Buying a home is one of life’s biggest financial milestones, but navigating mortgage options can feel overwhelming. That’s where a mortgage broker in USA comes in. A broker acts as a middleman, helping you compare multiple lenders to secure the best rates and loan terms.
With dozens of brokers operating nationwide, choosing the right one is crucial. Based on the 2025 Scotsman Guide Top Mortgage Brokers list, we’ve updated this guide to help you find the best mortgage broker in USA, with Loan Factory emerging as a top choice for most borrowers.
A mortgage broker acts as a middleman between you and potential lenders. Unlike banks that only offer their own mortgage products, brokers have access to multiple lenders, giving you more loan options. Here’s how they work:
- Review your financial situation and credit score.
- Shop around with multiple lenders to find the best loan.
- Help you submit paperwork and negotiate terms.
- Guide you through the closing process.
Mortgage Broker vs Bank: Which is Better for Home Loans?
Choosing between a mortgage broker in USA and a bank depends on your needs:
| Factor | Mortgage Broker | Bank |
| Loan Options | Multiple lenders | Only their own products |
| Rates | Can compare to find lowest | Fixed to bank’s rate |
| Fees | Broker fees may apply | No broker fees |
| Best For | First-time buyers, unique credit situations | Existing customers with good credit |
Most buyers benefit more from a mortgage broker in USA because brokers provide better flexibility, more loan options, and often lower rates.
Why Choose a Mortgage Broker in USA?
Benefits of Using a Mortgage Broker:
- Access to Multiple Lenders – More chances of finding a low-interest loan.
- Time-Saving – Brokers do all the paperwork and negotiations for you.
- Expert Guidance – Great for first-time buyers or complex financial situations.
- Better Deals – Brokers may have access to wholesale rates not available to the public.
10 Best Mortgage Brokers in USA (2025 Update)
Based on Scotsman Guide for 6 months 2025 Top Mortgage Brokers, here are the updated rankings:
#1 Cohen Financial Group – Best for High-Volume Loans
Brokered Volume: $790M | Closed Loans: 609
Mark Cohen leads the list with unmatched expertise and a proven track record, ideal for high-value borrowers.
#2 Loan Factory – Best Overall Mortgage Broker in USA
Brokered Volume: $339M | Closed Loans: 864
Thuan Nguyen’s Loan Factory is praised for competitive rates, transparent fees, and the highest number of closed loans in the USA. With access to over +240 lenders, it’s the go-to broker for first-time buyers, refinancers, and experienced homeowners.
→ Read more: Thuan Nguyen - CEO of Loan Factory
#3 Sunnyhill Financial Inc. – Best for Personalized Service
Brokered Volume: $325M
Brian Cooke’s firm excels in offering tailored mortgage solutions.
#4 Truss Financial Group LLC – Best for Niche Loan Products
Brokered Volume: $320M
Jeffrey Miller specializes in unique loan products, including self-employed borrower programs.
#5 Convoy Home Loans – Best for Investor-Friendly Loans
Brokered Volume: $248M
Dustin Rosenberg’s team focuses on fast approvals and real estate investor-friendly loans.
#6 Wonder Rates – Best for Competitive Rates
Brokered Volume: $230M
Duc Pham is known for consistently finding some of the lowest mortgage rates in the USA.
#7 Vema Mortgage LLC – Best for First-Time Homebuyers
Brokered Volume: $208M
Vipul Hapani offers educational resources and flexible loans for new buyers.
#8 Insignia Mortgage Inc. – Best for Jumbo Loans
Brokered Volume: $204M
Chris Furie specializes in jumbo and high-net-worth mortgage solutions.
#9 Insignia Mortgage Inc. (Damon Germanides) – Best for Complex Borrowers
Brokered Volume: $202M
Great for self-employed or non-traditional income borrowers.
#10 Federal Hill Mortgage – Best for Customer Support
Brokered Volume: $200M
Tammy Saul’s firm offers great customer service and FHA/VA loan options.
Why Loan Factory Helps More Families Buy Homes but is Ranked #2
You might be wondering: If Loan Factory helps more families in America buy homes than any other broker, why isn’t it ranked #1?
The truth is simple—Scotsman Guide ranks brokers based on total loan volume, not on the number of families who achieve their dream of homeownership.
While other brokers chase million-dollar jumbo loans, Loan Factory focuses on what truly matters—helping everyday Americans. We specialize in middle-class families, first-time buyers, and diverse communities, making homeownership possible for those who thought it was out of reach.
And that’s where Loan Factory makes the biggest difference. With more families helped than any other mortgage broker in the USA, our impact isn’t just measured in dollars—it’s measured in dreams fulfilled, keys handed over, and lives changed.
Thanks to our advanced platform, which compares 240+ lenders in seconds, we deliver fast approvals, lower rates, and a stress-free process—so more families can finally call a house their home.
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→ Read Customer Reviews and see why Loan Factory is the top choice for homebuyers across the country.
Finding the Best Mortgage Broker in USA
Choosing the best mortgage broker in USA can make homeownership easier, faster, and more affordable. Whether you’re a first-time buyer or refinancing, a trusted broker like Loan Factory ensures you get the best loan at the lowest rate, all while guiding you through every step of the process.
Ready to secure the lowest mortgage rates in the USA? Apply Now with Loan Factory – Your trusted mortgage partner!
- Compare 240+ lenders instantly
- Get personalized mortgage advice
- Fast approvals & transparent fees
- Lower rates, fast approvals, no hidden fees
- Trusted by thousands of happy homeowners
Start your mortgage journey today with Loan Factory and save thousands on your home loan!
Call us today: (714) 444-9999
FAQs About Mortgage Broker in USA
