CD MORTGAGES INC.

What CD MORTGAGES INC. does

CD Mortgages Inc. is a privately held Canadian mortgage brokerage founded in 2019 by Carlo Del Giudice and headquartered at 4250 Weston Rd, North York, Ontario. The firm operates as a franchisee under the Dominion Lending Centres (DLC) network — specifically the DLC Clear Trust Mortgages brand — which provides access to more than 230 lending institutions (including the major Canadian banks, credit unions, trust companies, and private lenders) and a national cross-referral network of 2,300+ DLC members. CD Mortgages originates residential, commercial, and private mortgage transactions on behalf of individual and SMB borrowers, with documented specialization in self-employed borrowers (over 80% of 2021 funded volume) and complex files routed to B-lenders, Mortgage Investment Corporations, and private lenders when A-lender channels are unavailable.

The product portfolio comprises three core offerings — residential mortgages (home purchase and renewal), commercial mortgages (business acquisition, investment, and relocation financing), and private financing (short-term alternative lending, typically 6–24 months) — plus a formalized refinance product line. There is no proprietary technology platform; the firm is a traditional intermediary business in which the broker personally manages each client relationship from consultation through signing. Distribution is built on direct consultation (in-person and remote), professional referrals from realtors, lawyers, accountants, and financial advisors, DLC cross-referrals, content marketing via an active blog, and organic Instagram presence.

The business model is transaction-based with two revenue streams: lender-paid commissions on A-lender and monoline residential files (client pays no fee), and broker/client-paid fees on B-lender, private, and commercial files where the lender does not compensate the broker directly. Fee levels are quote-based and not publicly disclosed. Headcount is reported as 1–10, with Carlo Del Giudice as the sole named producer; the founder has publicly indicated intent to expand the team. The firm has accumulated industry recognition including the DLC Platinum Award (Top 10%, 2020), Master Award (Top 2%, 2021), Pinnacle Award for $100M+ funded in 2022, and Legend Award (Top 0.04%, 2024), as well as induction into the Dominion Lending Hall of Fame.

Name

CD MORTGAGES INC.

Legal name

CD Mortgages Inc.

Website

https://cdmortgages.ca

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

CD Mortgages Inc. is a privately held Canadian mortgage brokerage operating as a Dominion Lending Centres franchisee, originating residential, commercial, and private mortgage transactions for individual and SMB borrowers, with a documented specialization in self-employed clients, out of a single office in North York, Ontario.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG)

Keywords

• Mortgage brokerage
• Residential mortgages
• Commercial mortgages
• Private lending
• Mortgage refinancing

Headquarters

HQ city

North York

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Lender-paid commissions (A-lender / monoline): For standard residential mortgage transactions placed with A-lenders (TD, RBC, Scotia, BMO, CIBC, Manulife, Desjardins, Meridian) or monoline lenders, the broker is paid directly by the lender and services are free to the client.
2. Broker fee (B-lender, Private, Commercial): When a B-lender, Private lender, or Commercial lender does not pay the broker directly, the broker charges a fee to the client for their work on the file. Lender fees may also be charged on riskier B/Private/Commercial files.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

CD Mortgages Inc. is an independent mortgage brokerage that places residential, commercial, and private mortgage financing for clients across Canada via the Dominion Lending Centres franchise network. The broker delivers tailored home purchase, refinance, and renewal solutions by submitting applications to multiple A-lenders, B-lenders, and private lenders (including Mortgage Investment Corporations). Services are delivered personally by founder/broker Carlo Del Giudice from initial consultation through mortgage signing.

Product overview

CD Mortgages Inc. operates as an independent mortgage brokerage under the Dominion Lending Centres network, offering a multi-tiered mortgage product portfolio comprising Residential Mortgages (home purchases and renewals), Commercial Mortgages (business and investment financing), and Private Financing (alternative short-term lending for those unable to qualify through traditional channels). The company differentiates itself through tailored lending plans, exclusive access to 230+ lending institutions including major banks, credit unions, and private lenders, and 24/7 availability. Services are delivered through broker Carlo Del Giudice, with products spanning A-lender, B-lender, and private lending solutions, including Mortgage Investment Corporations (MICs).

