Leadership Team

Our goal is to ensure that the financing we provide our customers fits within their long term financial goals.

Matthew Bowker // Founder

Matthew Bowker is a founding Partner of Lodge Financial and principal of the firm. For the past twenty years he has originated thousands of commercial loans throughout the United States. He is responsible for the creation and development of the firm’s long term financial relationships and has helped develop and expand products to fit the market he knows so well. The depth of his experience in this field allows Matthew to offer custom commercial financing that utilizes this experience and allows Lodge Financial to make a well informed and accurate loan for its clients. Matthew is committed to keeping the big picture of the customer’s financial needs in mind while he gets the job done.

Prior to Lodge Financial he was owner and VP of Wellington Mortgage Corporation and Wellington Realty Group in Chicago handling both commercial and residential mortgages and oversaw the property management of over 900 apartment units in and around Chicago.

Email Matthew Bowker
312 985 9393 x102

Matthew Lebenson // Partner

Matthew Lebenson has 18 years of experience in the arrangement & placement of commercial real estate credit facilities. He started his mortgage career in Los Angeles with Netherlands based ING then later moved back to the Midwest where he spent the next 15 years originating over $150M in construction loans, bridge, mezz and preferred equity investments across all property types nationwide. Matthew focuses on loan requests in the $2M-25M range with an emphasis on long term, fixed rate, non-recourse structures.

Mr. Lebenson’s success in the Commercial Mortgage Arena is attributed to his ability to communicate and articulate efficiently the needs and desires from both Lender and Borrower resulting in seamless, organized transactions.

Mr. Lebenson resides in Northbrook, IL with his wife, Carly and two Daughters.

Email Matthew Lebenson
312 985 9393 x 110
224 935 4427 (direct)

Tom Bretz // CEO, Century 21 Affiliated

Tom Bretz has been a real estate professional since 1999. In 2010, he co-founded Elmdale Partners, an investment company focused on value-add real estate assets and opportunistic real estate service company platforms. Elmdale currently purchases, develops and oversees both commercial and residential assets in the Chicagoland area through one of the 4 funds it manages.

As CEO of Elmdale, Tom led a roll up strategy of residential brokerage firms centered around the Century 21 brand and acquired over 70 different offices and companies to create the largest Century 21 franchise in the world with over 2,700 sales associates in 5 states.

Elmdale’s holdings also include one of the largest title insurance companies in the Midwest, a residential mortgage company and Elmdale started the first real estate based technology accelerator in the country – Elmspring- which invests in start-up technology companies specializing in real estate disruption. Elmdale has garnered several prestigious awards over its six-year history: Top 30 Residential Real Estate Firms in the US, Chicago Real Estate Housing Innovation Award and Chicago’s Best and Brightest Companies to Work For Award.

Tom received a JD and an MS in Real Estate from the University of Wisconsin in 2003 and 2004 respectively and lives and works in the Chicagoland area with his wife Jennifer and their two children.

Adam Freeman // CFO, Century 21 Affiliated

Adam Freeman is a founding Principal of Elmdale Partners and Century 21 Affiliated. Since its inception in 2010, Elmdale has built a multi-discipline full service real estate services and investment company, consisting of a national real estate brokerage company with over 2,000 realtors, title insurance, property insurance, the elmspring accelerator, and a robust property acquisition platform. Prior to forming Elmdale, Adam was a private equity and investment professional with over 19 years of experience in investment banking, private equity, real estate investment, and building businesses. Mr. Freeman has completed in excess of $1 billion of total transactions, including over $150 million of real estate acquisitions and investments.