Best Value · Chattanooga
Affordable Mortgage Brokers in Chattanooga, TN
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As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Chattanooga, TN by verified customer ratings and review volume. The highest-rated is HomeRate Mortgage with a 4.7-star rating from 500 verified reviews. Also in the top tier: Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans and Highlands Residential Mortgage. The average rating across all listed mortgage brokers in Chattanooga is 4.9 stars from 118 reviews per business on average.
Mortgage brokers in Chattanooga: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
118
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
HomeRate Mortgage
7506 E Brainerd Rd, Chattanooga, TN 37421, USA
Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans
1937 Dayton Blvd, Chattanooga, TN 37415, USA
Highlands Residential Mortgage
6576 E Brainerd Rd a, Chattanooga, TN 37421, USA
Mortgage Brokers Rankings in Chattanooga, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | HomeRate Mortgage7506 E Brainerd Rd, Chattanooga, TN 37421, USA | 4.7★ | 500 |
| #2 | Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans1937 Dayton Blvd, Chattanooga, TN 37415, USA | 5.0★ | 312 |
| #3 | Highlands Residential Mortgage6576 E Brainerd Rd a, Chattanooga, TN 37421, USA | 5.0★ | 220 |
| #4 | The Byram Group at CrossCountry Mortgage36 E Main St #102, Chattanooga, TN 37408, USA | 5.0★ | 59 |
| #5 | Scenic City Mortgage Team with LeaderOne Financial1208 Pointe Centre Dr Suite 208, Chattanooga, TN 37421, USA | 5.0★ | 34 |
| #6 | PrimeLending, A PlainsCapital Company - Chattanooga1200 Premier Dr #220, Chattanooga, TN 37421, USA | 4.9★ | 103 |
| #7 | The J Lending Team – Highlands Residential Mortgage6576 E Brainerd Rd, Chattanooga, TN 37421, USA | 5.0★ | 137 |
| #8 | Chatt Mortgage6650 E Brainerd Rd Suite 208, Chattanooga, TN 37421, USA | 4.9★ | 107 |
| #9 | Richard Sailors VA Home Loan Officer NMLS #1164163 Benchmark Home Loans1937 Dayton Blvd, Chattanooga, TN 37415, USA | 5.0★ | 45 |
| #10 | Cheryl Owens1813 Market St, Chattanooga, TN 37408, USA | 5.0★ | 63 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Chattanooga
The Byram Group at CrossCountry Mortgage
36 E Main St #102, Chattanooga, TN 37408, USA
Scenic City Mortgage Team with LeaderOne Financial
1208 Pointe Centre Dr Suite 208, Chattanooga, TN 37421, USA
PrimeLending, A PlainsCapital Company - Chattanooga
1200 Premier Dr #220, Chattanooga, TN 37421, USA
The J Lending Team – Highlands Residential Mortgage
6576 E Brainerd Rd, Chattanooga, TN 37421, USA
Chatt Mortgage
6650 E Brainerd Rd Suite 208, Chattanooga, TN 37421, USA
Richard Sailors VA Home Loan Officer NMLS #1164163 Benchmark Home Loans
1937 Dayton Blvd, Chattanooga, TN 37415, USA
Cheryl Owens
1813 Market St, Chattanooga, TN 37408, USA
Corey Petree - Union Home Mortgage - NMLS# 168632
13 W Kent St Suite 101, Chattanooga, TN 37405, USA
Dale Whaley - CMG Home Loans
1813 Market St, Chattanooga, TN 37408, USA
Mortgage Investors Group
6221 Shallowford Rd #104, Chattanooga, TN 37421, USA
McGinnis Team - Mortgage Lender - RWM Home Loans
300 Ashland Terrace, Chattanooga, TN 37415, USA
The Gabe Whitmer Team, FirstBank Mortgage, NMLS# 1427791
201 W Main St #105, Chattanooga, TN 37408, USA
Christina Lane
1830 Washington St, Chattanooga, TN 37408, USA
Union Home Mortgage Vickie Phillips
13 W Kent St Suite 101, Chattanooga, TN 37402, USA
JoAnna Otero - Union Home Mortgage
6085 Arbury Way #201, Ooltewah, TN 37363, USA
Fairway Independent Mortgage Corp. of Chattanooga
1800 Rossville Ave #108, Chattanooga, TN 37408, USA
Mortgage South
6576 E Brainerd Rd, Chattanooga, TN 37421, USA
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Frequently Asked Questions — Mortgage Brokers in Chattanooga
What does a mortgage broker do differently than going directly to a bank in Chattanooga?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Chattanooga?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in TN?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 1, 2026.
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