Mortgage Architects
Mortgage Architects is a Canadian mortgage brokerage operating a network of independent brokers connecting consumers with over 50 lenders across Canada. It earns lender-paid commissions on residential, commercial, and reverse mortgages, with adjacent equipment leasing via its EasyLease subsidiary.
- Company typePrivate
- Founded2014
- HeadquartersMississauga, Canada
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Mortgage Architects does
Mortgage Architects Inc. is a privately-held Canadian mortgage brokerage headquartered in Mississauga, Ontario, operating a network of independent mortgage brokers across Canada. Founded circa 2014, the company connects Canadian consumers with over 50 lending institutions, including major banks, credit unions, trusts, and other national and regional lenders. Independent brokers within the network advise on residential and commercial mortgages, refinancing, and renewals, supported by a consumer-facing website, the My Mortgage Planner mobile application (iOS and Android), a suite of online mortgage calculators (payment amount, rent vs. buy, affordability), and an educational learning centre with video content. The company holds provincial brokerage licenses including FSRA Ontario (#12728) and FCAA Saskatchewan (#316728), and operates a Quebec-specific entity under the French operating name Les Architectes hypothécaires.
The company earns revenue primarily through lender-paid commissions on closed mortgages, a transaction-fee model with no direct fees charged to consumers. Its product portfolio spans core residential and commercial mortgages, reverse mortgages for homeowners aged 55+ (distributed through partnerships with Equitable Bank and Home Equity Bank), and the wholly-owned EasyLease equipment leasing subsidiary serving Canadian businesses with a simplified application portal offering 24-48 hour turnaround. Target customer segments include first-time home buyers, self-employed Canadians, new Canadians with limited credit history, real estate investors, and senior homeowners. The company has no disclosed external funding rounds or institutional ownership, suggesting self-funded organic and selective inorganic growth, including the acquisition of Argentum and the launch of EasyLease.
Distribution combines a broker-led field channel (independent agents across 20+ Canadian cities including Toronto, Montreal, Calgary, Vancouver, Ottawa, and Edmonton) with self-serve digital channels (website, mobile app, and location-based broker search). Marketing relies on content marketing through the learning centre and blog, social media presence across Facebook, Instagram, LinkedIn, Twitter, and YouTube, and SEO-driven find-a-broker functionality. The business model is dependent on Canadian mortgage origination volume and lender compensation structures, exposing the company to interest rate cycles and housing market turnover.
Mortgage Architects firmographics
Firmographics- Name
- Mortgage Architects
- Legal name
- Mortgage Architects Inc.
- Website
- https://mortgagearchitects.ca
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Mortgage Architects is a Canadian mortgage brokerage operating a network of independent brokers connecting consumers with over 50 lenders across Canada. It earns lender-paid commissions on residential, commercial, and reverse mortgages, with adjacent equipment leasing via its EasyLease subsidiary.
- Ownership category
- akta.pro rank
Mortgage Architects industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Commercial & Multifamily Mortgage Brokers (FSALABAB), Reverse Mortgage Brokers (FSALABAD)
Keywords
Where Mortgage Architects is headquartered
LocationHeadquarters
- HQ city
- Mississauga
- HQ country
- Canada
- HQ region
- North America
Offices2 records
Markets served
Mortgage Architects business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Broker Commission (Lender Compensation): Independent mortgage brokers working within the Mortgage Architects network earn commissions paid by lenders when mortgages close. The lender compensates the broker for the services and solution provided, typically after the mortgage has closed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No-cost mortgage advisory service |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Mortgage Architects product offering
Product offeringCore offering
Mortgage Architects is a Canadian mortgage brokerage network that connects borrowers with over 50 lending institutions (major banks, credit unions, trusts, and national/regional lenders) to source residential and commercial mortgages, refinancing, renewals, and reverse mortgages. Its independent brokers earn commissions paid by lenders after a mortgage closes, with no direct fee charged to consumers. The company also offers the EasyLease equipment leasing program for businesses and digital consumer tools including the My Mortgage Planner mobile app and online mortgage calculators.
Product overview
Mortgage Architects is a Canadian mortgage broker network operating as a unified platform offering commercial and residential mortgage services. The core offering connects borrowers with over 50 lending institutions across Canada. The product portfolio includes: core mortgage brokerage services (Buying, Refinancing, Renewing), the EasyLease equipment leasing program, Reverse Mortgage solutions for seniors 55+, the My Mortgage Planner mobile app, a suite of online Mortgage Calculators, and an educational Learning Centre. These products work together to provide end-to-end mortgage solutions from initial qualification through ongoing management.
Differentiator
Problem solved
Functional benefit
Brands
- EasyLease: Equipment leasing division offering financing solutions for Canadian businesses to acquire equipment through leasing arrangements with quick turnaround times and simplified application processes.
Products and services
- Commercial & Residential Mortgage Brokerage Services Core mortgage brokerage services connecting Canadian borrowers with over 50 leading lenders for competitive rates on home purchases, refinancing, renewals, and commercial mortgage needs; offered through the independent broker network.
- Reverse Mortgage Mortgage solution for Canadian homeowners aged 55+ allowing access to up to 55% of home equity without required monthly payments; offered through Equitable Bank and Home Equity Bank.
- EasyLease Equipment Leasing Equipment leasing program offering financing for Canadian businesses with a quick 24-48 hour turnaround via the Easylease Express portal, and complete branded turnkey leasing programs for equipment suppliers.
- My Mortgage Planner Mobile App Mobile application providing tools to help consumers navigate the Canadian mortgage landscape, including pre-qualification and mortgage planning features; available on iOS and Android.
