Oriana Financial

What Oriana Financial does

Oriana Financial Group of Canada Ltd. is a privately held Canadian mortgage brokerage founded in 2002 and headquartered in Vaughan, Ontario. The company operates through a network of 50-plus licensed mortgage agents distributed across Southern Ontario, supported by three physical offices in Vaughan (head office), Barrie, and Oshawa. Agents are lender-agnostic and place residential mortgages with a panel of more than 20 institutional lending partners, including chartered banks (TD, Scotiabank, Manulife Bank), monoline lenders (First National, MCAP, RMG, CMLS), and alternative lenders (Home Trust, Equitable Bank, Merix). Oriana also connects clients with mortgage default insurers (CMHC, Sagen, Canada Guaranty) and insurance referral partners for home, auto, and life coverage.

The company's core service lines are mortgage origination, refinancing, and renewal, with supporting tools that include a pre-approval form (24-hour agent response commitment), a suite of mortgage calculators (affordability, payment, refinance, rent vs. buy), and an educational resource library aimed at first-time home buyers (FHSA, Home Buyers' Plan, Home Buyers' Tax Credit, land transfer tax rebates). The technology stack is built on third-party SaaS rather than proprietary infrastructure: Scarlett CRM for customer relationship management, RELNKS for mortgage agent productivity, a corporate Zoom account for remote meetings, and email and social media marketing platforms. Oriana is a founding member of the Coalition of Independent Mortgage Brokers of Canada (CIMBC) and holds membership in the Canadian Mortgage Brokers Association (CMBA).

Revenue is generated through transaction-based commissions paid by lenders on closed mortgage volume. Distribution is sales-led and relationship-driven: customers reach Oriana via the website, online pre-approval or downloadable PDF application, direct agent contact, agent referrals, blog content, and office walk-ins. Customer segments are primarily individual residential borrowers, with first-time home buyers identified as the primary persona alongside refinancing and renewal use cases. The company does not disclose revenue or headcount beyond qualitative descriptions of "over 50 agents" and 101-250 employees, and it is privately held with no disclosed institutional investors or external funding events.

Name

Oriana Financial

Legal name

Oriana Financial Group of Canada Ltd.

Website

https://orianafinancial.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Oriana Financial is a Canadian mortgage brokerage founded in 2002, operating a network of 50-plus licensed agents across Southern Ontario through offices in Vaughan, Barrie, and Oshawa, originating, refinancing, and renewing residential mortgages with a panel of 20-plus lender partners.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Wholesale Mortgage Lending (Broker Channel) (FSALACAA)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Mortgage refinancing solutions
• Mortgage renewal services
• First-time homebuyer programs

Headquarters

HQ city

Woodbridge

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Commission Revenue: Oriana Financial operates as a mortgage brokerage, earning commissions from lenders for placing mortgages. Mortgage agents do not work for any specific lending institution but connect borrowers with lenders offering the best terms and rates suited to customer needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Oriana Financial is a Canadian mortgage brokerage that connects homebuyers and homeowners with mortgage lenders through a network of licensed mortgage agents. The firm earns commissions by placing borrowers with lenders offering competitive rates, and supports clients across the full mortgage lifecycle including pre-approval, new purchases, refinancing, and renewals. Supplemental services include insurance referrals and educational resources for first-time buyers.

Product overview

Oriana Financial is a Canadian mortgage brokerage operating as a single unified service rather than a platform-plus-modules architecture. The core offering consists of mortgage origination, refinancing, and renewal services delivered through a network of licensed mortgage agents across Southern Ontario. Supporting services include mortgage insurance referrals (CMHC, Sagen, Canada Guaranty), home/auto/life insurance referrals, and online calculator tools (Affordability Calculator, Payment Calculator, Refinance Calculator, Rent vs. Buy). The company also provides first-time home buyer educational resources covering government programs (FHSA, Home Buyers' Plan, Home Buyers' Tax Credit, land transfer tax rebates) and mortgage basics. Clients interact with the service through the website, online application portal (Scarlett Network), and in-person at three Ontario locations (Vaughan, Barrie, Oshawa).

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Origination Services Core brokerage service that pairs homebuyers and homeowners with mortgage agents who source mortgages from a panel of lenders on the client's behalf. Includes pre-approval, new purchase financing, and access to exclusive agent products.
• Mortgage Refinancing
• Mortgage Renewal Renewal advisory service for homeowners nearing the end of their mortgage term, offering competitive rate shopping and lender switching to avoid default lender renewals.
• Home, Auto and Life Insurance Referrals Referral service connecting clients with partner insurance brokers for home, auto, life, and home-based business insurance coverage.
• Mortgage Default Insurance Referrals Referral service for mortgage default insurance from Canadian insurers (CMHC, Sagen, Canada Guaranty), enabling qualified buyers to purchase homes with smaller down payments.
• Home Equity Loan Plan Product enabling clients to borrow up to 80% of their home's current value minus the outstanding mortgage balance, using the home as security with flexible repayment options.
• Mortgage Calculators Suite Suite of online calculator tools including Affordability Calculator, Payment Calculator, Refinance Calculator, and Rent vs. Buy comparison tool to help consumers understand mortgage options.
• First-Time Home Buyer Resources Educational content and advisory guidance on first-time buyer programs, tax incentives (FHSA, Home Buyers' Plan, Home Buyers' Tax Credit), land transfer tax rebates, and mortgage basics (Mortgages 101).

