Mortgage Intelligence

What Mortgage Intelligence does

Mortgage Intelligence Inc. is a Canadian national mortgage brokerage founded in 2004 and headquartered in North York, Ontario. The company operates a network of 550+ independent mortgage brokers across Canada with physical offices in Ontario, British Columbia, Alberta, and Quebec (including Kelowna, North Vancouver, Calgary, and Gatineau), and serves over 785,000 clients cumulatively with $190 billion+ in funded mortgages over its 20+ year history. Mortgage Intelligence functions as a subsidiary within M3 Financial Group (M3 Mortgage Group), which is positioned as Canada's #1 non-bank mortgage originator and represents $50 billion in mortgage activity.

The company's core product is mortgage brokerage services, connecting individual and small-business borrowers with a network of 50+ lender partners including the major Canadian banks (Scotiabank, TD, CIBC, BMO, RBC, National Bank, Desjardins), credit unions (Alterna, Coast Capital, Meridian, First Ontario, First West), and alternative lenders (Bridgewater, CMLS, Home Trust, MCAP, Merix). Mortgage Intelligence earns commission-based revenue from lenders on each successfully placed mortgage, supplemented by referral fees from insurance products (mortgage life, disability, critical illness, home, and auto). The technology layer is relatively lightweight: a broker-locator and online application portal on the company website, a suite of financial calculators (affordability, payment, refinance, rent-vs-buy, debt consolidation, closing fees), educational content (blog, video library), and the MOPOLO mobile app offering free credit score tracking, property valuations, and live rates. There is no disclosed use of AI/ML, proprietary underwriting models, or advanced data analytics in the product set.

Customer segments span first-time home buyers, homeowners seeking refinancing or renewal, self-employed borrowers, newcomers to Canada, vacation property buyers, real estate investors, and commercial mortgage clients. The go-to-market is a hybrid broker-assisted and self-serve model: brokers deliver personalized advisory and lender matching, while the website, calculators, and MOPOLO app support top-of-funnel education and self-service discovery. Distribution is entirely domestic (Canada), with bilingual support extending into Quebec via the French-language site intelligencehypothecaire.ca.

Name

Mortgage Intelligence

Legal name

Mortgage Intelligence Inc.

Website

https://mortgageintelligence.ca

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

251–500 employees

Short description

Mortgage Intelligence is a Canadian mortgage brokerage connecting borrowers with 50+ lenders through a network of 550+ independent brokers, serving first-time buyers, refinancers, self-employed borrowers, newcomers, and real estate investors across Canada as part of M3 Financial Group.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

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

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Residential mortgages
• Home financing
• Mortgage brokers
• Commercial mortgages

Headquarters

HQ city

Mississauga

HQ country

Canada

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Commission Revenue: Mortgage Intelligence operates as a mortgage brokerage and earns commissions from lenders when they place mortgage loans for customers. The company has relationships with over 50 lending institutions including major banks, credit unions, and private lenders. Brokers bring borrowers to the network, and the company receives referral fees or commission payments from these lender partners.
2. Insurance Referral Revenue: The company also generates revenue through insurance referrals, offering mortgage life, disability and critical illness insurance, as well as home and auto insurance products through their broker network.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Mortgage Intelligence is a Canadian national mortgage brokerage that connects borrowers with over 50 lender partners, including major banks, credit unions, and alternative lenders, through a network of independent mortgage brokers. It offers purchase, renewal, refinancing, self-employed, reverse, newcomer, and commercial mortgage solutions, supported by the MOPOLO mobile app, online application tools, and insurance products (mortgage life, disability, critical illness, home, and auto).

Product overview

Mortgage Intelligence is a Canadian national mortgage brokerage offering a comprehensive suite of mortgage products and services through a network of experienced brokers. The core offering centers on mortgage brokerage services for residential and commercial properties, supplemented by digital tools including the MOPOLO mobile app (providing CreditTracker, PropertyTracker, and InventoryTracker features), an online application portal, and a suite of financial calculators. The company provides access to over 50 lender partners including major banks, credit unions, and alternative lenders, alongside insurance products (life, disability, critical illness, home, and auto insurance). Educational resources include blog content and video content covering mortgage strategies, market trends, and home buying guidance.

