# mTrade

> mTrade builds software and provides account support for institutions buying, monitoring and selling residential whole loans. Its mT360 platform connects trading partners, loan documents, data and vendors; RateLocker handles pricing and eligibility, while Life of Loan Warehouse retains loan records.

- **Founded:** 2016
- **Headquarters:** Oxford, United States
- **Founders:** Bill Rayburn (Co-founder, Chairman and CEO), Lois Lovelady (Co-founder, President and Chief Revenue Officer)
- **Products:** mT360, Loan Acquisition System, Surveillance, Disposition, Business Intelligence
- **Notable:** Fitch reported missing collateral documentation declining from 17% to 7% following an additional check implemented with J.P. Morgan. This is one customer workflow, not a platform-wide result., Recovco announced full Clean Room integration in 2018., Became naming sponsor of Oxford’s athletic park in 2019.

## Products & services

- **mT360** — Platform connecting residential whole-loan acquisition, portfolio surveillance, disposition and business intelligence.
- **Loan Acquisition System** — Ingests seller loan data in multiple formats and standardizes it for onboarding and reporting.
- **Surveillance** — Processes servicer data and supports payment-history review, gap detection and portfolio oversight.
- **Disposition** — Groups loans into pools and provides controlled bid-tape and document presentation.
- **Business Intelligence** — Loan and user tracking, performance metrics, and counterparty and vendor scorecards.
- **RateLocker** — Pricing and product-eligibility engine with configurable lock-desk workflows and best-efforts and mandatory pricing.
- **Life of Loan Warehouse** — Loan document and data retention with record retrieval for audits and other inquiries.
- **Dedicated account service** — Assigned client team familiar with each account and its operations.

## Achievements

- Fitch reported missing collateral documentation declining from 17% to 7% following an additional check implemented with J.P. Morgan. This is one customer workflow, not a platform-wide result.
- Recovco announced full Clean Room integration in 2018.
- Became naming sponsor of Oxford’s athletic park in 2019.

## Latest updates

- **2026-03** — Commercial Observer reported a five-year lease for 4,500 square feet at 20 West 55th Street, New York. It called the space a headquarters; mTrade’s public LinkedIn still identifies Oxford as headquarters.
- **2026-08** — Massachusetts’ breach register records an August 21 notification by Mortgage Trade Holding Co., LLC dba mTrade, affecting 16 Massachusetts residents. Indiana’s register also lists the company; state counts are not nationwide totals.

## Links

- Website: https://www.mtrade.com/
- LinkedIn: https://www.linkedin.com/company/mtrade-com

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Profile page: https://yespress.io/mtrade
Published by YesPress — https://yespress.io
Last updated: 2026-10-24