Headquarters:
Kelowna, BC
Year founded:
1994
Number of employees:
17
Phone:
250 979 2911
Email:
underwriting@threepointcapital.ca
Website:
threepointcapital.ca
LinkedIn:
linkedin.com/company/threepointcapital
“Life consists of both good times and bad, and through our approach, we aim to put ourselves in the shoes of our clients seeking a solution”
Fern Glowinsky,
Haventree Bank
Brad Graham
Chief Credit Officer, Principal Broker
Tanya Rousseau
Senior Mortgage Underwriter
Loren Hawkins
Director, Broker Relations – Western Canada
Leadership
As chief credit officer at Three Point Capital, Brad Graham brings over 35 years of expertise in real estate, mortgage, and commercial lending. Since transitioning to private lending in 2009 after a distinguished 19-year tenure with TD Bank Commercial Banking, he has played a key role in shaping Three Point Capital’s credit strategy. Licensed in British Columbia, Alberta, and Ontario (M18002039), he provides oversight and direction that helps ensure mortgage solutions are both competitive and responsive to the needs of broker partners and their clients.
Chief Credit Officer, Principal Broker
Brad Graham
Tanya Rousseau joined Three Point Capital in 2013, following a successful early career as a conveyancer specializing in real estate transactions. She initially served as the company’s internal legal assistant before advancing into her current role as senior mortgage underwriter. Licensed in British Columbia, Alberta, and Ontario (Agent L2 M25000873), she works closely with mortgage brokers to assess lending opportunities and provide efficient, well-structured mortgage solutions. Rousseau’s attention to detail and commitment to service help broker partners navigate the alternative lending space with confidence.
Senior Mortgage Underwriter
Tanya Rousseau
Loren Hawkins brings over two decades of experience in the credit union and mortgage lending sectors, including launching and managing broker channels across multiple brands. Since joining Three Point Capital, he has continued to focus on strengthening broker relationships and helping partners understand how Three Point’s lending programs can support their alternative lending needs. Hawkins is a licensed mortgage broker in BC & Ontario (Agent L2 M15002575), a past executive director of the Canadian Mortgage Brokers Association – BC, and past president of the Mortgage Brokers Institute of BC.
Director, Broker Relations – Western Canada
Loren Hawkins
Leadership
Leadership
Justin Thierault
Director, Broker Relations – Eastern Canada
Justin Thierault brings a diverse range of mortgage industry experience to his role at Three Point Capital, having worked with Schedule I banks, monoline lenders, alternative lenders, and, most recently, in the private lending space. Licensed as a Level 2 mortgage agent in Ontario (M21003909), he supports broker partners across Eastern Canada by providing responsive service, in-depth product knowledge, and tailored deal support. Thierault is committed to helping brokers navigate the alternative lending landscape with confidence and ensuring their clients receive competitive, flexible mortgage solutions.
Director, Broker Relations – Eastern Canada
Justin Thierault
Dalena Truong
Business Development Manager
Dalena Truong brings a solid foundation in underwriting and credit to the alternative lending space, making her a trusted advisor. As a business development associate, she leverages strong analytical skills and a deep understanding of the mortgage landscape to identify growth opportunities. Her background in hospitality has equipped her with exceptional interpersonal skills, enabling her to build and maintain strong relationships with mortgage agent partners. Truong’s passion for creating meaningful connections and her dedication to excellence make her an invaluable asset in any business endeavour she undertakes.
Business Development Manager
Dalena Truong
Three Point Capital serves as the manager of Three Point Capital Corp., a Canadian mortgage investment corporation. With over 30 years of experience in the industry, the company is uniquely positioned to unite the three core groups that drive its business: borrowers, mortgage brokers, and investors.
The process begins with the borrower, with Three Point Capital committed to offering strong and fair mortgage solutions tailored to today’s market. These options are delivered through a professional network of mortgage brokers across British Columbia, Alberta, and Ontario, ensuring local support for clients in these provinces. For investors, Three Point Capital focuses on building a well-managed investment strategy aimed at delivering consistent results.
At the core of the company’s approach is a dedication to being a reliable and supportive partner to its broker network. Three Point Capital believes that broker success is integral to its own and therefore prioritizes responsive service, flexible solutions, and the tools brokers need to grow their businesses. More than just a lender, the company strives to champion its broker partners and the valuable work they do.
Mitch Grant
Director, Operational Excellence
Perry Thomas
Non-Executive Director and Chair of Risk and Capital Committee
Shirel Stedman
Non-Executive Director
Simon Williams
Chief Strategy & Distribution Officer, Arch Insurance International
and Active Underwriter, Syndicate 1955
Mitch leads the Operational Excellence function that brings together the firm’s experts in knowledge, legal operations and research services. This team is responsible for shaping the way Maddocks lawyers work, ensuring the delivery of exceptional client experiences.
