Premier Member Spotlight: Vice Capital Markets
(One in a continuing series of profiles of Premier Members of the Mortgage Bankers Association. Please contact MBA’s Alicia Goncalves, CMB for information about Premier Member Spotlights.)
MBA NewsLink: Share a brief overview of your company
Vice Capital Markets: Since 2001, Vice Capital Markets has skillfully managed interest rate risk and driven profitability in over $1 trillion of MBS trades and mortgage-related transactions for mortgage lenders of all sizes and types nationwide. By employing proprietary risk-management models and a sophisticated investor and agency platform, Vice Capital has enabled clients to improve their secondary market strategies and achieve optimal sales gains.
With traders averaging over a decade of experience, Vice Capital offers the expertise necessary to address market challenges and consistently deliver secure and effective profitability growth for its clients.
MBA NewsLink: What key products or services would you like to showcase?
Vice Capital Markets: Vice Capital Markets delivers data-driven solutions to lenders that focus on maximizing profit, minimizing risk, and enhancing execution in secondary market operations. Our offerings include:
Vice Execution Portal™ (ViceEx) Our comprehensive whole loan trading platform, ViceEx, is a game changer for secondary market managers. It enables lenders to:
• Effortlessly compare investor and agency executions, including retained and co-issue servicing values.
• Automatically send and receive bulk bids across aggregators
• Identify optimal execution opportunities in real time—chances frequently overlooked by manual processes
This platform streamlines complex tasks and ensures that lenders obtain the highest value from each trade.
Custom Hedging Strategies
We don’t offer cookie-cutter solutions. Instead, we tailor every hedge to the lender’s pipeline, market posture, and risk appetite—providing precision-backed, real-time decision support that adapts to volatile markets.
Daily Position Management and Reporting
Our traders, each with over a decade of experience, actively manage positions in partnership with clients, ensuring clarity and responsiveness at every stage of the process.
Hands-On Support
From monthly invoice reviews to proactive execution analyses, our high-touch approach goes beyond basic risk management. We act as an extension of our clients’ capital markets teams, continually seeking ways to lower costs per loan and improve net gains.
These services collectively represent our mission: helping lenders navigate the complexities of the market with confidence and clarity.
MBA NewsLink: How would you describe your company’s culture?
Vice Capital Markets: Vice Capital Markets’ culture is grounded in transparency, trust, and an unwavering dedication to client success. We don’t support one-size-fits-all solutions—every strategy we develop is customized to the lender’s specific needs and goals.
Values that set us apart:
• Integrity First: We treat our clients’ pipelines as our own by providing advice based on honesty rather than incentives. If we don’t believe a strategy or execution option is sensible, we’ll be upfront about it.
• Relentless Accuracy: Every number we report has been double-checked, and every model has been back-tested. We’re not here to guess; we’re here to deliver precision.
• Collaborative Mindset: Our team isn’t just your vendor—we’re your partner. We interact with clients daily, making data-driven decisions together in real time.
• Sustainable Profitability: We focus on long-term gains rather than short-term wins. Many of our clients have been with us for over a decade, which is a testament to the value we build over time.
Initiatives and Achievements:
• Vice Execution Portal™ (ViceEx): A proprietary trading platform providing lenders unparalleled control and visibility over their secondary execution strategies.
• Case Studies in Performance: From small regional lenders to national mortgage banks, we have consistently assisted partners in reducing risk, enhancing margins, and increasing market competitiveness.
Ultimately, Vice is where market rigor meets human partnership. Our clients trust us not just because of what we do but also because of how we do it.
MBA NewsLink: How is your company engaged with MBA?
Vice Capital Markets: We have proudly been members of the MBA for over 20 years and remain deeply committed to supporting the organization and its members. Our involvement includes attending several MBA conferences each year, such as the National and Secondary Market Conferences, and participating in both in-person and virtual meetings with the Secondary Marketing Committee.
As active contributors, we’re thrilled to have joined the Capital Markets Committee and consistently share valuable educational resources—including webinars, articles, and videos—at no cost to MBA member firms of all sizes. Our aim is to promote collaboration and knowledge-sharing throughout the industry.
MBA NewsLink: What opportunities do you see for collaboration with lenders and servicers?
Vice Capital Markets: At Vice Capital Markets, we believe the most effective partnerships are built on shared goals—managing risk, improving execution, and enhancing profitability.
We’ve seen firsthand how combining capital markets expertise and operational insight drives mutual success.
Enhancing Secondary Market Execution
By working closely with lenders and servicers, we help optimize loan sale strategies using our ViceEx™ platform, which compares real-time aggregator and agency bids. This collaboration ensures clients never miss top execution opportunities—even in volatile markets.
Improving Hedging Strategies
We partner with lenders to refine hedging models that protect against market swings and empower competitive borrower pricing. Our strategies help clients lock in profits while supporting long-term stability.
Joint Education and Strategy Sessions
We regularly share insights on pricing models, lock policies, and the impact of Fed policy on mortgage rates. This provides actionable guidance that lenders and servicers can immediately implement to improve pipeline management and profitability.
Driving Operational Efficiency
From customized reporting to invoice reviews, our high-touch model allows servicers and lenders to reduce waste, improve controls, and ultimately lower their credit cost per closed loan.
