CMLS Financial, founded in 1974, is one of Canada's largest independently owned mortgage services companies, based in Toronto with offices across the country, including Vancouver, Calgary, Montreal, and Halifax. As a nonbank lender and servicer, CMLS manages a portfolio exceeding $45 billion. The company serves a diverse clientele, including homeowners, commercial borrowers, and institutional investors such as banks and pension funds. CMLS offers a variety of services, including residential mortgages, commercial lending, and institutional services. Its Residential Mortgage Division provides a wide range of mortgage solutions, while the commercial lending segment focuses on origination, underwriting, and portfolio management. Additionally, CMLS acts as a mortgage broker and servicer for institutional clients, managing compliance and loan administration for both commercial and residential portfolios. The company has experienced significant growth, expanding its assets under administration from $3.2 billion in 2009 to over $45 billion in 2023, driven by investments in technology and client-focused service.