MCAP is an independent Mortgage Finance Company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. Founded in 1981, MCAP originates, trades, securitizes and services mortgages in offices across Canada. MCAP originates residential mortgages exclusively through the mortgage broker channel as we believe that a professional mortgage broker is a homeowner's best option and MCAP actively promotes the services of mortgage brokers across the country.

MCAP is also a leader in the Canadian residential construction lending market with over 25 years in the business. Our teams of dedicated professionals serve a variety of developer, construction and lender clients across Canada.

MCAP Service Corporation
Ontario Mortgage Brokerage #10515
Ontario Mortgage Administrator #11692

MCAP Financial Corporation
Ontario Mortgage Brokerage #10600
Ontario Mortgage Administrator #11790

Commercial Real Estate

Construction

Property Development

Residential

MCAP

This department manages the processing and oversight of financial transactions and ensures effective capital market operations.

Middle Office Operations

This department is responsible for assessing and evaluating mortgage applications to determine eligibility and risk.

Underwriting Department

This department is responsible for designing, developing, and maintaining software applications and systems.

Software Engineering

This department focuses on managing capital market activities and facilitating the origination of commercial mortgages and real estate lending.

Capital Markets and Origination

This department focuses on managing and servicing mortgage products and transactions.

Mortgage Services

The Operations and Technology Management team at MCAP is responsible for optimizing the efficiency and effectiveness of the company's mortgage service operations through advanced technology solutions and operational strategies. They oversee default management, servicing operations, and IT applications, ensuring seamless processes and high-quality service delivery. Additionally, the team focuses on technological innovation and risk management to enhance client experiences and operational performance across all real estate financing services.

Operations and Technology Management

The Leadership Team at MCAP is responsible for strategic direction and operational oversight, ensuring the company is well-positioned to meet its goals in mortgage finance and construction lending. Comprising seasoned executives from various functional areas, including operations, technology, compliance, and sales, this team collaborates to enhance organizational efficiency, drive innovation in mortgage solutions, and maintain compliance with industry regulations while fostering strong relationships with mortgage brokers and clients across Canada.

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Other teams

Underwriting Department

Software Engineering

Capital Markets and Origination

Mortgage Services

Operations and Technology Management

Leadership Team