Are you looking to buy a real estate property in the US? If so, you’ll be interested to learn about the top mortgage broker companies in the US. These companies can help you find the best rates and close on your mortgage loan quickly.

Mortgage broker companies

Due to the ever-changing market and the current conditions of exceptionally high mortgage rates, it’s extremely beneficial to have the help of a mortgage brokerage company during the home-buying process. A mortgage broker company finds competitive mortgage loan offers and can present you with various options as they already have connections with multiple lenders in their areas of coverage. These companies have professionals that know the market inside and out and can assist you in finding the best financing option for your real estate purchase. 

Included are some of the top mortgage brokerage companies in the US, selected from:
Scotsman Guide Most Loans Closed in 2021 and the 2020 AIME Broker Rankings. Some of these companies are both brokers and lenders, but all are predominantly focused on providing mortgage brokerage services. For each company, you’ll find sales statistics, background information, coverage details, loan types they offer, advantages, google ratings, and links to social media sites and more information. The number of closed loans and total loan volume were taken from the Scotsman Guide linked above.

Loan Factory


Loan Factory
was the top-ranked US mortgage broker company in 2021, closing 8,957 loans with a total volume of $3,178,802,305. They were established in 2006 and are headquartered in San Jose, California. Loan Factory offers both brokerage and lending services; however, their brokerage services are more widespread. They employ 55 mortgage brokers and have coverage in all states except Montana, Wyoming, North Dakota, South Dakota, Indiana, New York, Rhode Island, Connecticut, and Alaska.

Loan Factory shops at 37 lenders to help find you the best rates. To begin the loan application process, customers must verify 2 full years of employment (which can include self-employment) and send over other required documents. These documents include but are not limited to, the last 2 months’ bank statements with sufficient funds to cover the down payment and closing costs, and last month’s pay stubs. In addition to helping you find a mortgage for your new property, they can also help you refinance your home. Loan factory focuses on helping US citizens and permanent residents get mortgage loans. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents:
  • Conventional
  • FHA
  • VA

Loan Factory aims to provide low mortgage rates with a focus on customer service, reducing overhead costs, automatically updating loan statuses, and only collecting funds once the rate is locked in. They also provide their customers with customized, real-time rate quotes, immediate notifications of any market rate movements, and comprehensive rate comparisons across all lenders. Loan Factory has a 5-star google rating. 

If you're interested in getting in touch or learning more about Loan Factory, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Loan Factory’s NMLS number: 320841.

C2 Financial Corporation


C2 Financial Corporation was ranked as the top mortgage broker in America by AIME in 2019, 2020, and 2021. They closed on 5,846 loans with a total volume of $2,585,190,843 in 2021. They were established in 2007 and are headquartered in San Diego, California. They offer both brokerage and lending services for commercial properties; however, their brokerage services are more widespread. C2 Financial Corporation employs 959 mortgage brokers and has coverage in 23 states across many regions of the U.S, primarily in the south, southeast, west, and mountain region. 

C2 Financial Corporation focuses on helping US citizens and permanent residents get mortgage loans for commercial properties. They have two divisions: C2 Commercial and C2 Reverse. C2 Commercial provides financing services for many types of commercial real estate, including retail, office, hotel, industrial, multifamily, single-tenant, special-purpose, and owner-user real estate. C2 Reverse provides reverse mortgage loans, for which they are solely a mortgage broker and not a lender. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents:
  • Conventional
  • Single-tenant NNN
  • Small Business Association (SBA)
  • Owner-user
  • FHA - not individually approved but can offer based on their relationships with FHA-approved lenders
  • Reverse mortgages
  • Home Equity Conversion Mortgages (HECM)
  • Jumbo mortgage loans

They shop at more than 100 wholesale lenders which allows them to offer a large variety of loan programs and, thanks to their large size as a company, they also generally receive superior pricing and service from lenders. C2 Financial Corporation has a 3.8-star google rating. 

If you're interested in getting in touch or learning more about Loan Factory, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using C2 Financial Corporation’s NMLS number: 135622.

