• Accurately understand their pipeline
• Adjust for market conditions
• Develop risk management strategies
• Execute appropriate policies and trades

So that its clients have the most up-to-date information about their pipeline Commerce Velocity downloads their data every night or as often as it’s available. Commerce Velocity then uses its proprietary financial models and real-time market data to provide an accurate picture of their pipeline from commitments to closed loans. These models allow clients to view the key elements of their pipeline under different assumptions. Clients can also take advantage of Commerce Velocity's experience and independent market perspective to help make informed decisions.

Once decisions are made many mortgage bankers have the ability to execute their own hedging strategies. For those that don’t, Commerce Velocity will execute hedge recommendations and best execution advice. This involves trading options, mortgage backed securities, Treasury futures and options through accounts established by the client with investors and authorized by the client’s board of directors.

In addition to day-to-day capital management Commerce Velocity helps mortgage companies:

• Analyze current operations
• Adopt the ‘best practices’ observed throughout the industry
• Establish key relationships with secondary market participants
• Train or coach key employees
• Develop growth and contingency strategies