Differentiator

Problem solved

Functional benefit

Brands

• Mopolo: A mobile application offering FREE Monthly Credit Score, FREE Property Evaluation, Personal Inventory Tracker, Credit Applications, and Live Rates. Available on iOS, Android, and Amazon app stores.

Products and services

• Mortgage Broker Network Services Network of independent mortgage brokers across Canada providing personalized advisory services, lender matching, and ongoing support for residential and commercial mortgage products.
• MOPOLO Mobile App Standalone mobile application offering free monthly credit score tracking (CreditTracker), free property evaluations (PropertyTracker), personal inventory tracking (InventoryTracker), credit applications, live mortgage rates, and mortgage calculators for Canadian consumers.
• Online Mortgage Application
• Mortgage Life, Disability and Critical Illness Insurance
• Home and Auto Insurance
• Commercial Mortgage Brokerage

Quantifiable outcome

• Over $190 billion in funded mortgages
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and secondary.

• M3 Mortgage Group (M3 Group)coreStrategic or Co-development PartnerParent company and strategic partner providing scale, technology, and operational support. M3 Group is Canada's #1 non-bank mortgage originator and includes brands like Invis, The Mortgage Alliance Company of Canada, Multi-Prêts Mortgages, Verico, Simplinsur and M3 Tech. Mortgage Intelligence operates as part of this group with $50B parent company backing.
• Major Canadian BankscoreTechnology or IntegrationPartnership with major financial institutions including Scotiabank, TD Canada Trust, CIBC, Bank of Montreal, National Bank, and Royal Bank of Canada for mortgage product distribution through the broker network.
• Credit Unions and Trust CompaniescoreTechnology or IntegrationRelationships with credit unions including Alterna Savings, Coast Capital, Meridian Credit Union, First Ontario Credit Union, and First West Credit Union providing diverse mortgage product options.
• Alternative and Private LenderssecondaryTechnology or IntegrationAccess to alternative lenders including Bridgewater Bank, CMLS Financial, Home Trust, MCAP, Merix, and private lenders for customers who may not qualify with traditional lenders.
• Insurance ProviderssecondaryChannel Partner/ Reseller/ DistributorPartnerships with insurance providers for mortgage life, disability and critical illness insurance, as well as home and auto insurance products offered through the broker network.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• The Mortgage Alliance Company of Canada: Sister company under M3 Group providing mortgage brokerage services through an independent broker network across Canada; essentially the same business model and value proposition as Mortgage Intelligence.
• Invis: Sister brokerage under M3 Mortgage Group offering residential mortgage brokerage through a similar broker network model in Canada; directly comparable product, customer base, and distribution structure.
• Dominion Lending Centres: One of Canada's largest national mortgage broker networks, operating a comparable independent-broker franchise model with access to multiple lenders and a similar transaction-commission revenue structure.
• Multi-Prêts Mortgages: Quebec-focused sister brokerage under M3 Group offering mortgage brokerage services through an independent broker network; same parent, comparable business model, distinct regional concentration.
• Centum Financial Group: Canadian mortgage broker network offering access to multiple lenders through independent agents; comparable product offering and customer base in the Canadian residential mortgage market.
• Verico: Sister brokerage under M3 Group operating a national mortgage broker network in Canada with similar lender access and broker-driven distribution model.

Emerging players

• Ratehub.ca: Canadian financial product comparison marketplace that funnels mortgage shoppers to lenders and brokers; competes for the same borrower attention at the top of the funnel and increasingly enables direct rate comparison that erodes traditional broker value.
• LowestRates.ca: Canadian rate comparison platform enabling borrowers to shop mortgages across multiple providers; comparable in addressing the same borrower pain point (rate-shopping friction) but delivered through a digital marketplace rather than a broker network.
• nesto: Canadian digital mortgage lender/broker competing directly for the same self-serve borrower segment that Mortgage Intelligence targets, but without the in-person broker network; represents a disruptive distribution model in the same product category.

Broad incumbents

• Scotiabank (Mortgage Direct Channel): One of Canada's Big Six banks offering mortgage products directly to consumers; competes with the broker channel for the same residential mortgage demand and represents one of Mortgage Intelligence's 50+ lender partners as well as a direct competitor in distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MortgageIntelligence
• LinkedInlinkedin.com/company/mortgage-intelligence
• Instagraminstagram.com/mortgageintelligence
• Xx.com/durhammortgages

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Mortgage Intelligence