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
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
April 23rd Market Commentary
MBS prices are up about 5/32 this morning while the DOW is up about 265 points as treasury yields are modestly lower to start the day, with the 10-year yield ticking down to around 4.59%, while the 2-year yield is hovering just below the 5% mark. Today's economic reports showed
April 22nd Market Commentary
MBS prices are up about 3/32 this morning while the DOW is up about 140 points as investors braced for a flood of corporate earnings. After its recent battering, the market rally has sunk to its most fragile point in months, and this week will be critical to determining
April 19th Market Commentary
MBS prices are up slightly after little economic data today. For the third week in a row, stronger than expected major economic data was unfavorable for mortgage markets. First it was job gains, then inflation, and now consumer spending, which eclipsed forecasts. As a result, mortgage rates climbed again to the highest
April 18th Market Commentary
MBS prices are down about 9/32 this morning while the DOW is down about 15 points as investors braced for Netflix to kick earnings season into high gear. Stocks have struggled amid concerns inflation is no longer cooling and the Federal Reserve could ease back on interest rate cuts.
April 17th Market Commentary
MBS prices are up about 9/32 this morning while the DOW is down about 100 points as investors interest rate worries coincide with a fresh slate of corporate earnings. Stocks have struggled to reprise their early-year rally, buffeted most recently by worries over heightened tensions in the Middle East
April 16th Market Commentary
MBS prices are down about 6/32 this morning while the DOW is up about 200 points. The moves come as bond yields remain at multi-month highs, coupled with rising tensions in the Middle East following Iran's weekend attacks on Israel. After the 10-year Treasury yield touched 2024 highs
April 15th Market Commentary
MBS prices are down about 13/32 this morning while the DOW is up about 160 points as yields on benchmark U.S. 10-year Treasuries jumped to their highest level since November on Monday after stronger-than-expected retail sales data from March suggested the Federal Reserve could delay cutting interest rates this year.
April 12th Market Commentary
MBS prices are up about 7/32 this morning while the DOW is down about 385 points as techs lost their winning ways, and as investors reeled from the banking sector's mixed results to kick off earnings season. Investors are scrutinizing quarterly results from Wall Street's big banks to assess