Quantifiable outcome
- Access to over 50 lenders for competitive rates
Companies that use Mortgage Architects
Customer profileSegments6 records
Ideal customer profiles6 records
Mortgage Architects technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Mortgage Architects partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Over 50 Canadian LenderscoreMortgage Architects provides access to over 50 of Canada's leading lenders including major banks, credit unions, trusts and other national and regional lenders. These lender partnerships form the core of the mortgage broker network value proposition, enabling brokers to shop rates and products on behalf of customers.
- Equitable BankcoreOne of two Canadian Schedule I banks offering reverse mortgages. Equitable Bank's reverse mortgage products are offered through Mortgage Architects brokers to Canadian homeowners aged 55+.
- Home Equity BankcoreOne of two Canadian Schedule I banks offering reverse mortgages. Home Equity Bank's reverse mortgage products are offered through Mortgage Architects brokers to Canadian homeowners aged 55+.
- CMHC (Canada Mortgage and Housing Corporation)coreCanada's national housing corporation providing mortgage loan insurance and mortgage programs. Mortgage Architects offers CMHC products including Purchase Plus Improvements Mortgage for homebuyers.
- Make-A-Wish CanadaminorMortgage Architects is a proud supporter of Make-A-Wish Canada, a charity that grants wishes to children with life-threatening medical conditions. Total amount raised: $61,104.44 (as of January 22, 2021).
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Mortgage Architects competitors and assessment
Company assessmentOthers
- HomeEquity Bank: HomeEquity Bank is the other Schedule I bank offering reverse mortgages in Canada, distributing through Mortgage Architects' broker network. As a lender partner, it represents the supply-side participant in the broker distribution model that Mortgage Architects operates within.
- Equitable Bank: Equitable Bank is one of two Canadian Schedule I banks offering reverse mortgages through Mortgage Architects brokers. As a lender partner, it provides both partnership revenue opportunity and a comparable Canadian alternative lending institution in the broker ecosystem.
Emerging players
- CanWise Financial: CanWise Financial is a Canadian mortgage brokerage that offers multi-lender rate shopping, originally co-founded with a major broker network. It is comparable to Mortgage Architects as a Canadian mortgage broker leveraging lender aggregation for consumer pricing.
- Pine (by Pineapple Financial): Pine is a Canadian tech-enabled mortgage brokerage platform offering a digital-first broker experience. It competes with Mortgage Architects by combining broker expertise with streamlined digital tools targeting younger Canadian home buyers.
- nesto: nesto is a Canadian digital mortgage lender and brokerage that offers a cloud-based, fully online mortgage experience. It represents the emerging fintech approach that competes with traditional broker networks like Mortgage Architects by reducing friction in rate shopping and origination.
Direct peers
- Ratehub.ca: Ratehub.ca is a Canadian mortgage rate comparison and broker platform that helps consumers compare rates from multiple lenders and connect with brokers. It competes directly with Mortgage Architects in the multi-lender shopping and broker-matching experience.
- Dominion Lending Centres (DLC): Dominion Lending Centres is Canada's largest mortgage broker network, operating a model nearly identical to Mortgage Architects with a national network of independent mortgage professionals accessing multiple lender partners. It is the most directly comparable peer in scale and business model.
- Loans Canada: Loans Canada operates a Canadian online lending and mortgage broker marketplace connecting borrowers with multiple lenders, comparable to Mortgage Architects in serving as an intermediary that aggregates lender options for consumers across Canada.
- Mortgage Brokers OAA (Ontario Association approach) / Verico: Verico is a Canadian mortgage broker network that recruits independent mortgage professionals and provides access to multiple lenders, closely paralleling Mortgage Architects' channel partner model and lender aggregation value proposition.
Broad incumbents
- Rocket Mortgage (Canada operations): Rocket Mortgage is the largest US direct-to-consumer mortgage lender with growing Canadian presence through its Rocket Canada operations. It represents the broad-incumbent digital mortgage model that competes with traditional broker networks on speed and self-serve experience.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Mortgage Architects social profiles
Digital presenceMortgage Architects financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mortgage Architects leadership team
Management profileNumber of profiles
Profiles4 records
Mortgage Architects subsidiaries and ownership
Company hierarchySubsidiaries1 record
Mortgage Architects funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mortgage Architects M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mortgage Architects
What does Mortgage Architects do?
Mortgage Architects is a Canadian mortgage brokerage network that connects borrowers with over 50 lending institutions (major banks, credit unions, trusts, and national/regional lenders) to source residential and commercial mortgages, refinancing, renewals, and reverse mortgages. Its independent brokers earn commissions paid by lenders after a mortgage closes, with no direct fee charged to consumers. The company also offers the EasyLease equipment leasing program for businesses and digital consumer tools including the My Mortgage Planner mobile app and online mortgage calculators.
Is Mortgage Architects a public or private company?
Mortgage Architects is a private company. It is classified as management employee owned and is currently operating.
When was Mortgage Architects founded?
Mortgage Architects was founded in 2014. It employs 251 to 500 people.
Where is Mortgage Architects based?
Mortgage Architects is headquartered in Mississauga, Canada, in the North America region.
How does Mortgage Architects make money?
One revenue line is on record: broker Commission (Lender Compensation).
Who are Mortgage Architects's main competitors?
Others on record are HomeEquity Bank and Equitable Bank. Emerging players are CanWise Financial, Pine (by Pineapple Financial) and nesto. Direct peers are Ratehub.ca, Dominion Lending Centres (DLC), Loans Canada and Mortgage Brokers OAA (Ontario Association approach) / Verico. Rocket Mortgage (Canada operations) is listed as a broad incumbent.
Does Mortgage Architects have an API?
No public API is recorded for Mortgage Architects.
What industry is Mortgage Architects in?
Mortgage Architects's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALABAB, Commercial & Multifamily Mortgage Brokers. Its NAICS code is 522310 and its SIC code is 6163.