Same Day · Memphis
Same-Day Mortgage Brokers in Memphis, TN
Can't wait a week? These mortgage brokers in Memphis offer same-day or next-day appointments. Call now to check availability.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Memphis, TN by verified customer ratings and review volume. The highest-rated is Simmons Bank Mortgage Lending Office with a 4.8-star rating from 348 verified reviews. 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 May 17, 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
117
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Simmons Bank Mortgage Lending Office
1125 Schilling Blvd E # 107, Collierville, TN 38017, USA
Local Mortgage Inc.
5350 Poplar Ave Suite 850, Memphis, TN 38119, USA
The Wendy Thompson Lending Team
6489 N Quail Hollow Rd Ste. 106, Memphis, TN 38120, USA
Mortgage 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 | Ryan Knop1582 Poplar Ave, Memphis, TN 38104, USA | 5.0★ | 99 |
| #5 | Jennifer Ballheimer-Mortgage Financial Services1582 Poplar Ave, Memphis, TN 38104, USA | 5.0★ | 170 |
| #6 | New American Funding - Memphis, TN6000 Poplar Ave Ste 250, Memphis, TN 38119, USA | 5.0★ | 99 |
| #7 | Kylan Washington - Mortgage Financial Services1582 Poplar Ave, Memphis, TN 38104, USA | 5.0★ | 62 |
| #8 | Karlton Govan Lending Team - Southeast Home Loans1027 S Yates Rd Suite A-A1, Memphis, TN 38119, USA | 5.0★ | 129 |
| #9 | Mortgage Investors Group1000 Brookfield Rd #225, Memphis, TN 38119, USA | 4.9★ | 72 |
| #10 | Sara Wong at Rate (NMLS #592051)1355 Lynnfield Rd suite 147, Memphis, TN 38119, USA | 5.0★ | 75 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Memphis
Jennifer Ballheimer-Mortgage Financial Services
1582 Poplar Ave, Memphis, TN 38104, USA
New American Funding - Memphis, TN
6000 Poplar Ave Ste 250, Memphis, TN 38119, USA
Kylan Washington - Mortgage Financial Services
1582 Poplar Ave, Memphis, TN 38104, USA
Karlton Govan Lending Team - Southeast Home Loans
1027 S Yates Rd Suite A-A1, Memphis, TN 38119, USA
Mortgage Investors Group
1000 Brookfield Rd #225, Memphis, TN 38119, USA
Sara Wong at Rate (NMLS #592051)
1355 Lynnfield Rd suite 147, Memphis, TN 38119, USA
Mid South Mortgage Broker with EDGE Home Finance - Rick Siedschlag NMLS 1641728
9886 Gidding Wy Apt 109, Cordova, TN 38018, USA
Evolve Bank & Trust Home Loan Center
855 Ridge Lake Blvd Suite 210, Memphis, TN 38119, USA
John Wright Mortgage Evolve Bank & Trust
6070 Poplar Ave Suite 250, Memphis, TN 38119, USA
Andrew O'Fee - The Yankee Closer
688 W Brookhaven Cir, Memphis, TN 38117, USA
Colby Dorris - Mortgage Lender
855 Ridge Lake Blvd Suite 210, Memphis, TN 38120, USA
Michael Fergie, Mortgage Loan Officer - First Horizon Bank
4385 Poplar Ave, Memphis, TN 38117, USA
PrimeLending, A PlainsCapital Company - Memphis
6750 Poplar Ave # 118, Memphis, TN 38138, USA
Tim Smith at CrossCountry Mortgage
6263 Poplar Ave #430, Memphis, TN 38119, USA
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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: May 17, 2026.
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