Consulting Services
MCM is unlike any other company currently serving lenders. Unlike consultants who have had some success in a secondary marketing role in the past, we are financial engineers who have made a study of profitable mortgage lending. We help our clients price their loan products, hedge against risk, trade their assets and maintain compliance operations. Much of what we do is study the numbers, and we are experts at mathematics.
Many of the products and services we make available to the industry are standalone offerings that lenders can buy and use to achieve better execution on their loan production. But our real strength is in providing our clients’ executive management with overall trading oversight, performance monitoring, and secondary reviews.
We have created a secondary marketing report card that can identify problems and opportunities in any lender’s operation. It is one key to higher overall profitability. It also provides a set of guidelines for our engagements.
Most often, the general consulting part of our offering starts with fact finding, where our experts help lenders understand where they are paying too much, taking on too much risk or leaving too much money on the table. In the vast majority of cases, we come on board to help the lender make the required changes to achieve overall better execution on every loan they close.
This work is never a one-size-fits-all proposition. It requires careful analysis and knowledge of the structural problems that keep lenders from higher levels of performance.
Every offering that MCM delivers today has been performed incorrectly by someone in the past – from the simple (using duration based hedging instead of an Option Adjusted Spread approach) to the more complex (trying to get best execution without the ability to securitize their pools). Our seasoned team has helped lenders of all types and sizes solve their problems.
MCM’s Total Sale Optimization (TSO) system, which sits at the core of many of our offerings, was designed and built not only to maximize each lender’s returns from individual loan sales and/or bulk sales, but to maximize all sales executable. The system takes advantage of an AI programming technique that considers all available executions. Nothing like it is available anywhere else.
Our clients all handle their secondary market operations in their own way, using our data, analytics and advice to make the best decisions. They may choose to keep it simple and offer their production via bulk sales, package their loans for bulk sales or hold them in portfolio. They each operate according to their own strategies, but all benefit from our experience.
Our team is well equipped to handle all pooling and sale optimization needs – whether our clients are seeking to improve gain on sale executions, streamline pooling and best execution, or just plan for the future. Some benefit even more by working with MCM to start securitizing their own loans. We can do the securitization for them, guiding them through that process.
The difference between a highly profitable mortgage lender and a mediocre one often comes down to the methods, tools, and experience deployed to minimize risk and optimize execution. There are many ways to run your secondary marketing / capital markets operation and knowing the difference between the most and least effective means is a key differentiator we bring to the market.
Partnership Account
MCM advises clients, who then execute trades, best execution based pooling and delivery. MCM is always available for conference calls to discuss trading strategies and to provide consulting and market analysis.
Guardian Account
MCM does it all, executing MBS trades, providing best execution based pooling and delivery, monitoring pricing and leading a daily client conference call to coordinate secondary marketing activities.
In both cases, our services keep pace with our client’s efforts, providing continuous support and advice from expert MCM Advisors. Further, our advice is not generic, but rather tailored to the specific needs of our clients.
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.
For nearly 30 years, the U.S. mortgage industry has called upon Mortgage Capital Management for expert advice and proven technologies all designed to deliver best execution in service to a more profitable enterprise. Our customer list includes some of the most successful firms in the business.
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. Don’t settle for mediocre results for your Non-QM lending business 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
Project & Services
May 8th Market Commentary
MBS prices are down about 3/32 this morning while the DOW is up about 85 points as investors tried to read the rate-cut runes and weighed a fresh batch of earnings reports for insight into the chance of a corporate America-spurred revival. Mortgage applications in the US rose
May 7th Market Commentary
MBS prices are down about 4/32 this morning while the DOW is up about 65 points as investors soured on Disney's earnings and hoped that interest-rate cuts are in the cards as soon as later this summer. Richmond Fed President Tom Barkin sees the economy slowing in the coming
May 6th Market Commentary
MBS prices are down about 3/32 this morning while the DOW is up about 60 points as Wall Street looked set to build on an end-of-week surge precipitated by a softer-than-expected jobs report that helped spur bets toward an earlier rate cut from the Federal Reserve. More than two-thirds
May 3rd Market Commentary
MBS prices are up about 12/32 this morning while the DOW is up about 325 points as upbeat earnings from Apple lifted spirits and a weaker-than-expected jobs report revived bets that the Federal Reserve could cut interest rates sooner than thought. Nonfarm payrolls increased a smaller-than-expected 175,000 (Briefing.com consensus
May 2nd Market Commentary
BS prices are up about 9/32 this morning while the DOW is up about 240 points after the Fed day storm, as investors set aside rate worries for now to focus on Apple earnings and the coming monthly jobs report. Jerome Powell played down the likelihood of an interest-rate hike,
May 1st Market Commentary
MBS prices are up about 5/32 this morning while the DOW is up about 130 points as disappointing earnings dented AI hopes while investors waited for the Federal Reserve's policy decision and clues to the chances of rate cuts. The Fed is widely expected to keep rates at a
April 30th Market Commentary
MBS prices are down about 8/32 this morning while the DOW is down about 330 points as new labor data came in hotter than expected while investors await the Federal Reserve's upcoming interest rate decision, along with earnings from Amazon. Investors are bracing for policymakers to hold interest
April 29th Market Commentary
MBS prices are up about 4/32 this morning while the DOW is up about 110 points to start a big week filled with a Federal Reserve rate decision, the monthly jobs report, and earnings from more "Magnificent Seven" tech heavyweights. In focus is whether Fed policymakers will backtrack
April 26th Market Commentary
MBS prices are up about 7/32 this morning while the DOW is up about 170 points as Alphabet and Microsoft earnings revived hopes for a Big Tech-led rally, even as a reading on the Federal Reserve's preferred inflation gauge showed price pressures remain sticky. Treasury yields declined by
April 24th Market Commentary
MBS prices are down about 7/32 this morning while the DOW is down about 130 points as the ten year treasury yield rose 1.17% to 4.65. Mortgage applications in the US fell by 2.7% from the previous week in the period ending April 19th, trimming the 3.3% increase