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Home purchase and mortgage renewal brokerage services for individual homeowners, placing financing through A-lenders, B-lenders, or private lenders based on the client's credit profile and needs. Includes tailored lending plans, multi-lender submission, 120-day rate lock-in, and 24/7 broker availability.
• Commercial Mortgages Brokerage services for business owners and investors buying, selling, relocating, or investing in commercial ventures, utilizing A, B, or private financing options tailored to the specific business endeavor.
• Private Financing Short-term alternative lending solutions (6–24 months) for borrowers unable to qualify through traditional A or B lenders, providing access to private lenders and Mortgage Investment Corporations (MICs), including exit-strategy planning into longer-term financing.
• Refinance Services Mortgage refinancing brokerage solutions to help clients access home equity for debt consolidation, home improvements, investments, or rate optimization, including switching from variable to fixed rates.

Quantifiable outcome

• Over 80% of 2021 business came from self-employed clients
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Dominion Lending Centres (DLC)coreChannel Partner/ Reseller/ DistributorCD Mortgages Inc. operates as a franchisee/member of Dominion Lending Centres, Canada's national mortgage and leasing company with over 2,300 members. This affiliation provides CD Mortgages access to more than 230 lending institutions including big banks, credit unions, and trust companies. The partnership enables cross-referrals within the national network and lends credibility through DLC's brand recognition across Canada. Carlo Del Giudice was inducted into the Dominion Lending Hall of Fame as a top performer within the DLC network.

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Verico Financial Group: Canadian mortgage broker network with member brokers across Canada. Competes directly with DLC-affiliated brokers for lender access, agent recruitment, and consumer mortgage origination volume.
• The Mortgage Group (TMG): Canadian mortgage brokerage network providing independent brokers with multi-lender access. Operates a similar model to CD Mortgages' DLC affiliation, making it a directly comparable competitor for borrowers and lender relationships.
• True North Mortgage: Canadian mortgage brokerage offering residential purchase, refinance, and renewal across multiple lender products. Comparable to CD Mortgages in multi-lender brokerage model, target customer, and service-based origination approach.
• Mortgage Architects: Canadian mortgage brokerage network with franchise/broker member model across Canada. Directly comparable to CD Mortgages as a competing broker network offering independent brokers access to multiple lenders and support infrastructure.
• Mortgage Alliance: Canadian mortgage brokerage network providing multi-lender access to independent brokers. Competes with CD Mortgages for self-employed and complex-credit borrowers in the residential brokerage segment.
• Mortgage Intelligence (M3 Financial Group): Canadian mortgage broker network offering independent brokers access to multiple lending institutions. Directly comparable to CD Mortgages in business model, target customer (residential borrowers), and revenue structure.
• Invis Mortgage Solutions: Canadian mortgage broker network with member brokers across Canada providing multi-lender residential and commercial mortgage access. Directly comparable in business model, target segments, and broker-network structure.

Emerging players

• Pineapple Financial: Canadian digital mortgage brokerage with a tech-led approach to residential lending. Comparable to CD Mortgages in product scope (residential purchase/refinance) but differentiated by online-first origination that traditional solo brokers must compete with for digital-native borrowers.
• nesto: Canadian online mortgage brokerage offering competitive rates through a digital platform. Targets the same residential purchase/refinance borrower that CD Mortgages serves, representing a different GTM (digital vs. consultation-led) competing for the same end customer.

Broad incumbents

• Dominion Lending Centres (DLC): National Canadian mortgage brokerage franchise network and CD Mortgages' parent affiliation. DLC operates 2,300+ member brokers and provides the lender-access infrastructure CD Mortgages leverages, making it the closest comparable operating model at a much larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/cdmortgages
• LinkedInlinkedin.com/company/cd-mortgages

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CD MORTGAGES INC.