Latest update · June 13, 2026: Initial ranking published. 10 Memphis-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.
Finding the right mortgage broker is essential for securing the best financing options, especially in a city like Memphis where home buying can be competitive. With a total of 10 providers evaluated, the stark contrast in performance is clear, particularly the leader, Jennifer Ballheimer-Mortgage Financial Services, which holds a perfect 5-star rating from 201 reviews.
Our list is built on a thorough evaluation of each broker's reviews and ratings, ensuring you have the latest insights. We refresh our rankings monthly, considering factors like customer feedback and service quality, so you can make informed decisions based on reliable data.
10mortgage brokers evaluated in Memphis
4.91average rating across the field
1.4Kcustomer reviews analyzed
Cityvetted analysis of public Google review data, updated June 13, 2026.
With a perfect rating of 5 stars from 201 reviews, Jennifer Ballheimer-Mortgage Financial Services excels at guiding clients through the mortgage process.
To evaluate the best mortgage brokers in Memphis, we analyzed customer reviews, star ratings, and overall satisfaction. Each provider was assessed on their responsiveness, expertise, and the breadth of services offered, which play a crucial role in the mortgage process.
No one pays for placement in our rankings. We prioritize transparency and objectivity, ensuring that the businesses listed are genuinely the best based on real user experiences.
The Vetted Score: six weighted factors
Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%
Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.
With a perfect rating of 5 stars from 201 reviews, Jennifer Ballheimer-Mortgage Financial Services excels at guiding clients through the mortgage process. Reviewers appreciate her personalized service and attention to detail, making her a top choice for first-time homebuyers. However, high demand may lead to longer response times during peak periods.
Local Mortgage Inc. holds a strong rating of 4.9 stars from 302 reviews, showcasing its popularity among Memphis residents. Clients appreciate the friendly staff and quick processing times, making it a solid choice for those looking to close on a home quickly. Some reviewers mention occasional communication issues during busy times.
Southeast Home Loans achieves a solid 5-star rating from 135 reviews, highlighting its exceptional customer service. Clients frequently commend the team's responsiveness and willingness to go the extra mile. While the company is well-regarded, its smaller review base compared to others leaves some room for growth. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is outstanding customer support. It serves Memphis, TN, with $400 to $800 in fees pricing, and the honest trade-offs are smaller review base than competitors.
The Wendy Thompson Lending Team holds a strong 4.9-star rating from 239 reviews. Clients appreciate the team’s expertise and personalized approach to mortgage solutions. However, some customers have reported longer wait times for responses, especially during busier months. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is personalized mortgage solutions. It serves Memphis, TN, with $300 to $700 in fees pricing, and the honest trade-offs are longer response times during busy periods.
New American Funding has earned a 5-star rating from 113 reviews, with many clients noting the smooth application process and knowledgeable staff. While it is a reliable choice, the lower review count compared to other top brokers may indicate less experience in the local market. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is smooth mortgage applications. It serves Memphis, TN, with $300 to $600 in fees pricing, and the honest trade-offs are lower review count compared to top competitors.
Ryan Knop maintains a 5-star rating from 112 reviews. Clients appreciate his expertise and personalized service throughout the mortgage process. However, the limited number of reviews suggests a need for further validation of his services from a broader customer base. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is expert mortgage advice. It serves Memphis, TN, with $300 to $700 in fees pricing, and the honest trade-offs are limited review base.
Sara Wong has a solid rating of 5 stars from 88 reviews. Many clients commend her for being thorough and attentive to their needs. However, her smaller review base may not provide a complete picture of her performance over time. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is thorough mortgage guidance. It serves Memphis, TN, with $300 to $600 in fees pricing, and the honest trade-offs are smaller review base.
Kylan Washington holds a 5-star rating from 66 reviews. Clients appreciate his friendly demeanor and clear communication throughout the mortgage process. However, the limited number of reviews may raise questions about his experience in a competitive market. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is friendly mortgage assistance. It serves Memphis, TN, with $300 to $600 in fees pricing, and the honest trade-offs are limited review base.
Mortgage Investors Group has a strong rating of 4.9 stars from 76 reviews, with clients praising its knowledgeable staff and efficient service. While it is a solid option, the smaller review base compared to top contenders may limit its visibility in the market. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is efficient mortgage services. It serves Memphis, TN, with $300 to $600 in fees pricing, and the honest trade-offs are smaller review base compared to top contenders.
Eagle Mortgage & Funding has a rating of 4.4 stars from 50 reviews. Reviewers note its competitive rates and friendly service. However, the lower rating and fewer reviews suggest it may not be as reliable as higher-ranked options. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is competitive mortgage rates. It serves Memphis, TN, with $300 to $600 in fees pricing, and the honest trade-offs are lower rating and fewer reviews.
Selecting the right mortgage broker can significantly impact your home buying experience. Here are key factors to consider when making your choice.
Review Ratings and Feedback
Look for brokers with a high volume of reviews and consistent ratings. A broker with many satisfied clients is likely to provide better service.
Assess Experience and Specialization
Consider brokers who specialize in your specific needs, such as first-time homebuyers or refinancing, to ensure they have the right expertise.
Compare Offers and Fees
Request quotes from multiple brokers. Comparing fees and loan options can help you find the best deal for your financial situation.
What it costs
What mortgage brokers cost in Memphis
The cost of working with a mortgage broker in Memphis can vary widely based on services provided and the complexity of your loan. Here's a breakdown of typical pricing tiers.
Consultation FeesSome brokers may charge a consultation fee ranging from $0 to $300, depending on the services offered.
Origination FeesExpect origination fees to be around 0.5% to 1% of the loan amount, which typically covers processing your loan application.
Commission RatesMost brokers earn a commission of 1% to 2% of the loan amount upon closing, which is often built into the loan.
Additional ServicesFees for additional services (like credit checks or appraisals) can range from $50 to $500, depending on the complexity of your needs.
Frequently asked questions
How much does mortgage brokerage service cost in Memphis?
Costs for mortgage brokerage services in Memphis typically range from $1,000 to $3,000, depending on the complexity of the loan and the broker's fees.
What is the average rating for mortgage brokers in Memphis?
The average rating among the evaluated mortgage brokers in Memphis is approximately 4.6 stars, based on a combined total of 1,382 reviews.
How often is this ranking updated?
We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.
Our verdict
For most Memphis homebuyers: <strong>Jennifer Ballheimer-Mortgage Financial Services</strong>
Based on the ratings and reviews, Jennifer Ballheimer-Mortgage Financial Services is the clear leader with a perfect 5-star rating from 201 reviews. Following closely is Local Mortgage Inc. at 4.9 stars with 302 reviews, showing strong customer satisfaction. Southeast Home Loans also shines with a 5-star rating from 135 reviews, making it an excellent choice for those seeking reliable service. If you prioritize proven performance and extensive feedback, go with Jennifer Ballheimer first, then Local Mortgage Inc. for a second option.
Cityvetted
