Top Picks · New York
Best Mortgage Brokers in New York, NY
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in New York, NY by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is United Faith Mortgage with a 4.9-star rating from 1,058 Google reviews and an RNM Score of 87/100. Also in the top tier: Better and MortgageDepot. The average rating across all listed mortgage brokers in New York is 4.8 stars from 388 reviews per business on average.
Mortgage brokers in New York: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
R&J Capital Mortgage & Loan Brokers of NY
It is consistently ranked as the top mortgage broker in New York, offering deep local market expertise and a wide range of loan options.
Most Reviewed
Better
High review counts indicate a large base of past clients, which can signal trustworthiness and a streamlined digital experience favored by many borrowers.
Compare offers from at least two brokers to ensure competitive rates and fees, and consider whether you prefer a local expert like R&J Capital or a fully digital service like Better for a faster process.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
388
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated New York mortgage broker with a 4.9-star average from over 1,000 reviews.
399 Conklin St Suite 206, Farmingdale, NY 11735, USATrusted by thousands, this New York mortgage broker holds a strong 4.6-star rating.
1 World Trade Center 80th Floor, New York, NY 10007, USATrusted by hundreds of clients, this New York mortgage broker holds a flawless 4.9-star rating.
125-10 Queens Blvd STE 316, Kew Gardens, NY 11415, USAMortgage Brokers Rankings in New York, NY
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | United Faith Mortgage399 Conklin St Suite 206, Farmingdale, NY 11735, USA | 4.9★ | 1,058 |
| #2 | Better1 World Trade Center 80th Floor, New York, NY 10007, USA | 4.6★ | 3,145 |
| #3 | MortgageDepot125-10 Queens Blvd STE 316, Kew Gardens, NY 11415, USA | 4.9★ | 577 |
| #4 | Lee's Brokerage Co191 Canal St # 402, New York, NY 10013, USA | 5.0★ | 1 |
| #5 | United Mortgage Corp.401 Broadhollow Rd Suite 150, Melville, NY 11747, USA | 4.2★ | 139 |
| #6 | Cliffco Mortgage Bankers70 Charles Lindbergh Blvd Suite 200, Uniondale, NY 11553, USA | 4.9★ | 524 |
| #7 | The Fisher Mortgage Group @ UNMB Home Loans Inc2105 Williamsbridge Rd 2nd Floor, Bronx, NY 10461, USA | 5.0★ | 211 |
| #8 | New York Mortgage Exchange369 Avenue X, Brooklyn, NY 11223, USA | 5.0★ | 35 |
| #9 | Pan Am Mortgage116 E 30th St, New York, NY 10016, USA | 5.0★ | 43 |
| #10 | Morty180 Varick St #816, New York, NY 10014, USA | 4.7★ | 39 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in New York
A perfect 5.0-star rating from one Google review highlights exceptional client service.
191 Canal St # 402, New York, NY 10013, USA
Trusted by hundreds of New York clients, this broker holds a solid 4.2-star rating.
401 Broadhollow Rd Suite 150, Melville, NY 11747, USA
Proudly rated 4.9 stars from over 500 Google reviews in New York.
70 Charles Lindbergh Blvd Suite 200, Uniondale, NY 11553, USA
Top-rated New York mortgage broker with 5.0 stars from over 200 reviews.
2105 Williamsbridge Rd 2nd Floor, Bronx, NY 10461, USA
Rated 5.0 stars from dozens of Google reviews in New York, NY.
369 Avenue X, Brooklyn, NY 11223, USA
Top-rated New York mortgage broker with a perfect 5.0-star rating from 43 reviews.
116 E 30th St, New York, NY 10016, USA
Trusted by clients with a strong 4.7-star rating from 39 reviews.
180 Varick St #816, New York, NY 10014, USA
Highly rated mortgage broker with 4.4 stars from over 500 reviews in New York.
990 Stewart Ave # 660, Garden City, NY 11530, USA
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
185 Wythe Ave Suite A2, Brooklyn, NY 11249, USA
Trusted by hundreds of clients with a perfect 5.0-star rating in New York.
80-02 Kew Gardens Rd Suite 1040, Forest Hills, NY 11375, USA
Top-rated mortgage broker in New York with 4.8 stars from over 250 reviews.
140 E 45th St 31st fl, New York, NY 10017, USA
Trusted by nearly 100 clients, with an exceptional 4.8-star average rating.
1123 Broadway #921, New York, NY 10010, USA
Trusted by 75 clients with a perfect 5.0-star rating on Google.
348 W 14th St Second Floor, New York, NY 10014, USA
Rated 5.0 stars from 26 Google reviews, this New York mortgage broker is highly trusted.
2 Wall St, New York, NY 10005, USA
Trusted New York mortgage broker with a 4.8★ rating from 20 reviews.
31 W 34th St. #7162, New York, NY 10001, USA
Rated 4.1 stars from 14 Google reviews, this New York mortgage broker has solid local feedback.
1177 6th Ave 5th floor, New York, NY 10036, USA
Top-rated New York mortgage broker with a perfect 5.0-star rating from 48 reviews.
One World Trade Center, 285 Fulton St, New York, NY 10007, USA
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Mortgage Brokers in New York, NY — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | United Faith Mortgage | 87/100 | 4.9 ★ | 1,058 |
| 2 | Better | 82/100 | 4.6 ★ | 3,145 |
| 3 | MortgageDepot | 87/100 | 4.9 ★ | 577 |
| 4 | Lee's Brokerage Co | 62/100 | 5.0 ★ | 1 |
| 5 | United Mortgage Corp. | 72/100 | 4.2 ★ | 139 |
| 6 | Cliffco Mortgage Bankers | 87/100 | 4.9 ★ | 524 |
| 7 | The Fisher Mortgage Group @ UNMB Home Loans Inc | 87/100 | 5.0 ★ | 211 |
| 8 | New York Mortgage Exchange | 78/100 | 5.0 ★ | 35 |
| 9 | Pan Am Mortgage | 79/100 | 5.0 ★ | 43 |
| 10 | Morty | 73/100 | 4.7 ★ | 39 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in New York
What does a mortgage broker do differently than going directly to a bank in New York?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in New York?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in NY?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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