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

28 partnerships are on record, tiered core and minor.

• CIMBC (Coalition of Independent Mortgage Brokers of Canada)coreStrategic or Co-development PartnerOriana Financial is a founding member of CIMBC, an alliance that provides the brokerage with significant industry influence and clout while maintaining the close-knit support of a boutique brokerage. CIMBC provides enhanced consistency and superior proficiencies from solicitation through application and funding of mortgage transactions.
• CMBA (Canadian Mortgage Brokers Association)coreStrategic or Co-development PartnerOriana Financial mortgage agents hold membership in the Canadian Mortgage Brokers Association, a forum for provincial mortgage agent associations to cooperate, share resources, and coordinate engagement to identify trends and develop solutions to common industry and regulatory issues.
• AlternaminorOthersLending partner providing mortgage products to Oriana Financial customers
• B2B BankminorOthersLending partner providing mortgage products to Oriana Financial customers
• CMLSminorOthersLending partner providing mortgage products to Oriana Financial customers
• DucaminorOthersLending partner providing mortgage products to Oriana Financial customers
• EclipseminorOthersLending partner providing mortgage products to Oriana Financial customers
• Equitable BankminorOthersLending partner providing mortgage products to Oriana Financial customers
• FisgardminorOthersLending partner providing mortgage products to Oriana Financial customers
• First NationalminorOthersLending partner providing mortgage products to Oriana Financial customers
• Home TrustminorOthersLending partner providing mortgage products to Oriana Financial customers
• ICICI Bank CanadaminorOthersLending partner providing mortgage products to Oriana Financial customers
• Indigo BlueminorOthersLending partner providing mortgage products to Oriana Financial customers
• Manulife BankminorOthersLending partner providing mortgage products to Oriana Financial customers
• MarathonminorOthersLending partner providing mortgage products to Oriana Financial customers
• MCAPminorOthersLending partner providing mortgage products to Oriana Financial customers
• MerixminorOthersLending partner providing mortgage products to Oriana Financial customers
• OptimumminorOthersLending partner providing mortgage products to Oriana Financial customers
• RFAminorOthersLending partner providing mortgage products to Oriana Financial customers
• RMG MortgagesminorOthersLending partner providing mortgage products to Oriana Financial customers
• ScotiabankminorOthersLending partner providing mortgage products to Oriana Financial customers
• TD BankminorOthersLending partner providing mortgage products to Oriana Financial customers
• WealthOneminorOthersLending partner providing mortgage products to Oriana Financial customers
• CMHC (Canada Mortgage and Housing Corporation)minorOthersGovernment mortgage insurer providing default insurance to residential mortgage lenders, enabling Canadians to own homes with smaller down payments
• SagenminorOthersMortgage default insurer (formerly Genworth Canada) enabling Canadians to own homes more affordably and stay in homes during difficult financial times
• Canada Guaranty Mortgage InsuranceminorOthersMortgage default insurer offering common-sense underwriting and customer service excellence with solutions for lenders and mortgage agents
• Christopher A. Case - Case InsuranceminorOthersInsurance partner providing home, auto and life insurance referrals. Contact: [email protected], www.caseinsurance.ca
• David Boldovitch - Bold FinancialminorOthersInsurance partner providing home, auto and life insurance referrals. Contact: [email protected], www.boldfinancial.ca

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Ratehub.ca: Canadian digital mortgage comparison platform that connects consumers with brokers and lenders; comparable as a Canadian mortgage origination intermediary, though it operates digitally rather than through a brick-and-mortar agent network.
• Nesto: Canadian digital mortgage lender/broker with a tech-led brokerage model; comparable as a competing origination channel targeting the same first-time buyer and refinance customers in Ontario.

Direct peers

• The Mortgage Group (TMG): Canadian mortgage broker network serving independent agents across multiple provinces with shared lender access; directly comparable in operating model, agent structure, and product set.
• True North Mortgage: Large Canadian independent mortgage brokerage with multiple offices and a network of agents; directly comparable to Oriana as a multi-agent independent brokerage serving retail borrowers across multiple provinces.
• Verico Financial Group: Canadian mortgage broker network serving independent agents with shared technology, marketing, and lender relationships; directly comparable as a peer brokerage network organized around independent agents.
• Intellimortgage: Canadian independent mortgage brokerage network with multi-lender access and an agent-led distribution model; comparable for similar customer segments and Ontario market overlap.
• Dominion Lending Centres: Canada's largest mortgage broker network, providing shared infrastructure, branding, and lender access to independent brokerages; comparable as it offers Oriana's CIMBC membership equivalent at greater scale.
• Mortgage Alliance: Canadian mortgage brokerage network with a similar agent-recruitment and lender-aggregator model, providing technology, branding, and back-office support to independent agents across Canada.
• M3 Mortgage Group: Canadian mortgage brokerage operating a national agent network with a similar commission-based model and multi-lender panel; comparable as a direct head-to-head competitor for agent recruitment.
• Invis / Mortgage Intelligence: Canadian mortgage broker network (part of the Rocket Company / CIBC-originated ecosystem) serving independent agents with shared infrastructure; comparable for agent-recruitment competition in Ontario.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/OrianaFinancial
• LinkedInlinkedin.com/company/oriana-financial-group-of-canada-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oriana Financial