Mortgage Capital Trading (MCT) stands at the forefront of mortgage capital markets technology, transforming how lenders price, hedge and execute loan sales through cutting-edge innovations. For over two decades, it’s been the trusted partner for mortgage professionals, delivering technology that empowers lenders to navigate market dynamics with unprecedented precision and efficiency. Its commitment to client-driven innovation has positioned it as the definitive leader in mortgage capital markets technology.
In 2024, MCT announced a significant functionality improvement to MCTlive! through customizable duration analysis for specified loan products. This breakthrough introduces an innovative approach to specified loan product management. By empowering mortgage lenders to increase, review and refine the granularity of spec durations, MCT has developed a methodology that analyzes each execution across product-level cash windows, dealer pay-up surveys and specified pool executions. The solution enables more precise hedging and substantially reduces basis risk by providing lender-specific, execution-level duration calculations.
Through direct collaboration with clients, MCT launched the Base Rate Generator, which creates a direct link between front-end rate sheet pricing and back-end capital markets executions by leveraging live agency API connections, co-issue executions, aggregator pricing and custom TBA indications. It is a transformative pricing tool that enables mortgage lenders to optimize margin management and dramatically improve competitive performance.
MCT’s technological advancements have delivered financial and operational benefits to mortgage lenders across the industry. In the previous quarter, MCT helped lenders generate $136 million in additional earnings, with an average of $505,000 in additional profits per client, demonstrating the tangible value of MCT’s cutting-edge capital markets technology by directly improving lender profitability.
