Average Mortgage Brokers Cost by City — 2026 Data
Real market data on mortgage brokers provider counts and ratings across the top 50 cities in our directory. Use this data to understand pricing context and market competition in your area.
Typical Cost Range
50
Cities Tracked
984
Providers in Data
2026
Data Year
Understanding This Data
The table below shows the top 50 cities in our mortgage brokers directory ranked by number of active providers. Cities with more providers generally have more competitive pricing — a larger supply of qualified professionals tends to keep rates in check.
The Cost Range column reflects the national average for mortgage brokers services (). Per-city pricing data is not yet available in our dataset; we use the national range as a baseline. Your actual quote will depend on the scope of your project, the provider's tier, and local market conditions.
Average Rating is calculated from all active listings in that city that have at least one rated provider in our system. Cities marked with a dash (—) have listings but no ratings on record yet.
Mortgage Brokers Cost Table by City
Top 50 cities by provider count| # | City | State | # of Providers | Avg Rating | Cost Range |
|---|---|---|---|---|---|
| 1 | Los Angeles | CA | 21 | 5.0 | |
| 2 | Houston | TX | 21 |
What Drives Mortgage Brokers Costs?
Market Competition
Cities with more providers (see the table above) tend to have more competitive pricing. In markets with 10+ active providers, you have real leverage to negotiate — use it.
Scope and Complexity
The most significant cost driver is scope. A basic, well-defined project at the low end of the null range can balloon 2–3× if complications arise. Get a written scope of work before any agreement.
Provider Tier
Established, highly-rated providers typically charge a premium — and often deliver better outcomes. Budget providers may cut corners on materials, subcontract work to unlicensed individuals, or carry inadequate insurance.
Location and Travel
Providers in major metro areas often charge more due to higher overhead. However, rural markets with fewer providers may charge a premium due to lack of competition. Urban vs. rural can shift costs by 15–30%.
Pro Tip: Use City Ranking as a Pricing Signal
Cities ranked #1–10 in the table above are your most competitive markets. If you're located there, you have the most options — get 3+ quotes and don't accept the first offer. Cities ranked #30–50 have fewer providers; factor in potential premium pricing when budgeting.
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