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Looking for a mortgage broker in Smithtown? Review the directory below to compare your options.
11 agents listed
Updated May 2026
Smithtown, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New York before hiring.
Showing 11 mortgage brokers in Smithtown, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Contigo Mortgage
37 W Main St, Smithtown, NY 11787
6316099108
All Island Mortgage & Funding Corp.
496 NY-347 #308, Smithtown, NY 11787
6319793300
Luminate Bank - Smithtown Branch
11 Redwood Ln, Smithtown, NY 11787
6314066565
Best Rate Capital Inc.
975 W Jericho Turnpike #3, Smithtown, NY 11787
6313600003
Vista Capital Services Inc
1020 W Jericho Turnpike #209, Smithtown, NY 11787
6316442663
DMN Mortgage Corp.
155 E Main St, Smithtown, NY 11787
6314863770
UNMB Home Loans Inc. - Smithtown, NY
398 NY-111, Smithtown, NY 11787
6318519567
Long Island Mortgage | New York Reverse Mortgages
738 Smithtown Bypass #101, Smithtown, NY 11787
6318633300
Michele Muldoon
7 W Main St, Smithtown, NY 11787
5162441981
Ownit, LLC
180 E Main St Suite 206, Smithtown, NY 11787
9176624628
American Financial Resources, Inc.
91 Maple Ave, Smithtown, NY 11787
6316560060
Mortgage brokers in Smithtown New York help home buyers and refinancing homeowners find suitable loan products. They work with multiple lenders to compare rates and terms. New York law requires mortgage brokers to be licensed by the Department of Financial Services and to follow strict disclosure rules under General Business Law Article 12-D.
What Does a Mortgage Broker in Smithtown Cost?
Mortgage brokers in New York typically charge an origination fee of 1 percent to 2 percent of the loan amount. For a 400,000 dollar loan, that fee would be 4,000 to 8,000 dollars. Some brokers also charge a flat application fee of 300 to 500 dollars. Costs vary based on loan complexity and lender requirements. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a mortgage broker in Smithtown do?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information, shop for loan options from various banks and credit unions, and help you complete the application process. In New York, brokers must provide a written disclosure of their fees and any lender compensation before you apply.
How do I choose a mortgage broker in Smithtown?
Look for a broker who is licensed with the New York State Department of Financial Services. Ask about their experience with local lenders and their fee structure. You can verify a brokers license on the NMLS Consumer Access website.
What documents do I need to apply with a mortgage broker in New York?
You typically need recent pay stubs, W-2 forms, tax returns for the last two years, bank statements, and proof of any other assets. New York also requires a signed intent to proceed form before the broker can charge any fees.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New York.