Simplify Homes Loans


Simplify Home Loans closed on 4,228 loans with a total volume of $1,333,269,141 in 2021. They were established in 2016 and are headquartered in American Fork, Utah. They offer both brokerage and lending services; however, their brokerage services are more widespread. Simplify Home Loans employs 19 mortgage brokers and has coverage in 27 states across the US. 

They offer home loans and refinancing options for US citizens and permanent residents The loan programs they offer are listed below. Loan programs for US citizens and permanent residents (5 to 30-year terms):
  • Conventional
  • FHA
  • VA
  • USDA
  • Fixed-rate
  • Adjustable-rate
  • Jumbo and super jumbo
  • Refinance loans
  • HARP
  • 230K 
  • Reverse mortgages

Simplify Home Loans also offers an “All In One Loan” which is the nation's first transactional offset type-mortgage program, aimed at lowering interest payments and your loan's principal to achieve greater mortgage freedom. Simplify Home Loans has a 4.9-star google rating. 

If you're interested in getting in touch or learning more about Simplify Home Loans, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Simplify Home Loans’ NMLS number: 1569026.

City Creek Mortgage


City Creek Mortgage closed on 3,472 loans with a total volume of $1,003,142,317 in 2021. They were established in 1998 and are headquartered in Draper, Utah. City Creek Mortgage employs 22 mortgage brokers and offers brokerage services in 9 states: California, Colorado, Florida, Illinois, Idaho, Michigan, Kansas, Utah, and Oregon. 

The founders of City Creek Mortgage entered the broker industry to make the loan process easier and more affordable for its clients. They specialize in helping US citizens and permanent residents get mortgage loans. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents:
  • Conventional (8 to 30-year terms)
  • FHA
  • VA
  • USDA
  • Jumbo

City Creek Mortgage also offers no-cost loans that have no closing fees and can save you thousands of dollars upfront. Their employees have extended hours on weekdays and weekends and thus are readily available. City Creek Mortgage has a close-on-time guarantee for mortgage loans where they will pay you $5,000 if they've guaranteed to close your loan by a certain date, given that your application was approved on the original terms and you meet all of the eligibility requirements. With salary-based loan officers, agents can prioritize their client’s needs while still helping you to close with the best loan as fast as possible. City Creek Mortgage has a 4.9-star google rating. 

If you're interested in getting in touch or learning more about City Creek Mortgage, here are links to their Crunchbase and social media accounts:

You can find more licensing information by using City Creek Mortgage’s NMLS number: 85855.

Lund Mortgage Team


Lund Mortgage Team closed on 1,913 loans with a total volume of $481,788,367 in 2021. They were established in 2009 and are headquartered in Glendale, Arizona. Lund Mortgage Team is a small, family-owned company employing 6 mortgage brokers and offering brokerage services exclusively in Arizona. Their service areas include the following cities: Avondale, Cave Creek, Goodyear, Paradise Valley, and Peoria. 

The lenders they work with typically require a debt-to-income ratio of 28/36, meaning that no more than 28% of your monthly income (before taxes) can go toward housing and no more than 36% can go toward your total monthly debt. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents (5 to 30-year terms):
  • Conventional
  • FHA
  • VA
  • USDA
  • Fixed-rate
  • Adjustable-rate
  • Jumbo and super jumbo
  • Reverse mortgages

Despite their smaller team, they are dedicated to customer service even outside of regular work hours. Their services are limited in terms of location, but they are sure to have detailed advice when it comes to helping US citizens and permanent residents get mortgage loans in Arizona. Lund Mortgage Team has a 4.7-star google rating. 

If you're interested in getting in touch or learning more about Lund Mortgage Team, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Lund Mortgage Team’s NMLS number: 162701.

Answer Home Loans


Answer Home Loans closed on 1,524 loans with a total volume of $548,286,339 in 2021. They were established in 2018 and are headquartered in Granite Bay, California. Answer Home Loans employs 144 mortgage brokers and offers brokerage services in 6 states: California, Arizona, Colorado, Florida, Michigan, and Oregon. Additionally, they will have coverage in Nevada soon. 

