24/7 Emergency · Chattanooga
Emergency Mortgage Brokers in Chattanooga, TN — Available 24/7
When you can't wait, these mortgage brokers in Chattanooga offer emergency response. Call now — most respond within the hour.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Chattanooga, TN by verified customer ratings and review volume. The highest-rated is Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans with a 5.0-star rating from 312 verified reviews. Also in the top tier: HomeRate Mortgage 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
Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans
1937 Dayton Blvd, Chattanooga, TN 37415, USA
HomeRate Mortgage
7506 E Brainerd Rd, Chattanooga, TN 37421, USA
Highlands Residential Mortgage
6576 E Brainerd Rd a, Chattanooga, TN 37421, USA
Mortgage Brokers Rankings in Chattanooga, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Casey Bryant Mortgage Team #NMLS 1670270 — Benchmark Home Loans1937 Dayton Blvd, Chattanooga, TN 37415, USA | 5.0★ | 312 |
| #2 | HomeRate Mortgage7506 E Brainerd Rd, Chattanooga, TN 37421, USA | 4.7★ | 500 |
| #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
Get Free Quotes
We'll connect you with the top mortgage brokers in Chattanooga, TN.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in Chattanooga
Related Searches
More ways to find mortgage brokers in Chattanooga
Mortgage Brokers in nearby cities