CMA Referrals

Works like Uber but for Mortgages

Canadian Mortgage App (CMA) is one of Canada’s most popular mortgage apps. It offers innovative tools, calculators and up-to-date information to help people make smarter financial decisions. 

CMA has earned over 15,000 positive ratings and is featured by Apple in “Apps We Love” and considered by Google as one of the essential 5 apps for homebuyers. See here.

Having both home buyers and professionals on the same platform has allowed CMA to grow into an exciting and vibrant digital ecosystem for hundreds of thousands of Canadians.

Did you know, CMA is currently white-labelled for over 6,000 mortgage brokers in Canada, including top agents from Dominion Lending Centres, Mortgage Architects, Mortgage Centre, Verico, Centum, TMG, Mortgage Alliance, Mortgage Intelligence and some of the largest independent brokerages in Canada.

What is the CMA Referral Program?

It’s simple. 

We know that Mortgages are more than numbers, they are complex transactions, and we know that our users require professional guidance and creative solutions beyond our app.

Thus, we are inviting tech-enabled mortgage professionals with an opportunity to participate in an ever-evolving digital ecosystem. 

Our app will connect you to next-generation consumers who need professional advice, comparative lender search and most importantly, the human touch.

How it works

Consumer Side

  1. Consumers download our app and create their account.
  2. They can use all the tools, including a comprehensive Pre-Qualification process that includes 13 questions.
  3. After that, they can decide to connect with a mortgage professional for approval.
  4. We ask them another 10 questions to confirm their intentions, as well as verify their contact number.
  5. They expressively consent to be contacted and Submit.

Broker Side

  1. BOOM. Instantly, you’ll receive a push message…but wait, the lead is NOT yours (yet)
  2. You will be able to preview all the lead’s info (except for the contact info and name) before “accepting” it
  3. If you like what you see and you have time to contact the user. Tap on Accept, and the lead is yours and ONLY yours.

    Since the lead is exclusively assigned to you, we mandate it that you contact them within seconds

What's Next

  1. Call or text your future client. Have an initial conversation and work out the next steps.
  2. Upon initial contact, mark the deal in your app as “contacted,” so we know things went well.
  3. Payment happens via your credit card every week. 

Preview first then "Accept"

Why pay before seeing the goods?

Our 23 step process will offer you this info

  • Name and confirmed contact info
  • Preferred contact method and language
  • Location (city/province)
  • User Notes & Comment (if supplied)
  • Purchase / Refinance / Renewal / Switch
  • Mortgage Amount
  • Down payment Amount
  • Maturity date (if applicable)
  • Existing rate offering (if applicable)
  • Gross annual income
  • Existing debt payments or loan balances
  • Employment type
  • Self-reported credit score or range
  • Rental plans and anticipated rental income
  • Pre-qualified purchase price
  • Pre-qualified loan amount and insurability
  • Preferred rate, rate type and term

How we distribute leads

By design, the Canadian mortgage app is a neutral entity, a brand-agnostic mobile app, that does not promote, recommend or endorse any financial institution or professionals. 

However, when it comes to connecting our users, we are pretty picky. We only want the best for our users and, of course, the most optimal conversion for you.

We know that conversion is greatly improved when consumers and their mortgage broker naturally develop mutual trust within the first few seconds of contact. 

One of the key elements that allow us to build trust is having commonalities with our fellow humans. 

Thus, we have been developing an intelligent request notification and distribution platform that uses AI to match the user with the right agent at the right time. Our machine learning algorithm continuously analyzes historical data to optimize the overall platform to improve the system over time.

Response in Seconds (not minutes)

Forget about scheduling a meeting for the next day, our users want NOW, and they are willing to download an app, answer 23 questions, confirm their email and phone number to make it happen. 

This is why we ensure requests to be sent to you in REAL-TIME

Like literally, the moment you get a push notification is the exact moment that the person lifted their finger from the submit button. Thus it is important, in fact, mandated that you contact the user as soon as you accept the lead. It’s straightforward. If you can’t contact the user in seconds, you shouldn’t be accepting the request. 

Another benefit of speed is response conversion. Harvard did a study and analyzed 15,000 leads and 3 years of phone call data, and they found out that after 5 minutes, your response conversion decreases by 10x.

Cost to join

There are two parts to the program. 

First, you need an active CMA PRO account as a pre-requisite. You can obtain that from the app store/google play or by contacting our support team. 

Second, each request that you choose to accept comes at a cost. The actual cost depends on your region, volume commitment and conversion ratio. However, it starts at $75/lead.

How to join​

Please reach out to or book a zoom call here


Yes and No. 

The initial notification is submitted to multiple agents, but it does not reveal the user’s contact info.

Once you accept the lead and reveal the contact info, no other broker has access.


You can stop accepting leads and let us know to remove you. You will only be billed for the leads you accepted.

You can’t.

The system will automatically select you based on data we obtain from the user and your previous engagements/success.

We process billing on a weekly / bi-weekly basis. You will need to provide us with a credit card to process the billing.

There is no minimum.

You can accept as little or as many leads as you can handle.


We work with many companies and many brands. However, CMA PRO is its own stand-alone product, which comes with its own costs and expenses.


We do have partners like that on this program BUT

Our responsibility is to ensure that leads are verified people and you do not receive spam. Not to mention developing, operating, maintaining and marketing the tech that enables it all.

We do not intend to also manage your business, track your work, train you on top of it to improve your sales (wo)man-ship. 

Your responsibility is the mortgage transaction, the nurturing and closing of the deals. 

Having said that, if you can demonstrate a consistently exceptional closing ratio, then we may consider it.

Initially, you will be required to pay per lead until you can prove your skills and we’d be happy to discuss this option.