Built on Institutional and Alternative Credit
25+ years of institutional and alternative lending expertise, backed by Canada’s largest mortgage brokerage network. Commercial mortgages, equipment financing, and residential mortgages for Ontario businesses and owner-operators, with a specialty in files that need structured underwriting and alternative or private capital.
Matthew Dobson
Mortgage Architects
Matthew Dobson is a FSRA-licensed Mortgage Agent Level 2 with Mortgage Architects, specializing in commercial mortgages, equipment financing, and alternative and private lending for Greater Toronto Area borrowers. He brings 25+ years in institutional and alternative credit. He held senior sales and credit leadership roles at GE Capital, once one of the largest non-bank lenders in the world, and TD Bank, and served as Chief Credit Officer of a bank-backed alternative credit fund in Los Angeles, running its credit function from Toronto. Collateral and structured underwriting drove every decision.
Over his career, he has originated and underwritten billions of dollars in commercial mortgages and equipment loans across Canada and the United States.
That experience includes non-performing loans. Through the 2008 credit crisis he worked the distressed side in Los Angeles, acquiring non-performing residential and commercial mortgage pools from banks, servicers, Fannie Mae, and Freddie Mac, then rebuilding them one at a time. More than 1,500 loans were restructured and returned to performing status. A maturity with no offer, a lender that has moved on, a file that no longer fits the box: these are situations with solutions, and knowing which one applies comes from having worked a cycle where nothing was easy.
Matthew is also the founder of AVA Credit Inc., the company building Ava, an Accelerated Virtual Analyst for credit work. He is committed to bringing bank-grade governed AI tools into his lending practice, to deliver faster structuring, sharper lender matching, and better outcomes for borrowers. He holds the AI Credit® registered trademark.
Based at 150 King Street West in Toronto’s financial district. Born and raised in Toronto, he is a graduate of Western University.
Where we sit in the network
Backed by Canada’s largest mortgage brokerage network
Mortgage Architects is the premium brand within Dominion Lending Centres Group, Canada’s largest mortgage brokerage network. Founded in the early days of the Canadian mortgage brokerage movement, Mortgage Architects has built a reputation for professional standards, deep lender relationships, and a commitment to putting clients first. The brokerage provides its agents with access to over 800 lending partners, including major banks, credit unions, alternative lenders, and private capital, ensuring that every client receives a financing solution structured for their specific situation.
Dominion Lending Centres Group funds more mortgages than any bank, credit union, or financial institution in Canada. It is a juggernaut in Canadian finance. The publicly traded network (TSX: DLCG) operates over 500 franchises across approximately 1,000 locations in all ten provinces, with more than 9,000 licensed mortgage brokers and over 800 lending partners. In 2025, the network funded $84.5 billion in mortgages, representing over 10% of all Canadian mortgage originations. DLCG’s three brands (Dominion Lending Centres, Mortgage Architects, and The Mortgage Centre) are powered by Newton Connectivity Systems and its Velocity platform, a proprietary fintech operating system that automates the mortgage submission and approval process for brokers, lenders, and consumers.