5 Best Mortgage Brokers in New York (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 8 min read

Rates matter, but the person walking you through underwriting is what actually decides whether your closing date holds. The mortgage brokers in New York below have logged over 4,100 Google reviews combined, and the review counts swing enormously, from 105 up to 3,176, so scale and personal attention pull in genuinely different directions here.

Short answer: Better, headquartered at 1 World Trade Center, is by far the most-reviewed option with 3,176 Google reviews at 4.6 stars, built around a fully online process. For a smaller, broker-led experience, GoRascal (4.9, 431 reviews) and GuardHill Financial (4.8, 254 reviews, in business over 30 years) both stand out. Rates change constantly, so always get a same-day quote before comparing.

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1. Better
2. GoRascal
3. GuardHill Financial LL…
4. Network Capital
5. Brian Scott Cohen at G…
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New York's Mortgage Brokers, Compared

#	Business	Rating	Reviews	Best for
1	Better	4.6 ★	3,176	Fully online, high-volume lender	View ›
2	GoRascal	4.9 ★	431	Personal, broker-led service	View ›
3	GuardHill Financial LLC	4.8 ★	254	Complex or high-net-worth cases	View ›
4	Network Capital	4.7 ★	158	Fast closings on tricky deals	View ›
5	Brian Scott Cohen at Guaranteed Rate Affinity (NMLS #410025)	5.0 ★	105	Individual broker, tough financing cases	View ›

5 Best Mortgage Brokers in New York (2026)

Our top picks, reviewed

#1 Overall🕑 Open 5 days/wk↩ Responds to reviews

Better

4.63,176 Google reviews

Better is a direct online mortgage lender headquartered at 1 World Trade Center, offering purchase, refinance and home equity loans, including HELOCs, through a fully digital application process. It positions itself around speed and transparency, with an AI-assisted document review system and a large loan-officer bench handling thousands of New York borrowers.

What people praise

Fast digital application with document upload and real-time status tracking
Named loan consultants praised for clear, responsive communication
Competitive rates that several reviewers credited with meaningful monthly savings
Large scale means broad experience across purchase, refinance and HELOC products

Worth knowing

Several reviewers described a drop-off in direct contact once a file moves from consultant to coordinator
As a large, largely digital operation, complex or non-standard cases may need more follow-up from the borrower

Reputation scorecardrank in New York

Rating4.6 / 5

Review volume3,176 · 97th

Confidencevery high

Recency7 weeks ago

Info completenesssite · phone · hours

Rating breakdown83% 5-star

✓ VerifiedSource: Google

Our take: The most-reviewed name on this list by a wide margin, and a reasonable default for a straightforward purchase or refinance. For anything unusual, stay on top of the file yourself.

Website +1415-523-8837 Directions

1 World Trade Center 80th Floor, New York, NY 10007

#2🕑 Open 5 days/wk↩ Responds to reviews

GoRascal

4.9431 Google reviews

GoRascal is a Brooklyn-based mortgage brokerage offering fixed-rate, FHA, VA, jumbo, adjustable-rate and reverse mortgages, alongside first-time buyer programs. It runs on a team of named loan officers who work directly with clients through pre-qualification, application and closing, with reviewers frequently naming their specific broker by name.

What people praise

Individual loan officers get named and praised repeatedly across reviews
Strong track record with VA loans and veteran borrowers specifically
Responsive communication that reviewers say kept deals moving through delays
Long hours, open 8am to 8pm most weekdays

Worth knowing

Smaller team than the largest national lenders, so availability may vary by loan officer

Reputation scorecardrank in New York

Rating4.9 / 5

Review volume431 · 91th

Confidencehigh

Recency3 weeks ago

Info completenesssite · phone · hours

Rating breakdown97% 5-star

✓ VerifiedSource: Google

Our take: A strong pick for anyone who wants a named broker they can call directly rather than a general support queue, especially for VA loans.

Website +1646-993-4258 Directions

185 Wythe Ave Ste A2, Brooklyn, NY 11249

#3🕑 Open 5 days/wk

GuardHill Financial LLC

4.8254 Google reviews

GuardHill Financial, headquartered in Midtown Manhattan, is a residential mortgage broker that has served New York homebuyers for more than 30 years, working with first-time buyers, self-employed borrowers and high-net-worth clients. It positions itself as a boutique alternative to bank underwriting, offering 24-hour approvals and 30-day closings on qualifying loans.

What people praise

Decades of experience with complex, non-standard borrower situations
Individual loan officers named repeatedly for proactive, detailed communication
Reviewers report smooth closings even amid rate volatility
Boutique feel with the resources of a larger mortgage bank

Worth knowing

Positioned toward more complex financing, so a simple straightforward loan may not need this level of service

Reputation scorecardrank in New York

Rating4.8 / 5

Review volume254 · 84th

Confidencehigh

Recency3 months ago

Info completenesssite · phone · hours

Rating breakdown93% 5-star

✓ VerifiedSource: Google

Our take: The strongest choice here for self-employed borrowers or anyone with a financial situation that doesn't fit a standard bank checklist.

