Lenders
Private mortgage lenders
Captured from the directory page read in full on 2026-11-15. The estate held none of this: its lender encyclopedia has no private lender or mortgage investment entity set. WOWA names 51 entities on the page (3 profiled with focus, provinces and approximate assets managed, 18 further named lenders, 30 mortgage investment funds). Underlying statistics are CMHC's, republished by WOWA with the source named on the page.
Source: WOWA, private mortgage lenders | Captured 2026-11-15 | Page content last updated as published: April 29, 2026
| Lender | Focus | Operates in | Approx. mortgage assets managed | Directory section |
|---|---|---|---|---|
| Neighbourhood Holdings Income Trust I (NHIT) | primarily residential | Ontario, Quebec, BC, Alberta and Atlantic Canada | approximately $484M CAD | profiled lenders |
| AWM Diversified MIC | primarily residential | Ontario, BC, Alberta and MB | approximately $295M CAD | profiled lenders |
| Premiere Canadian Mortgage Corp. | primarily residential | Ontario, BC, Alberta and MB | approximately $124M CAD | profiled lenders |
| Alpine Credits | named lenders (no detail published on this page) | |||
| Nuborrow | named lenders (no detail published on this page) | |||
| Prudent Financial | named lenders (no detail published on this page) | |||
| Canada Lend | named lenders (no detail published on this page) | |||
| Clover Mortgage | named lenders (no detail published on this page) | |||
| Calvert Home Mortgage | named lenders (no detail published on this page) | |||
| Guardian Financing | named lenders (no detail published on this page) | |||
| Capital Express | named lenders (no detail published on this page) | |||
| Victoria Financial | named lenders (no detail published on this page) | |||
| Trillium Mortgage | named lenders (no detail published on this page) | |||
| Sun Mortgage Corporation | named lenders (no detail published on this page) | |||
| Threshold Mortgage Corporation | named lenders (no detail published on this page) | |||
| Cliffton Capital Corporation | named lenders (no detail published on this page) | |||
| TempBridge | named lenders (no detail published on this page) | |||
| Craigburn Capital | named lenders (no detail published on this page) | |||
| Graysbrook Capital | named lenders (no detail published on this page) | |||
| Dhugga Mortgages | named lenders (no detail published on this page) | |||
| MCAN Mortgage Corporation | named lenders (no detail published on this page) | |||
| Scotia Mortgage Income Fund | mortgage investment funds list | |||
| IG Mackenzie Mortgage and Short Term Income Fund | mortgage investment funds list | |||
| First Mortgage LP (FMLP) | mortgage investment funds list | |||
| Mortgage Company of Canada Inc. (MCOCI) | mortgage investment funds list | |||
| Trez Capital Yield Trust U.S. | mortgage investment funds list | |||
| Amur Capital Income Fund | mortgage investment funds list | |||
| Antrim Balanced Mortgage Fund | mortgage investment funds list | |||
| VWR Capital Corp. | mortgage investment funds list | |||
| Capital Direct I Income Trust | mortgage investment funds list | |||
| Westboro Mortgage Investment Fund | mortgage investment funds list | |||
| Magenta Mortgage Investment Corporation | mortgage investment funds list | |||
| Calvert Home Mortgage Investment Corp (CHMIC) | mortgage investment funds list | |||
| Three Point Capital Corp. | mortgage investment funds list | |||
| Kuber Mortgage Investment Corporation | mortgage investment funds list | |||
| RiverRock Mortgage Investment Corporation | mortgage investment funds list | |||
| Amur Capital Conservative Income Fund Inc. | mortgage investment funds list | |||
| CMI MIC High Yield Opportunity Fund | mortgage investment funds list | |||
| Ginkgo Mortgage Investment Corporation | mortgage investment funds list | |||
| Genesis Mortgage Investment Corporation | mortgage investment funds list | |||
| CMI MIC Balanced Mortgage Fund | mortgage investment funds list | |||
| Trez Capital Yield Trust U.S. (USD) | mortgage investment funds list | |||
| Hosper MIC Balanced Fund | mortgage investment funds list | |||
| New Haven Mortgage Income Fund | mortgage investment funds list | |||
| Bayfield Mortgage Investment Corp. | mortgage investment funds list | |||
| Armada Mortgage Corporation | mortgage investment funds list | |||
| RESCO Mortgage Investment Corporation | mortgage investment funds list | |||
| Gentai Residential Mortgage Fund | mortgage investment funds list | |||
| Amur Capital High Yield Fund Inc. (ACHYF) | mortgage investment funds list | |||
| Truvera Mortgage (Senior) -1 Limited Partnership | mortgage investment funds list | |||
| Morex Capital Corp | mortgage investment funds list |
Published statistics
average lending rate top25 mie
| quarter | average lending interest rate |
|---|---|
| Q1 2023 | 8.6% |
| Q2 2023 | 8.9% |
| Q3 2023 | 9.5% |
| Q4 2023 | 10.4% |
| Q1 2024 | 10.5% |
| Q2 2024 | 10.5% |
| Q3 2024 | 10.4% |
| Q4 2024 | 10.3% |
| Q1 2025 | 10.2% |
| Q2 2025 | 9.8% |
geographic distribution
| region | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| British Columbia | 40.8% | 40.4% | 40.5% | 39.5% | 39.7% | 39.4% | 36.8% | 35.3% | 35.6% | 36.1% |
| Alberta | 5.9% | 6.3% | 6.4% | 6.8% | 7.1% | 7.2% | 7.9% | 8.4% | 9.0% | 9.1% |
| Ontario | 45.6% | 46.3% | 46.6% | 48.1% | 49.1% | 49.0% | 51.0% | 51.3% | 50.2% | 50.1% |
| Quebec | 6.3% | 5.4% | 4.8% | 3.9% | 2.0% | 2.1% | 2.0% | 2.5% | 2.7% | 2.5% |
| Others | 1.5% | 1.7% | 1.7% | 1.8% | 2.1% | 2.3% | 2.2% | 2.4% | 2.5% | 2.4% |
distribution source as published
CMHC Residential Mortgage Industry Report Fall 2025 Edition
delinquency as published
- Private mortgage delinquency rate 2.01% as of Q4 2025, compared to 0.14% at credit unions
- Private lender delinquency 1.73% in 2016 versus 0.24% at banks (CMHC)
- Delinquencies rose to 4.39% in 2019 with a further 2.36% in foreclosures
- Q1 2021 delinquency rate 2.53% and foreclosure rate 3.18%
example lending fees
| lender | lending fees |
|---|---|
| Calvert Home Mortgage | Starting from 1.5% |
| Guardian Financing | 2.5% |
| Craigburn Capital | 2% - 10% |
bank vs private average rate
| bank lenders | 4% - 5.5% |
|---|---|
| private lenders | 6.5% - 15% |
private ltv note as published
CMHC found LTV ratios for private mortgages typically ranged from 50% to 85%; first mortgages made up 78% of private lender mortgages