in the U.S. secondary mortgage market.
Unique Data Types & Fields
Most data sources are limited to originations. MCT’s value chain runs deep into the secondary market with commitment, purchase, and securitization data.
Historical & Open Pipeline Data
Historical data includes the previous five years, while new lock and open pipeline data is available live to track the current market.
Broad & Diverse Network
MCT’s data is aggregated from over 50% of correspondent lenders, 95% of correspondent buyers, and spans ~33K ZIP codes.
Available now
MBS Edge
MCT’s live mortgage market data terminal: real-time TBA prices, intraday trading desk commentary, an economic release calendar, market news, and MCT’s proprietary Rate Lock and Lock Volume Indices, built on real transactions executed on MCT platforms rather than a delayed feed.
Margin Management Advisory
Work directly with MCT’s margin management experts to analyze the relationship between price and volume across your book and turn it into a disciplined pricing strategy. The team identifies margin opportunities across loan purpose, amount, credit score, LTV, product, property type, and geography, optimizes fees, and more, then helps you capture upside on market moves while reducing revenue leakage.
Lender Analytics
MCT Lender Analytics aggregates and analyzes mortgage pipeline and loan sale data from MCTlive!®, the comprehensive capital markets software platform used by MCT team members and clients.
Loan-level bid color, investor rankings, and lock volume peer comparisons, so you know who’s buying, what they’re paying, and where you stand.
Adds front-end pricing comparison, spec pay-up trends, and best-efforts-to-mandatory spreads, so you can see how your borrower pricing compares to the market right now.
Investor Analytics
MCT’s Investor Analytics provides unique reporting and visualizations designed to optimize correspondent pricing and build market share at the aggregate, lender, and loan level.
MCT Mortgage Market Indices
Used by capital markets experts, industry media, academic researchers, and anyone else who wants the most accurate metrics.
MCT’s mortgage indices are based on actual locked loans, not applications, and are a precise indication of both industry lock volume and locked note rates. MCT-collected statistics are unique to the industry, given the diversity of lender sizes, products, and business models across our national footprint.
Frequently Asked Questions
Explore common questions about mortgage data analytics, mortgage competitive analysis, and secondary market reporting.
How is mortgage pipeline data aggregated?
All locked, sold, and capital markets data is aggregated from the diverse MCT mortgage pipeline to give clients an in-depth view of their mortgage pipeline performance. This can be compared with peers for performance and benchmark reporting, along with best efforts to mandatory spread and agency versus aggregator comparison. All reports can be segmented and customized by date, state, program, purpose, rate, FICO, LTV, loan size, peer group, and more. All peer data is anonymous.
How should a team begin evaluating their mortgage pipeline performance?
To get started, teams should complete a detailed assessment of business workflows compared to your peers to ensure that you are executing at optimal performance. Reviewing your mortgage technology platforms should also be included in this review to achieve maximum return on investment. Then, monthly performance reporting should be implemented to ensure continuing success based on factors that are important to your business.
Who can purchase and access MCT data?
MCT’s mortgage data and analytics is available for all industry participants who are interested in residential mortgages: Lenders, investors, financial institutions, hedge funds, private equity firms, asset managers, insurance companies, rating agencies, researchers, etc. can license MCT data for their own models and analysis.
What is the difference between Lender Analytics and Margin Management?
MCT offers two tiers of Lender Analytics. Both illustrate how your pipeline, loan sales, and pricing compare to the market, with varying degrees of specificity by tier. Unlocking our Advanced tier requires a subscription.
Margin Management helps you build and run a pricing strategy leveraging Lender Analytics and other third party data. Many clients value both levels of insight. MCT offers a self-service margin management intelligence embedded within MCTlive!, as well as an Advisory service for clients who prefer access to MCT team members for additional analysis, conversational guidance, and prioritizing recommendations based on your specific goals, processes, and workflows.
How is MCT data different from survey or pricing-engine data?
MCT data is transactional. It comes from real locks and deliveries across the secondary marketplace, from both buyers and sellers; not surveys, models, or third-party aggregation.