They shop at more than 60 lenders and focus on helping US citizens and permanent residents get a new mortgage loan. To receive pre-qualification for a loan, they require a certain debt-to-income ratio, a FICO credit score, a source of down payment, and sufficient income for monthly payments. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents:
  • Conventional
  • FHA
  • VA
  • USDA
  • Fixed-rate
  • Adjustable-rate
  • Interest-only
  • Graduated payments
  • Jumbo

Answer Homes Loans' ownership team brings over 40 years of collective mortgage industry experience. They have a 4.5-star google rating. 

If you're interested in getting in touch or learning more about Answer Home Loans, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Answer Home Loans’ NMLS number: 1729528.

Price Mortgage


Price Mortgage was ranked as the 6th top mortgage broker in the AIME 2020 Broker Rankings. They closed on 665 loans with a total volume of $182,628,171 in 2021. They were established in 2015 and are headquartered in Gilbert, Arizona. Price Mortgage offers both brokerage and lending services; however, their brokerage services are more widespread. They employ 83 mortgage brokers and have coverage in 21 states across the US.   

As one of the premier mortgage brokers in Arizona and the Southwest, Price Mortgage provides many loan options for new mortgages and refinancing prior mortgages, shopping at over 30 lenders. Buyers across many different financial situations can find suitable financing options thanks to their wide variety of loan programs. However, they still only focus on helping US citizens and permanent residents with financing and refinancing. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents: 
  • Conventional
  • FHA
  • VA
  • Fixed-rate
  • Adjustable-rate
  • Down payment assistance
  • Jumbo

Refinance and renovation programs (10 to 30-year terms):

  • Reverse mortgages
  • FHA Streamline
  • HARP
  • VA IRRRL
  • 203K
  • Homestyle Renovation
  • Very limited Non-QM (bank statement loans)
  • POOL Escrow
  • HUD REO 
  • USDA Repair Escrow
  • Jumbo Renovation
  • Seller or Buyer-funded Repair Escrow

Additional loan programs:

  • Student loan payoff refinancing
  • Float down loan options
  • Medical marijuana home loans

Price Mortgage offers a variety of loan programs that can help first-time home buyers, those who need assistance with down payments, and those with lower credit scores take out a home loan. They never charge any underwriting, processing, or application fees and have no lender fees. Price Mortgage has a 4.6-star google rating. 

If you're interested in getting in touch or learning more about Price Mortgage, here are links to their social media accounts: 

You can find more licensing information by using Price Mortgage’s NMLS number: 1429043.

Nexa Mortgage


Nexa Mortgage is ranked as one of the top mortgage brokers in Arizona and is rapidly expanding in other state markets. They closed on 556 loans with a total volume of $251,763,685 in 2021. They were established in 2017 and are headquartered in Chandler, Arizona. Nexa Mortgage is the largest company included in this guide in terms of the number of employees, with 1,973 mortgage brokers. They offer brokerage services, for new mortgage loans and refinancing, in all states except New York. 

Nexa Mortgage can help customers with both residential and commercial loans. They help US citizens and permanent residents with their real estate financing needs. If there's a specific loan product you want, Nexa Mortgage is committed to finding you a program and an offer. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents:
  • Conventional
  • FHA - down to a credit score of 500
  • VA - down to a credit score of 500
  • USDA
  • Fixed-rate
  • Adjustable-rate
  • Jumbo and super jumbo
  • Down payment assistance
  • Refinance
  • 203K
  • HARP
  • Reverse mortgages

Specialty loan programs: 

  • Construction "One Time Close"
  • Bank DrNEXA
  • Bank statement programs
  • NO DOC programs
  • Hard money
  • Fix and flip loan programs

With so many agents, they can foster a personal relationship with every customer and someone is always available for a live support session. Loan processors are commission-only and thus dedicated to moving the process along quickly. Nexa Mortgage has a 4.4-star google rating. 

If you're interested in getting in touch or learning more about Nexa Mortgage, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Nexa Mortgage’s NMLS number: 1660690.

