Calibrate • Focus • Execute
Unlock profitability by maximizing gains on sale
Lenders who succeed in today’s market will be the ones who create an extremely profitable process. While some will be successful at targeting their marketing, increasing new loan applications, and streamlining the loan origination process, they will fall short when it comes to overall execution.
The difference between a highly profitable mortgage lender and a mediocre one often comes down to the methods and tools they use to minimize risk and maximize profitability. There are many ways to run the lender’s secondary marketing operation but knowing the difference between the most and least effective ways is a key differentiator.
How to profit by avoiding the profit center approach
Many lenders set up their secondary marketing department as a profit center, but that’s the wrong approach. Secondary marketing is part of the lender’s core operation and should be staffed with professionals who are compensated for keeping it running in an optimal fashion.
The big mistake many lenders make is setting up this critical department as a profit center and then compensating their managers solely on gain on sale profitability. This is one of the surest ways to lose money (for more ways to mess up your secondary marketing, download our eBook here).
There is a better way. This is our forte and we have successfully helped hundreds of lenders achieve better results.
The support you need from a company you can trust
Since 1994, Mortgage Capital Management has helped mortgage bankers of every size become more profitable through the use of best-in-class pipeline risk management tools and strategies. Our pipeline risk management services, secondary marketing consulting, and hedging/trading services enable clients to prosper in any market environment.
Since 1994 the U.S. mortgage industry has called upon Mortgage Capital Management for expert advice and proven technologies all designed to deliver optimal results in services and software designed and built to deliver a more profitable enterprise. Our customer list includes some of the most successful firms in the business.
Lenders call on us to combine our state-of-the-art technology with personalized client service to help them develop a secondary marketing operation that consistently delivers optimal results for the loan products they originate, regardless of market dynamics. We provide a customized set of services designed to meet the specific needs of our customers. Our services always come with expert counsel from senior advisors who have a history of success.
The services you need for success
We offer a full menu of services that are custom bundled into the solutions our clients need. They include:
Price
Price to their optimal best execution and ensure profitability and competitiveness, regardless of market conditions
Hedge
Superior OAS-based analytics that use actual data to uncover insights which provide a higher degree of certainty for every decision.
Price and Hedge
Management of the pricing and hedging of float down locks and builder commitments, which takes the complexity out of the process and streamlines operations.
Maximize Gain
Total Sale Optimization – a successful approach that maximizes gain on sale which has transformed secondary marketing departments across the industry.
Utilize Neural Net / A.I.
Neural Net / A.I. Fallout Analysis and Forecasting to gain a better understanding of your business, the changing market and to plan more effectively.
MCM has expanded its product and service offerings to include servicing valuation and hedging in either a stand-alone or enterprise-wide hedging and valuation solution. For example, clients can have MCM hedge the value of their servicing portfolio as a stand-alone activity or combine it with pipeline hedging as well.
Given that most independent mortgage bankers lack the portfolio to counteract the changes of mortgage servicing rights other than to boost originations during refi-waves, MCM has developed and refined its core offerings, technology and service to include servicing hedging and valuation.
Whether you plan to hold servicing for the long haul or sell servicing rights in the not-too-distant future, we can set our hedge parameters around your desires and coverage needs.
Viewing the online demo costs you nothing and will shed light on a unique approach to secondary marketing success that you won’t find anywhere else. We’re also open to discussing your unique requirements to arrive at a workable solution that will help you achieve your unique goals. Once you see what’s possible with modern financial services technology, your successful future will begin to come into focus. Don’t settle for mediocre when excellence is achievable.
Get the MCM Competitive Advantage! Call us to today to learn more or schedule an online demo: 858.483.4404 x220
Call us to today to learn more or schedule an online demo
Learn About Our Products & Services
Learn more about our products and services and how they are being used to increase lender profits.
Turning On Neural Brain Network Tunes in Better Fallout Prediction
Since 1995 MCM has been working with Neural Networks for various projects including fallout prediction on a loan level basis. Initially the technology was slow and less than optimal, however, with the new tools, speed of processing available and techniques we have developed, Neural Networks/ AI has come to
MCM’s Open API Interface
MCM is pleased to announce the roll-out of its Open API. This API conforms to the Open API Specification and allows clients to integrate their LOS information with MCM’s Hedge Analytics and Reporting software.
Moral Hazard Residential Mortgage Servicing Policies
The moral hazard issue regarding mortgage servicing and its primary cause stems from the GAAP accounting ruling.
Forward Builder Commitment Indications
The difference between a highly profitable mortgage lender and a mediocre one sometimes comes down to the methods and tools used to minimize risk and decrease liability.
Turning On Neural Brain Network Tunes in Better Fallout Prediction
A computing system made up of simple, highly interconnected processing elements, that processes information by their dynamic state response to external inputs.
The Rocket Science of Hedging
With a successful hedging strategy, mortgage lenders can implement additional strategies to enhance its franchise value.
Take the Pain Out of Your Gain!
Discussing the increasingly troublesome accounting method termed "settlement account" as it relates to secondary marketing and ways to at least live with it - if not, have it replaced.
Rate Protection Plan
The new plan provides a maximum interest rate ceiling on a borrower's fixed-rate mortgage application for up to 180 days for no upfront fee.
Rate Protection Plan vs Renegotiations
The difference between a profitable mortgage lender and a highly profitable one not only comes down to the methods and tools used to minimize risk and decrease liability but also knowing which ones to use and when to use them.
Pipeline Hedging Strategies – Avoiding Whipsaw
Learn what it means to be whipsawed by the market, what options you have to avoid being whipsawed, and more.