MCT launches real-time lender pricing analytics tier

Mortgage Capital Trading has introduced Lender Analytics Advanced, a new tier aimed at helping mortgage lenders measure front-end pricing against the market and estimate the volume impact of margin changes. The tool is built on lock and delivery data and is designed to help lenders defend pricing, capture margin and respond faster to market shifts.

Why it matters: - Mortgage lenders can now compare front-end pricing against the market in real time instead of relying on instinct or delayed feedback. - The new tier is designed to show what a margin change could mean for volume, profitability and market share. - MCT is positioning the product as a decision tool for secondary marketing teams and margin managers under pressure to defend pricing.

What happened: - Mortgage Capital Trading, Inc. launched Lender Analytics Advanced, a new tier of its Lender Analytics platform. - The product is built for mortgage capital markets teams and margin managers. - MCT said the launch gives lenders a more accurate competitive view of borrower pricing and the market share impact of margin decisions. - Existing MCT clients can onboard in as little as one day. - New clients can onboard in about one week. - MCT is hosting a webinar on August 20, 2026, for lenders interested in the product.

The details: - Lender Analytics Essentials focuses on back-end questions such as which investors bought a lender’s loans and what they paid. - Lender Analytics Advanced focuses on front-end pricing, including how a lender’s pricing compares with the market and what a margin move might cost or gain in volume. - The platform uses actual locks and deliveries rather than quotes, surveys, models or third-party estimates. - The data comes from MCT Marketplace. - MCT says the marketplace includes more than half of correspondent lenders, more than 95% of correspondent buyers and pricing activity across 80% of U.S. zip codes. - MCT describes that set as the largest buyer-and-seller secondary marketing data set on the market. - The company says Advanced adds analytics for Front-End Pricing, Agency vs. Aggregator Pricing, TBA vs. Sold Pricing Movement, Best Efforts to Mandatory Spreads, Spec Pipeline Composition and Trends, and TBA Roll Costs and Volumes. - The platform is intended to help lenders increase market share, capture margin, defend pricing strategy and adjust to shifting spec pay-ups.

Between the lines: - The launch suggests MCT is trying to move lender analytics from retrospective reporting toward active pricing management. - The emphasis on peer-to-peer and investor comparison signals that lenders are looking for evidence they can use internally and with originators. - Sarah Hellman, director of Lender Analytics, said daily conversations with mortgage capital markets leaders pointed to a need for better visibility into front-end pricing position. - Hellman said the combination of lock data and secondary market insights is meant to improve profitability. - Ashley Puckett, AVP of Capital Markets at Novus Home Mortgage, said peer-to-peer and investor comparisons provide needed intel.

What's next: - MCT is directing lenders to contact the company or register for the August 20 webinar to learn more. - The company is likely to use Lender Analytics Advanced to deepen adoption of its broader analytics platform among mortgage lenders. - Lenders evaluating the product will be able to test whether the pricing data can help them make faster margin decisions and reduce exceptions.

The bottom line: - MCT is betting that real-time pricing intelligence will become a core secondary marketing tool for lenders trying to win business and protect margin.