Edge Home Finance


Edge Home Finance was ranked as a top mortgage broker in the AIME 2020 Broker Rankings.They closed on 438 loans with a total volume of $125,411,123 in 2021. They were established in 2011 and are headquartered in Edina, Minnesota. Edge Home Finance employs 42 mortgage brokers and offers brokerage services in 25 states across the US. 

Edge Home Finance specializes in helping US citizens and permanent residents get a new mortgage loan or refinance their current loan. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents (5 to 30-year terms):
  • Conventional
  • FHA
  • VA
  • USDA
  • Fixed-rate
  • Adjustable-rate
  • Jumbo and super jumbo
  • Refinance
  • 203K
  • Reverse mortgages

Edge Home Finance has free tools on its website, including a "Search Homes for Sale" application to help you during your property search. This is just one way they are committed to helping you along the way to home ownership before the mortgage process even begins. Edge Home Finance has a 4.8-star google rating. 

If you're interested in getting in touch or learning more about Edge Home Finance, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Edge Home Finance’s NMLS number: 891464.

Morty


Morty closed on 416 loans with a total volume of $131,191,001 in 2021. They were established in 2015 and are headquartered in New York, New York. They employ 8 mortgage brokers and offer brokerage services in all states except Nevada, Missouri, Massachusetts, and Hawaii. 

Morty is the most limited mortgage broker included in this guide in terms of the loan types they offer and the scope of homebuyers they serve. Their requirements for borrowers include a FICO credit score of 620 or greater, all accounts current on your credit report, and outstanding non-medical collection or charge-offs totaling less than $2,000. Additionally, they don’t support non-traditional credit, customers must have been employed in the same or a similar line of work for two years prior, they can't have more than 60 days of unemployment during the past 2 years, and can't be self-employed. All asset requirement funds must be held with accredited and recognized US financial institutions. Their maximum allowed debt-to-income DTI ratio is 43% and they require a minimum down payment of 3% for single-unit homes, 15% for two-unit homes, and 20% for three and four-unit homes. The loan programs they offer are listed below. 

Loan programs for US citizens and permanent residents:
  • Fixed-rate (15, 20, and 30-year)
  • Jumbo
  • Refinance - if you previously closed a home loan purchase with Morty

A unique service that they offer as an alternative to refinancing is recasting your loan, where you keep the same loan and interest rate and lower your monthly payments and the total interest you will pay. Morty may be a good option for US citizens or permanent residents that fit all of these requirements and are looking for conventional or jumbo loans. They also have certain advantages, helping people purchase a home for primary residence, secondary residence, or investment purposes with some restrictions on the size and type of properties they can finance for each. Morty gives customers a live view of their mortgage status so they can stay up-to-date. If they don’t make your closing date, they’ll give you $2,000, and for some types of transactions, they can expedite the process and help you close in as few as 14 business days. Morty has a 4.8-star google rating. 

If you're interested in getting in touch or learning more about Morty, here are links to their Crunchbase and social media accounts: 

You can find more licensing information by using Morty’s NMLS number: 1429243

Kredium


Kredium was established in 2021 and is headquartered in Delaware. We employ 4 experts in our US branch. Kredium currently has licenses in California, Colorado, and Florida, and is in the process of expanding to additional states such as New York, Texas, Maryland, Virginia, and Illinois with the goal of nationwide coverage.


Kredium is the most newly established company included in this guide, and consequently is one of the latest up-and-coming companies in the mortgage industry. We are a fast-growing start-up focused on innovation and changing the digital mortgage brokerage landscape to cater to an often-overlooked demographic of buyers. Kredium specializes in helping foreigners, including non-residents and temporary residents, get a personalized mortgage loan for their dream home or investment property. With a growing network of 20 lenders with ITIN and DSCR mortgage programs and 15 lenders with programs for foreign nationals, we're largely focused on non-QM loans that allow foreign nationals to get investment loans without requiring bank statements or verification of employment. However, Kredium can also help US nationals and permanent residents find suitable non-QM loans. We plan to expand our coverage and start offering FHA, VA, and USDA loans for these customers in the near future. 

