Mortgage Capital Trading® (MCT) is redefining mortgage capital markets technology by combining decades of institutional expertise with disciplined, applied AI. Through its MCTlive!® platform, MCT helps lenders price, hedge and execute loan sales more efficiently while delivering measurable financial outcomes in volatile market conditions.
In the past year, MCT introduced Atlas AI, a generative AI advisor built on a secure, retrieval-augmented architecture using MCT’s proprietary knowledge base. Designed for transparency and data protection, Atlas operates within an isolated cloud environment, ensuring sensitive non-public information never passes through external large language models (LLMs). This responsible deployment enables AI-powered guidance without compromising security or compliance.
Atlas AI reached a major industry milestone by delivering the first AI-generated hedge recommendation on a live mortgage pipeline — demonstrating real-world impact on capital markets execution. Internally, AI adoption has accelerated innovation, with AI generating over 40% of committed code on peak days and materially shortening feature development cycles. For users, Atlas acts as a force multiplier, delivering on-demand expertise, guided workflows and instant access to institutional knowledge. By embedding AI directly into trading and execution workflows, MCT continues to set the standard for modern, intelligent capital markets infrastructure.
