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Emergency Mortgage Brokers in Spring Hill, TN — Available 24/7
When you can't wait, these mortgage brokers in Spring Hill offer emergency response. Call now — most respond within the hour.
As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Spring Hill, TN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Bryan Little Group - NEO Home Loans Powered by Better with a 5.0-star rating from 110 Google reviews and an RNM Score of 96/100. Also in the top tier: The Erica Kelley Group powered by Flat Branch Home Loans and Thrive Lending: Mortgage Lenders. The average rating across all listed mortgage brokers in Spring Hill is 4.8 stars from 39 reviews per business on average.
Mortgage brokers in Spring Hill: 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
The Erica Kelley Group powered by Flat Branch Home Loans
This group is consistently top-ranked in Spring Hill for its combined expertise, personalized service, and strong local reputation.
Most Reviewed
Andrew Meyers, Mortgage Broker
A high review count indicates broad customer trust and a proven track record of satisfactory experiences over many clients.
When choosing a mortgage broker in Spring Hill, compare both the number of reviews and the level of personal attention offered. Interview a couple of these top-ranked groups to ensure their communication style and loan products match your financial goals.
Local Market Snapshot
11
Businesses listed
4.8★
Avg rating
39
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Highly rated Spring Hill mortgage broker with a perfect 5.0 stars from 110 reviews.
9695 Lebanon Rd #140, Mt. Juliet, TN 37122, USASpring Hill’s top-rated mortgage broker with a perfect 5.0 stars from 82 reviews.
2092 Fairview Blvd, Fairview, TN 37062, USARated 5.0 stars from 29 Google reviews, this Spring Hill broker is highly trusted.
2035 Tollgate Blvd, Thompson's Station, TN 37179, USAMortgage Brokers Rankings in Spring Hill, TN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Bryan Little Group - NEO Home Loans Powered by Better9695 Lebanon Rd #140, Mt. Juliet, TN 37122, USA | 5.0★ | 110 |
| #2 | The Erica Kelley Group powered by Flat Branch Home Loans2092 Fairview Blvd, Fairview, TN 37062, USA | 5.0★ | 82 |
| #3 | Thrive Lending: Mortgage Lenders2035 Tollgate Blvd, Thompson's Station, TN 37179, USA | 5.0★ | 29 |
| #4 | Andrew Meyers, Mortgage Broker2035 Tollgate Blvd, Thompson's Station, TN 37179, USA | 5.0★ | 19 |
| #5 | Thrive Lending: Jessi McRoy O'Brien, Loan Officer2035 Tollgate Blvd, Thompson's Station, TN 37179, USA | 5.0★ | 13 |
| #6 | SWBC Mortgage Corporation4918 Main St STE 7, Spring Hill, TN 37174, USA | — | — |
| #7 | Chase Home Lending4930 Main St, Spring Hill, TN 37174, USA | — | — |
| #8 | American Pacific Mortgage (NMLS #2790696)2001 Campbell Station Pkwy a3, Spring Hill, TN 37174, USA | — | — |
| #9 | Fairway Independent Mortgage Corporation3011 Harrah Dr suite o, Spring Hill, TN 37174, USA | 4.0★ | 4 |
| #10 | Danae Phillips, Mortgage Broker NMLS 16778152035 Tollgate Blvd, Thompson's Station, TN 37179, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Spring Hill
Rated 5.0 stars from 19 reviews, this Spring Hill broker is highly recommended.
2035 Tollgate Blvd, Thompson's Station, TN 37179, USA
Exceptional 5.0-star rating from 13 Google reviews in Spring Hill.
2035 Tollgate Blvd, Thompson's Station, TN 37179, USA
No reviews yet for this Spring Hill mortgage broker, leaving clients without feedback.
4918 Main St STE 7, Spring Hill, TN 37174, USA
A new mortgage broker in Spring Hill with no customer reviews yet.
4930 Main St, Spring Hill, TN 37174, USA
This business currently has no online reviews available.
2001 Campbell Station Pkwy a3, Spring Hill, TN 37174, USA
Spring Hill mortgage broker with a solid 4.0-star rating from 4 Google reviews.
3011 Harrah Dr suite o, Spring Hill, TN 37174, USA
Listings currently show no customer reviews for this Spring Hill mortgage broker.
2035 Tollgate Blvd, Thompson's Station, TN 37179, USA
Exceptional 4.9-star rating from 13 Google reviews for a Spring Hill mortgage broker.
5226 Main St STE D1, Spring Hill, TN 37174, USA
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Mortgage Brokers in Spring Hill, TN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Bryan Little Group - NEO Home Loans Powered by Better | 96/100 | 5.0 ★ | 110 |
| 2 | The Erica Kelley Group powered by Flat Branch Home Loans | 94/100 | 5.0 ★ | 82 |
| 3 | Thrive Lending: Mortgage Lenders | 88/100 | 5.0 ★ | 29 |
| 4 | Andrew Meyers, Mortgage Broker | 86/100 | 5.0 ★ | 19 |
| 5 | Thrive Lending: Jessi McRoy O'Brien, Loan Officer | 84/100 | 5.0 ★ | 13 |
| 6 | SWBC Mortgage Corporation | 15/100 | — | 0 |
| 7 | Chase Home Lending | 15/100 | — | 0 |
| 8 | American Pacific Mortgage (NMLS #2790696) | 15/100 | — | 0 |
| 9 | Fairway Independent Mortgage Corporation | 50/100 | 4.0 ★ | 4 |
| 10 | Danae Phillips, Mortgage Broker NMLS 1677815 | 3/100 | — | 0 |
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 Spring Hill
What does a mortgage broker do differently than going directly to a bank in Spring Hill?
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 Spring Hill?
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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