Mortgage broker
intermediary who brokers mortgage loans on behalf of individuals or businesses
A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. As markets for mortgages have become more competitive, however, the role of the mortgage broker has become more popular. In many developed mortgage markets today, (especially in the United States, Canada, the United Kingdom, Australia, New Zealand, Spain and Italy), mortgage brokers are the largest sellers of mortgage products for lenders. Mortgage brokers exist to find a bank or a direct lender that will be willing to make a specific loan an individual is seeking. Mortgage brokers in Canada are paid by the lender and do not charge fees for good credit applications. In the US, many mortgage brokers are regulated by their state and by the CFPB to assure compliance with banking and finance laws in the jurisdiction of the consumer. The extent of the regulation depends on the jurisdiction.
Duties of a mortgage broker
The nature and scope of a mortgage broker's activities vary with jurisdiction. For example, anyone offering mortgage brokerage in the United Kingdom is offering a regulated financial activity; the broker is responsible for ensuring the advice is appropriate for the borrowers' circumstances and is held financially liable if the advice is later shown to be defective.
The public source identifies “Mortgage broker” as intermediary who brokers mortgage loans on behalf of individuals or businesses. This brief keeps that definition visible, then builds a research path around Mortgage, broker and intermediary.
Why this record matters
A short description can identify a subject without explaining its stakes. For “Mortgage broker”, the useful work is to connect “intermediary who brokers mortgage loans on behalf of individuals or businesses” to the records capable of establishing context and consequence.
Named sources, stable identifiers and responsible institutions provide the strongest route from overview to verifiable evidence. The source revision retrieved here is dated Sep 7, 2026. The linked authority identifier is Q1278442. The Library of Congress control number is sh96009426. 1 of 1 selected statements include explicit references; 0 carry qualifiers and 0 use preferred rank.
The absence of detail may reflect summary conventions rather than a lack of surviving documentation. The source lead contains qualifying language; that uncertainty should survive quotation, summary and reuse. Authority statements aid reconciliation but still require their own references, qualifiers and ranks to be checked.
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This entry incorporates text from “Mortgage broker” on English Wikipedia. Contributors are listed in the page history. Text is available under the Creative Commons Attribution-ShareAlike 4.0 License. Selected authority identifiers and statements are retrieved from Wikidata under CC0; their references and qualifiers remain part of the verification path.