10+ Years · Memphis
Experienced Mortgage Brokers in Memphis, TN
Experience matters. These mortgage brokers in Memphis have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Memphis, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Simmons Bank Mortgage Lending Office with a 4.8-star rating from 348 Google reviews and an RNM Score of 97/100. Also in the top tier: Local Mortgage Inc. and The Wendy Thompson Lending Team. The average rating across all listed mortgage brokers in Memphis is 4.9 stars from 117 reviews per business on average.
Mortgage brokers in Memphis: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Jennifer Ballheimer-Mortgage Financial Services
Top-ranked for her personalized service and strong local reputation in Memphis.
Most Reviewed
Jennifer Ballheimer-Mortgage Financial Services
A high number of reviews indicates a broad base of client experiences and trust.
When choosing a mortgage broker in Memphis, prioritize brokers with strong local knowledge and transparent communication about fees and loan options.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
117
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of Memphis clients with a stellar 4.8-star average rating.
1125 Schilling Blvd E # 107, Collierville, TN 38017, USATop-rated Memphis mortgage broker with a perfect 4.9★ rating from 284 reviews.
5350 Poplar Ave Suite 850, Memphis, TN 38119, USAMemphis mortgage broker with a 4.9-star rating from 238 Google reviews.
6489 N Quail Hollow Rd Ste. 106, Memphis, TN 38120, USAMortgage Brokers Rankings in Memphis, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Simmons Bank Mortgage Lending Office1125 Schilling Blvd E # 107, Collierville, TN 38017, USA | 4.8★ | 348 |
| #2 | Local Mortgage Inc.5350 Poplar Ave Suite 850, Memphis, TN 38119, USA | 4.9★ | 284 |
| #3 | The Wendy Thompson Lending Team6489 N Quail Hollow Rd Ste. 106, Memphis, TN 38120, USA | 4.9★ | 238 |
| #4 | Jennifer Ballheimer-Mortgage Financial Services1582 Poplar Ave, Memphis, TN 38104, USA | 5.0★ | 170 |
| #5 | PrimeLending, A PlainsCapital Company - Memphis6750 Poplar Ave # 118, Memphis, TN 38138, USA | 4.9★ | 118 |
| #6 | Tim Smith at CrossCountry Mortgage6263 Poplar Ave #430, Memphis, TN 38119, USA | 4.9★ | 88 |
| #7 | Colby Dorris - Mortgage Lender855 Ridge Lake Blvd Suite 210, Memphis, TN 38120, USA | 5.0★ | 44 |
| #8 | Eagle Mortgage & Funding6260 Poplar Ave, Memphis, TN 38119, USA | 4.4★ | 43 |
| #9 | Mid South Mortgage Broker with EDGE Home Finance - Rick Siedschlag NMLS 16417289886 Gidding Wy Apt 109, Cordova, TN 38018, USA | 5.0★ | 8 |
| #10 | Evolve Bank & Trust Home Loan Center855 Ridge Lake Blvd Suite 210, Memphis, TN 38119, USA | 4.9★ | 120 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Memphis
Memphis mortgage broker with 5.0 stars from 170 Google reviews.
1582 Poplar Ave, Memphis, TN 38104, USA
A Memphis mortgage broker with a 4.9-star rating from over 100 client reviews.
6750 Poplar Ave # 118, Memphis, TN 38138, USA
Top-rated Memphis mortgage broker with 4.9 stars from 88 Google reviews.
6263 Poplar Ave #430, Memphis, TN 38119, USA
Trusted Memphis mortgage broker with a perfect 5.0★ rating from 44 reviews.
855 Ridge Lake Blvd Suite 210, Memphis, TN 38120, USA
Trusted by locals with a solid 4.4-star rating from 43 reviews.
6260 Poplar Ave, Memphis, TN 38119, USA
Memphis mortgage broker with a perfect 5.0 star rating from 8 Google reviews.
9886 Gidding Wy Apt 109, Cordova, TN 38018, USA
Top-rated Memphis mortgage broker with 4.9 stars from 120 Google reviews.
855 Ridge Lake Blvd Suite 210, Memphis, TN 38119, USA
Rated 4.9 stars from 85 Google reviews, this Memphis mortgage broker is highly trusted.
688 W Brookhaven Cir, Memphis, TN 38117, USA
5.0-star rated mortgage broker with over 70 Google reviews in Memphis.
6070 Poplar Ave Suite 250, Memphis, TN 38119, USA
Rated 4.8 stars from 174 Google reviews by Memphis clients.
142 Timber Creek Dr, Cordova, TN 38018, USA
62 Google reviews give this Memphis mortgage broker a perfect 5.0-star rating.
1582 Poplar Ave, Memphis, TN 38104, USA
Trusted Memphis mortgage broker with a perfect 5.0★ rating from 129 reviews.
1027 S Yates Rd Suite A-A1, Memphis, TN 38119, USA
Rated 5.0 stars from 99 Google reviews, this Memphis mortgage broker is highly trusted.
6000 Poplar Ave Ste 250, Memphis, TN 38119, USA
Rated 4.9 stars from 72 Google reviews, a top choice in Memphis.
1000 Brookfield Rd #225, Memphis, TN 38119, USA
5.0-star rated mortgage broker with 75 glowing reviews from Memphis clients.
1355 Lynnfield Rd suite 147, Memphis, TN 38119, USA
Trusted Memphis mortgage broker with a perfect 5.0★ rating across 17 reviews.
4385 Poplar Ave, Memphis, TN 38117, USA
5.0-star rating from 99 Google reviews, reflecting exceptional client satisfaction.
1582 Poplar Ave, Memphis, TN 38104, USA
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Mortgage Brokers in Memphis, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Simmons Bank Mortgage Lending Office | 97/100 | 4.8 ★ | 348 |
| 2 | Local Mortgage Inc. | 98/100 | 4.9 ★ | 284 |
| 3 | The Wendy Thompson Lending Team | 98/100 | 4.9 ★ | 238 |
| 4 | Jennifer Ballheimer-Mortgage Financial Services | 98/100 | 5.0 ★ | 170 |
| 5 | PrimeLending, A PlainsCapital Company - Memphis | 94/100 | 4.9 ★ | 118 |
| 6 | Tim Smith at CrossCountry Mortgage | 93/100 | 4.9 ★ | 88 |
| 7 | Colby Dorris - Mortgage Lender | 91/100 | 5.0 ★ | 44 |
| 8 | Eagle Mortgage & Funding | 80/100 | 4.4 ★ | 43 |
| 9 | Mid South Mortgage Broker with EDGE Home Finance - Rick Siedschlag NMLS 1641728 | 82/100 | 5.0 ★ | 8 |
| 10 | Evolve Bank & Trust Home Loan Center | 94/100 | 4.9 ★ | 120 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Memphis
What does a mortgage broker do differently than going directly to a bank in Memphis?
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 Memphis?
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: July 4, 2026.
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