Outsourcing

Focus on your key investment decisions while we take care of the loan administration.

Our loan servicing solutions

MCAP provides a range of loan servicing solutions for residential lenders and commercial investors, as well as investors in residential construction.

Residential Outsourcing

Outsourcing any part of the mortgage life cycle is a highly specialized service. It requires unique expertise and skills as well as state-of-the-art, fully scalable systems. These factors, combined with a scale of operations large enough to achieve critical mass, will keep your unit costs low and allow you to better manage your business.

Take a look at the range of residential mortgage outsourcing solutions we offer and the team of industry professionals who can provide customized options and expert advice to meet your business needs.

Learn more about Residential Mortgage Outsourcing

Residential lenders looking to outsource their mortgage portfolios can experience the following benefits:

Underwriting experience and efficiency with a customizable underwriting platform designed to accommodate the individual needs of each sub-servicing client’s credit policy
Servicing expertise of highly trained, knowledgeable, customer focused staff on a fully private label basis
A proven history of successful private label portfolio management for over two decades
Utilization of MCAP’s proprietary, secure, market leading technology platforms and portals
Continual investment in enhancements to our digital capabilities, which the lender can utilize with no development effort or costs
Focused risk culture with strong measures and controls. Dedicated corporate services relating to AML/ATF, Fraud Mitigation, Information and Technology Security, Business Continuity and Disaster Recovery
MCAP Service Corporation was the first S&P rated residential mortgage servicer in Canada with an ‘Above Average’ rating for prime and sub-prime mortgages
Successful annual Section S3416 audit reporting on controls in a service organization; consistent ‘green’ insurer audits (CG, Genworth & CMHC); regular external investor audits
90-day non-performing loan performance results consistently well below the CBA arrears rates

Connect With Us Today
For more information about private label solutions, please contact our Residential Mortgage Outsourcing team to learn how we can help you achieve your strategic goals.

Commercial Outsourcing

MCAP provides customized loan servicing solutions for pension funds, life insurers, banks, and other institutional lines of business. MCAP’s team of dedicated commercial funding and servicing specialists administer loans held by both whole loan portfolio investors and public capital market entities.

MCAP provides customized loan servicing solutions for pension funds, life insurers, banks, and other institutional lines of business. Investors who outsource with us enjoy the benefits of being able to focus on key investment decisions for their mortgage portfolios while we take care of the necessary paperwork.

Institutional investors looking to outsource their mortgage portfolios can experience the following benefits:
Proven and experienced staff
MCAP's broad and specialized servicing team have the practical and professional experience in all economic conditions to provide the best in expert service to our investors.

Flexible servicing technology
MCAP seeks to understand your business requirements and customizes our service offering to reflect your individual needs, ensuring the information and level of service your stakeholders expect.

Institutional controls, regulatory requirements and disaster recovery programs
As a rated servicer and CMHC approved lender, MCAP meets all regulatory and institutional requirements, including audit and insurance standards, anti-money laundering and business continuity planning.

Information security
Maintaining the integrity of your personal financial information is one of our top priorities. By providing the latest technology and ensuring our staff stay up to date on security issues, MCAP takes every precaution to keep your data safe.

Financial strength
Since 1981, MCAP has been serving the mortgage industry and the largest independent Mortgage Finance Company in Canada., We are a solid, long-standing, and respected financing alternative to traditional products for borrowers and investors alike.

MCAP has maintained the following rating affirmations:

Fitch:
Commercial Primary Servicer CPS2-
Commercial Master Servicer CMS3+
Commercial Loan Level Special CLLSS3+
S&P:

Servicing Category	Overall Ranking	Management and Organization	Loan Administration	Outlook
Commercial primary	Above Average	Above Average	Above Average	Stable
Commercial master	Average	Above Average	Average	Positive
Commercial special	Average	Above Average	Average	Stable

Contact Us
For more information about this service, please contact Corinna Milevski, Senior Director, Commercial Loan Servicing, at Corinna.milevski@mcap.com.

Construction Loan Servicing

Investors in the development finance group who utilize our loan servicing solutions enjoy the benefits of being able to focus on key investment decisions for their mortgage portfolios while MCAP manages the ongoing administration and monitoring of the individual loans.

Institutional investors looking to outsource their mortgage portfolios choose MCAP because we offer a full-service package, that includes:

Proven and experienced staff
MCAP's broad and specialized servicing team have the practical and professional experience in all economic conditions to provide the best in expert service to our investors.

Flexible servicing technology
MCAP seeks to understand your business requirements and customizes our service offering to reflect your individual needs, ensuring the information and level of service your stakeholders expect.

Institutional controls, regulatory requirements, and disaster recovery programs
As a rated servicer and CMHC approved lender, MCAP meets all regulatory and institutional requirements, including audit and insurance standards, anti-money laundering and business continuity planning.

Information security
Maintaining the integrity of your personal financial information is one of our top priorities. By providing the latest technology and ensuring our staff stay up to date on security issues, MCAP takes every precaution to keep your data safe.

Financial strength
Since 1981, MCAP has been serving the mortgage industry and is one of the largest independent mortgage finance companies in Canada., We are a solid, long-standing, and respected financing alternative to traditional products for borrowers and investors alike.

Contact Us
For more information about this service, please contact Susan Feldman, Vice President of Investor Relations & Investment Management, at Susan.feldman@mcap.com.