MCAP is Canada’s largest independent Mortgage Finance Company. MCAP originates, trades, securitizes and services residential, construction and commercial assets on behalf of institutional investors.
Trusted by Canadians for over 35 yearsMCAP has been driven to provide exceptional value for our customers in our chosen markets. We operate, while upholding the highest standards of trust, compliance, and integrity. We provide market-leading funding solutions providing superior value for our borrowers and investors. |
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$150 B
In assets under management
400K+
Homeowners across Canada
1,500+
Employees in over 10 offices across Canada
30+
Institutional Investors
Whether you’re a broker, investor or looking for an outsourcing partner, our broad experience in the mortgage industry means we consistently deliver value to everyone we do business with. We are committed to working with you to support your objectives.
Learn more about becoming an MCAP broker
Learn more about becoming an investment partner
Learn more about our outsourcing solutions
Independent Mortgage Finance Company
As Canada’s largest independent Mortgage Finance Company, MCAP has the access to capital and the expertise to offer a variety of competitive, industry-leading solutions to complex opportunities and challenges. We believe our business model and our industry expertise allow us to provide superior value to our customers: residential homeowners, commercial borrowers, residential land developers, and institutional investors.
Our people are our greatest asset, and we are proud to both attract and nurture talent and develop long-term employees that bring extensive market knowledge, technical expertise and industry relationships to our company. Our people have allowed us to build strong, long-standing relationships with major Canadian financial institutions, borrowers, and brokers that ensure we deliver the high-quality of service our customers need.
We are national in scope and administer thousands of mortgages across Canada. With employees across the country and our robust technology platform, we are able to adapt to changing market conditions and continue delivering outstanding value to our customers and partners every day.
Meet MCAP’s leaders who champion our mission and guide our strategic direction.
In 1981, three individuals had a vision to form an independent provider of financial solutions, providing superior expertise in specific markets. Beginning with the acquisition of Interior Trust, the MCAP story has been evolving over the last 35 years.
MONTH
1985
Mutual Life acquires 75% stake in Interior Trust, renamed Mutual Trust Company (MTC)
MONTH
1991
MTC Mortgage Investment Corporation (MIC) is established and listed on the TSX
MONTH
1992
MTC acquires Focus National Mortgage Corp. which provides a major base of operations in BC
MONTH
1997
MFC is formed to manage the Residential Mortgage Division of The Mutual Group
MONTH
1998
MFC re-positions the residential mortgage operation: MCAP Mortgage Corporation & MCAP Service Corporation
MONTH
2000
MTC MIC merges with MFC, is re-named to MCAP Inc
MONTH
2002
The Caisse de dépôt et placement du Québec (CDP) acquires a 50% equity stake in MCAP’s commercial and construction business via MCLP
MONTH
2004
CDP increases equity stake to 75%
MONTH
2012
MCAP acquires ResMor Trust Company’s mortgage operation
MONTH
2012
MCAP purchases remaining interest in MSC owning 100%
MONTH
2014
MCAP achieves investment grade rating from DBRS
MONTH
2018
MCAP signs long-term servicer contract with RFA Mortgage Corp
MONTH
2019
MCAP enters into long-term management agreement on $26 billion portfolio with RFA after they acquire Street Capital
MONTH
2021
MCAP acquires the shares of Ashley Park Financial Services Corp. and all of its subsidiaries including Paradigm Quest
MCAP has a long history of corporate philanthropy and giving back to the communities in which we work. Learn more about our community involvement and the impact we are so proud to be making.