Website +1212-688-9500 Directions

140 E 45th St 31st fl, New York, NY 10017

#4🕑 Open 6 days/wk

Network Capital

4.7158 Google reviews

Network Capital is a mortgage lender operating out of 1 World Trade Center, offering purchase and refinance loans with a stated focus on low or no lender fees and fast closings, in as little as 15 business days on some programs. Reviewers describe named loan officers coordinating closely with underwriters to keep files moving quickly.

What people praise

Reviewers report closings completed in about a week when promised timelines held
$0 lender fee programs on select products
Named loan officers praised for patience explaining the process to first-time refinancers
Recognized as a fast-growing company in industry rankings

Worth knowing

Most reviews on file are several years old, so confirm current staff and service levels directly

Reputation scorecardrank in New York

Rating4.7 / 5

Review volume158 · 78th

Confidencemoderate

Recency5 years ago

Info completenesssite · phone · hours

Rating breakdown91% 5-star

✓ VerifiedSource: Google

Our take: Worth a call if speed and low fees matter most, though check in directly on current wait times given how dated the review history here is.

Website +1888-563-8227 Directions

1 World Trade Center 57th Floor, New York, NY 10006

#5🕑 Open 5 days/wk↩ Responds to reviews

Brian Scott Cohen at Guaranteed Rate Affinity (NMLS #410025)

5.0105 Google reviews

Brian Scott Cohen is an individual mortgage broker operating under Guaranteed Rate Affinity from a Manhattan office, handling purchase and refinance loans including co-op and condo financing, a notoriously tricky niche in New York. Reviewers describe him personally staying involved through delays caused by building approvals, seller logistics or prior loan denials.

What people praise

Perfect 5.0 rating with reviewers repeatedly returning across multiple transactions
Specific experience with co-op and condo building financing in Manhattan
Stepped in successfully after at least one reviewer was denied elsewhere
Available on weekends according to multiple reviewers

Worth knowing

As an individual broker rather than a large team, availability may be tighter during peak periods
Smallest review base on this list, though every review is strongly positive

Reputation scorecardrank in New York

Rating5 / 5

Review volume105 · 72th

Confidencemoderate

Recency2 weeks ago

Info completenesssite · phone · hours

Rating breakdown98% 5-star

✓ VerifiedSource: Google

Our take: The pick if your deal involves a co-op board, a tricky building, or a prior denial elsewhere. The rating is flawless and the case-specific experience shows in the reviews.

Website +1646-584-8009 Directions

348 W 14th St 2nd Floor, New York, NY 10014

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Watch: 5 Best Mortgage Brokers in New York (2026)

How we score

Every number on this page is computed from public Google data on the date shown, not from opinion or payment. Rating is the business’s live Google star average. Review volume is how many customers have rated them, ranked against other New York mortgage brokers. Confidence weighs the rating by that volume, so a 4.6 from over 3,000 reviews carries more weight than a 5.0 from 105. Recency reflects how recently customers are still leaving reviews. No business can pay to change these numbers.

What do mortgage brokers charge in New York? (2026)

None of the brokers here publish a fixed fee schedule, and rates and lender fees change daily based on the market, your credit profile and the loan program. Better and Network Capital both advertise select $0 lender fee programs, but always request a current, written rate quote before comparing any two brokers directly.

Serving all of New York

These mortgage brokers operate from Downtown Manhattan, Midtown and Brooklyn, and most work with borrowers across the wider New York metro area regardless of office location. Searching for a mortgage broker near me? Every listing below shows a live phone number so you can call directly and ask which of them are licensed to work in your specific borough or county.

What to ask before you choose a mortgage broker

Will I work with one dedicated loan officer throughout, or will my file get handed off?
What’s your typical closing timeline for a purchase like mine?
Are there lender fees, and can you break down all the closing costs in writing?
Do you have direct experience with co-op or condo board approvals if that applies to me?
What happens if my rate lock expires before closing?

Frequently asked questions

How did you choose these mortgage brokers?

We started from mortgage brokers and lenders in New York with a public Google presence, then ranked by rating, review volume, consistency and recency. See How we score above.

Are these rankings paid?

No. Rankings come from the public Google data in the scorecard. A business can pay to be a Featured Partner, which adds a badge and top placement, but that never changes another business’s score or position on the underlying data.

How often is this updated?

The data carries a verified date (July 2026 on this page). We refresh listings periodically so ratings and review counts stay current.

Which of these brokers is best for a co-op or condo purchase in Manhattan?

Brian Scott Cohen has specific, reviewer-documented experience with co-op and condo board financing, including cases where buyers were initially denied elsewhere.

Is a large online lender like Better better than a smaller local broker?

It depends on your situation. Better offers speed and scale for straightforward loans, while smaller firms like GoRascal, GuardHill and individual brokers may offer more direct, personal attention, especially for complex financing.

The bottom line

Better is the safe default for a standard purchase or refinance given its scale and track record, while GuardHill and Brian Scott Cohen are the stronger calls for complex financing or co-op purchases. Whichever you choose, get a written, current rate quote before you commit.

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