MCO: The Operating System for Mortgage Companies
Powered by City OS • mco.run
The Industry Challenge
Mortgage companies today face a critical operating gap. Despite being drowning in data, leaders lack the clarity needed to navigate an increasingly complex landscape.
Fragmented Systems
Critical data trapped across disconnected platforms
No Clear Direction
Swimming in metrics but missing actionable insights
Zero Forecasting
Margin shifts catch you by surprise instead of being predicted
Trapped in Operations
CEOs stuck fighting daily fires instead of leading strategy
Backward-Looking Tools
Reports tell you what happened, never what to do next
The Breakthrough: OBI
Opinionated Business Intelligence
More than just data visualization or passive dashboards, MCO interprets your business context, forecasts what's coming, and prescribes the exact actions to take.
1
Here's What's Happening
Real-time intelligence across your entire operation.
2
Here's Why It Matters
Context-aware analysis that connects the dots.
3
Here's What to Do Today
Specific, prioritized actions for every role.
What MCO Is
MCO is the operating system for mortgage companies — the unified platform where fragmented data becomes unified intelligence, and intelligence becomes coordinated execution.
Traditional Approach
  • Multiple disconnected tools
  • Manual data reconciliation
  • Siloed insights and actions
  • Reactive decision-making
MCO Operating System
  • Single unified platform
  • Automated data integration
  • Connected intelligence and execution
  • Proactive, forecasted guidance
Powered by City OS — enterprise-grade infrastructure purpose-built for mortgage complexity.
ROI is the Product
MCO doesn't just provide information — it drives measurable returns across four critical dimensions of your business.
Revenue Growth
Lead intelligence and opportunity surfacing that directly increases production volume
Margin Expansion
Forecasting emphasized: Predictive modeling prevents margin erosion before it impacts profitability
Operational Efficiency
Automated workflows and intelligent prioritization reduce waste across every team
Leadership Leverage
From diminishing returns (d/acc) to exponential acceleration (e/acc) — leaders focus on strategy, not busywork
Profit Pulse: The Game Changer
Margin Monitor transforms profitability from a trailing indicator into a forecasted, manageable metric.
Real-Time Profitability Visibility
Track profitability at loan, branch, and enterprise level — instantly
Profit Drift Forecasting
Predict where company costs and revenue are heading before problems become losses
Cost-to-Produce Prediction
Model operational costs with precision across scenarios
Pricing Sensitivity Modeling
Test rate and fee adjustments before implementation to understand margin impact
Compensation Impact Analysis
Model how comp plan changes affect profitability across different production scenarios
Early Warning Signals
Automated alerts when margin trends deviate from projections — catch issues early
Productivity & Growth Modules
Ops Pulse
Intelligence that transforms sales activity into predictable production.
01
Sales Activity Intelligence
Pattern recognition across your pipeline
02
Coaching Opportunities
AI-identified moments for manager intervention
03
AI Follow-Up Guidance
Specific next actions for every loan officer
04
Production Forecasting
Predicted volume based on behavior patterns
Front Door
Recruiting intelligence that forecasts the impact before you hire.
Candidate Intelligence
Profile analysis with production potential modeling
Market Benchmarking
Compensation and performance data from comparable hires
Impact Forecasting
Projected revenue and margin contribution by recruiter
Onboarding Optimization
Best practices from your top performers
M-Coach: Your Daily Operating Rhythm
M-Coach transforms intelligence into coordinated execution across every role in your organization.
Daily Priorities
Not a generic task list — personalized actions ranked by impact, updated continuously based on changing conditions
Intelligent Coaching
Managers receive specific coaching opportunities with context: who needs help, why, and exactly what to say
Automated Follow-Up
AI tracks what matters and surfaces the right next step at the right time — nothing falls through cracks
Team Oversight
Leaders see the full picture: where teams are winning, where they're stuck, and what to do about it
"What Matters Most Today"
Every morning, every role gets clarity on their highest-leverage activities — no guesswork, no wasted effort

M-Coach turns organizational intelligence into daily execution — the difference between knowing and doing.
Architecture: Powered by City OS
MCO is built on three integrated layers that transform fragmented systems into a unified operating platform.
1
Data Layer
Unified integration across LOS, CRM, Accounting, POS, and PPE — one source of truth, automatically synchronized
2
Insight Layer
Forecasting + OBI Engine: Predictive intelligence that interprets data, models scenarios, and prescribes actions
3
Action Layer
M-Coach and City OS Coach deliver personalized guidance to every role — intelligence becomes coordinated execution
Built on enterprise-grade infrastructure designed specifically for mortgage industry complexity and regulatory requirements.
Growth Engine
MCO doesn't just optimize existing production — it systematically expands revenue through two automated opportunity sources.
Lead Development
AI-powered lead scoring and nurturing that identifies high-probability opportunities from your database and marketing channels
Loan Doctor
Automated weekly analysis surfaces hidden opportunities in your existing book — refinance potential, rate improvements, equity access
Result: Consistent, predictable pipeline expansion without additional marketing spend — your existing relationships become renewable revenue.
Benchmarking: The MCO Fabric
As more lenders join MCO, the platform gets smarter for everyone. The MCO Fabric creates a secure, anonymized network effect that benefits all participants.
Real-Time Benchmarking
Compare your metrics against industry peers instantly — know where you stand
Peer Comparison
Identify performance gaps and opportunities by segment, region, and product type
Best Practice Discovery
Learn from top performers without compromising competitive privacy
Industry-Informed Forecasting
Your predictions improve with aggregated market intelligence

The more lenders join, the more powerful MCO becomes — it's the network effect applied to mortgage operations.
MCO turns insight into predictable, measurable ROI
Predictable Growth
Measurable Impact
Actionable Insight
Strategic Focus
Freeing leaders to focus on winning, not firefighting.
mco.run