Fair Value Guidance

Our September 30, 2025, fair values guidance for existing portfolios should slightly decrease from their August 31, 2025, marks. The float income rate has remained relatively unchanged since August 31, 2025; Therefore, it has little impact on the escrow component of the value.  The decrease in mortgage rates from August 31, 2025 marks will lead to most of the decline in fair values.

MSR holders should expect a decrease in fair values ranging from less than one basis point to two (2) points, primarily due to the decrease in mortgage rates.

For portfolios that have a mix of Conventional and Government loans, we anticipate Fair Value changes as follows:

Conventional loans between -1 to -2 bps change from August 31, 2025, marks.Government loans between -1 to -3 bps change from August 31, 2025, marks.

If you have any questions or would like to schedule a call with our MSR team, please contact us today.

About MCT:

For over two decades, MCT has been a leading source of innovation for the mortgage secondary market. Melding deep subject matter expertise with a passion for emerging technologies and clients, MCT is the de facto leader in innovative mortgage capital markets technology.  From architecting modern best execution loan sales to launching the most successful and advanced marketplace for mortgage-related assets, lenders, investors, and network partners all benefit from MCT’s stewardship.  MCT’s technology and know-how continues to revolutionize how mortgage assets are priced, locked, protected, valued, and exchanged – offering clients the tools to thrive under any market condition.

For more information, visit https://mct-trading.com/ or call (619) 543-5111.

Media Contact:

Ian Miller
Chief Marketing Officer
Mortgage Capital Trading
619-618-7855
pr@mctrade.net