It is no secret that there has been a quantum shift in Mortgage Banking over the last two years. Maintaining competitive front-end pricing and maximizing bottom-line profitability requires a move from old secondary practices to new modes of operation. Among other changes, real spreads between best-efforts and mandatory mortgage executions have grown dramatically. The incentive to move to a hedged/mandatory selling model has never been stronger. MCT specializes in helping Mortgage Banks and other lenders in making this transition.

To ensure our clients’ continued profit performance and success in their day-to-day operations, MCT provides an end-to-end support service that we call:

The HALO (Hedging And Loan Sales Optimization) Program

An industry hallmark pipeline hedging and loan sale program – HALO – combines our market-proven pipeline hedging disciplines with best-execution negotiated loan sales services. The HALO Program enables our clients to lock in higher profitability, while efficiently mitigating risk associated with interest rate changes. Throughout each business day, MCT guides client actions to ensure that their pipeline of locked loans is optimally hedged. When loans are closed and ready for sale, MCT analysts evaluate all possible executions with state-of-the-art pricing tools to determine the best all-in price.

Over 200 clients have successfully implemented HALO with MCT over the last eight years with spectacular results. Our clients enjoy huge gain-on-sale increases, 100% mortgage pull through with investors, and new found operational efficiencies.

Please contact us to learn how the HALO Program can work for you.