Now a look into the specifics of the non-QM loan programs that Kredium offers: 

Foreign nationals mortgages
  • For: residents and non-resident
  • Resident requirements (permanent and temporary):
  • SSN or ITIN
  • Credit score not required
  • US source of income
  • Full documentation
  • Non-resident requirements:
  • Foreign credit report
  • Reserve assets
  • DSCR accepted
  • Full documentation
  • Or qualify with DSCR only
  • Down payment as low as 15%
  • Eligible properties: single family home, condo, 2-4 unit residential building, townhome
  • If you're a non-resident, offers are primarily for investment properties 


DSCR mortgages
(Debt Service Coverage Ratio)

  • For: foreign nationals
  • DSCR is a measurement of a property’s cash flow vs its debt obligations
  • DSCR ratio of 0.7 or higher required 
  • Down payment as low as 15%
  • Interest-only mortgages available
  • Eligible properties: single-family, multi-family, condominium, manufactured, townhome


Bank statement mortgages

  • For: 1099 earners, business owners, entrepreneurs, independent consultants, freelancers, and gig workers
  • Down payment as low as 10%
  • Eligible properties: single family home, condo, townhome, planned unit development (PUD), 2-4 unit residential building, and condotel


ITIN mortgages
(Individual Tax Identification Number)

  • For: employees that work in the US or owners of US companies that pay taxes through an ITIN, both residents and non-residents
  • Requirements:
  • US source of income
  • Full documentation
  • Not required: SSN and credit score 
  • Down payment as low as 15%
  • Eligible properties: single family, condo, townhome, 2-4 unit residential building


Kredium is also an international mortgage broker and offers expat and cross-border mortgages. We stand out as a leader in the cross-border mortgage field as very few mortgage brokers offer these services. Foreign nationals can get a loan based solely on DSRC, opening up many options for investment opportunities.

In addition to national coverage, we offer brokerage services on a global scale. Kredium currently has coverage in a total of 60 countries. We have a European branch with headquarters in Belgrade, Serbia, and a Middle Eastern branch with headquarters in Dubai, UAE. Kredium has a growing network of international lenders and offers international mortgages for US citizens for properties outside of the US. 

By offering a large variety of non-QM programs, Kredium can help foreigners, US residents, and US citizens that may struggle to qualify for conventional loans, find a viable mortgage loan option. We have in-house customer relationship management (CRM) and a loan origination system (LOS) that allows us to expedite the loan process and focus on customer satisfaction. Another reason that Kredium is unique from other mortgage brokers, is that we integrate property buying into the process and can help customers find a property that fits their needs in their desired location. We’re committed to helping our clients with start-to-finish guidance, personalized loan offers, and time-saving services. Kredium has a 4.9-star google rating. 

If you're interested in learning more about Kredium, here are links to our Crunchbase and social media accounts: 

You can find more licensing information by using Kredium’s NMLS number: 2189684.

Going forward

This guide has provided you with an overview of some of the top mortgage brokerage companies in the US, allowing you to go forward on your property ownership journey with greater knowledge and confidence. You are now more familiar with each company, including their recent statistics, background information, coverage details, loan types, advantages, and general customer reviews. If you want to get even more familiar with the US real estate industry, check out the top real estate developers in the US

While each company is sure to have its advantages and disadvantages when it comes to its loan offers and coverage, comparing them can help you determine which broker company is the right fit given your personal circumstances. For example, if you’re a foreigner looking to buy a property in the US, Kredium is likely the only listed company that can meet your needs. We provide a variety of non-QM loans that may be available to foreigners, regardless of your residency status, and US citizens. Our international offices allow us to support real estate purchases in many states and countries, with our coverage increasing rapidly as Kredium expands. 

Kredium’s mission is to make mortgages global, and we promise to help our clients through every step of this process. As a bonus to our other services, we offer a mortgage calculator that gives you an overview of your total loan amount and monthly payment to help you start to determine which properties you can afford. Get in touch with one of our team members to let us know how we can assist you and sign-up to get the latest updates! We can help you navigate this unpredictable market with knowledge and experience on your side.  
Photo Credits: 
  • Photo by Andrea Piacquadio | Pexels

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Kredium

Loan Factory

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Answer Home Loans

Price Mortgage

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