Mortgage Brokers in New York

Working with a mortgage broker in New York gives you a single point of contact who can shop your loan to multiple wholesale lenders. Brokers are state-licensed, carry NMLS IDs and must disclose how they are paid. They can be especially helpful for self-employed buyers, investors and anyone who has hit a wall with a single lender. Ask any broker how many lenders it works with and how it is paid. Pick your city below for more details.

Questions about mortgage brokers in New York?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Mortgage lenders, brokers and loan originators serving New York are licensed by the New York State Department of Financial Services. You can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.

Where mortgage brokers activity is highest in New York

County	loans originated (2024 HMDA)
Suffolk County	22,149
Nassau County	15,892
Erie County	13,846
Monroe County	13,713
Queens County	10,846
Westchester County	9,740
Kings County	8,902
Onondaga County	7,491
Orange County	5,855
New York County	5,685

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Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.

Takes a few minutes
Reviewed by a licensed loan officer
No obligation to proceed

Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Mortgage Brokers by city in New York

Common questions

Does using a broker cost more than going to a lender directly?

Not necessarily. Wholesale pricing can be competitive with retail pricing, and a broker may find a program you would not have found on your own. Costs vary by loan, so the fair test is to compare Loan Estimates from a broker and a direct lender on the same day for the same loan type. The form shows every charge in the same place.

Can a broker help if I was turned down by a bank?

Possibly. Banks often follow their own internal guidelines in addition to investor rules, so a denial from one bank does not mean every lender will say no. A broker can review why the application was declined and look for a wholesale lender with different requirements. Approval is never assured, and every loan is subject to credit approval.

What is the difference between a mortgage broker and a mortgage lender?

A lender underwrites and funds your loan with its own money or credit lines. A broker does not fund loans. Instead, it takes your application and places it with a wholesale lender that does. The broker acts as your point of contact and shops programs across multiple lenders, while the lender makes the credit decision and provides the funds.

2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025