Director, Operational Excellence
Mitch Grant
Perry Thomas is a non-executive director and chair of Risk and Capital Committee. He’s an actuary with over 30 years of experience in financial services in roles including CEO, CRO and group chief actuary. He’s held directorships in the UK, Bermuda, Ireland, India, South Africa, Malta and Luxembourg, and has been on the Council of the Institute and Faculty of Actuaries. Thomas is dyslexic, which he believes can bring a different perspective.
Non-Executive Director and Chair of Risk and Capital Committee
Perry Thomas
Shirel Stedman is a non-executive director. She is also a fellow chartered member of the Institution of Civil Engineers (FICE) and the Chartered Institute of Water and Environmental Management (CIWEM). Stedman brings over 30 years of experience as a civil engineer who has spent most of her career working on flood resilience, climate change and water issues across the public and private sectors.
Non-Executive Director
Shirel Stedman
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Read on
IB Top Brokerages
Award Winner
Award Winner
THREE POINT CAPITAL
SPECIAL REPORT
Home
Bio
Read on
Award Winner
SPECIAL REPORT
Home
Bio
Read on
Award Winner
SPECIAL REPORT
Home
Bio
Medals
Overall
BDM support
Broker support
Interest rates
IT/technology
Overall service levels
Product range
Satisfaction with credit policy
Transparency of commision structure
Medal
Overall service level
Broker communication, training and development
BDM support
Turnaround time – claims
Broker's Pick – Personal Accident and Illness Insurance
Brokers’ Pick – Professional liability
Small business
“Our ambition is to continue to shorten the loan journey and help lower anxiety from such an important transaction for Canadian homeowners”
Fern Glowinsky,
Haventree Bank
Brokers also benefit from competitive compensation. Haventree Bank’s model includes finders’ fees, loyalty programs, and promotional bonuses that reward performance and encourage long-term partnerships.
The award-winning lender is currently investing in and transforming its technology stack to enable more products and clear common snags from the lending process. These changes include platform updates, streamlined flows, AI-supported adjudication, and expanded training for frontline teams. The people-first philosophy also applies internally.
“We are a purpose-driven organization, committed to fostering a workplace where you can come to work each day as your authentic self and know that you are helping other hardworking Canadians and making a difference through the work you do,” Glowinsky adds.
Haventree Bank has built its reputation by staying consistent. It puts empathy into action and follows through at every stage of the lending process.
Haventree Bank’s leadership team pushes decisions forward by empowering employees to lead from within. It enables all team members to engage as leaders themselves, especially in initiatives related to improving its clients’ experiences. Employees come from lending, banking, fintech, and other service industries, which allows the bank to apply broad insights to mortgage strategy.
Six core values guide internal culture:
empathy
innovation
accountability
recognition
unity
agility
These values shape client interactions and internal collaboration.
The team focuses on turnaround time as a way to reduce borrower stress. “We are very proud of our success in responding as quickly as we do today,” she notes. “But we won’t stop there. Our ambition is to continue to shorten the loan journey and help lower anxiety from such an important transaction for Canadian homeowners.”
The bank also invests heavily in broker communications. Business development managers make direct calls. Real-time chat and SMS updates streamline the process. Every channel is chosen based on broker feedback and regularly refined to improve usability.
Brokers also benefit from competitive compensation. Haventree Bank’s model includes finders’ fees, loyalty programs, and promotional bonuses that reward performance and encourage long-term partnerships.
more than $1 million in funds
over $2.3 million in combined monetary and in-kind donations through an annual World Food Derby initiative
2,320 volunteer hours to numerous deserving organizations, making a significant community impact
Turnaround time
Underwriter support
Overall
Brokers also benefit from competitive compensation. Haventree Bank’s model includes finders’ fees, loyalty programs, and promotional bonuses that reward performance and encourage long-term partnerships.
The award-winning lender is currently investing in and transforming its technology stack to enable more products and clear common snags from the lending process. These changes include platform updates, streamlined flows, AI-supported adjudication, and expanded training for frontline teams. The people-first philosophy also applies internally.
“We are a purpose-driven organization, committed to fostering a workplace where you can come to work each day as your authentic self and know that you are helping other hardworking Canadians and making a difference through the work you do,” Glowinsky adds.
Haventree Bank has built its reputation by staying consistent. It puts empathy into action and follows through at every stage of the lending process.