A mortgage broker is a licensed professional who works directly with individual retail borrowers to assess financial needs, compare loan products, and facilitate the submission of mortgage applications to lending institutions. An aggregator, on the other hand, acts as the vital wholesale intermediary or corporate platform that supports a vast network of mortgage brokers. The aggregator provides essential technological infrastructure, regulatory compliance backing, software tools, and collective bargaining power to negotiate superior commission tiers and lender panel access for the individual brokers operating under its umbrella.