Mortgage Broker in Memphis - Tennessee Company Directory

June 14, 2026

Unlike an online application that routes a borrower into a single lender’s product menu, a Memphis mortgage broker works with multiple wholesale lenders and shops a loan file across several of them, which can matter in a market where rate and program differences move a monthly payment meaningfully. A broker can also sit down with a buyer to walk through credit, down payment, and documentation questions face to face, an advantage for first-time buyers and self-employed borrowers whose files do not fit a simple template. Memphis is Tennessee’s second-largest city, with a population of roughly 619,000 as of 2024 (U.S. Census Bureau), and its mix of established neighborhoods, a sizable rental-to-ownership pipeline, and proximity to the Mississippi and Arkansas state lines keeps the local purchase and refinance market active year round.

The distinction between a broker, a lender, and a servicer matters when choosing where to apply. A mortgage broker arranges financing between a borrower and a wholesale lender but does not fund the loan with its own money; a mortgage lender underwrites and funds directly; and a servicer collects payments after closing. Many companies in Memphis operate as more than one of these at once, and the regulatory framework treats each activity as a distinct licensed function. Borrowers comparing offers should ask which role a given company is playing on their specific loan, because that affects who sets the rate, who underwrites the file, and who they will pay each month.

In Tennessee, mortgage brokers, lenders, and servicers are licensed by the Tennessee Department of Financial Institutions (TDFI) under the Tennessee Residential Lending, Brokerage and Servicing Act. Individual mortgage loan originators must be registered in the Nationwide Multistate Licensing System (NMLS) and meet the federal SAFE Act requirements, which include pre-licensing education, passing a national exam, a background check, and annual continuing education. Each licensed originator carries a unique NMLS identification number, and that number, along with the company’s license, can be confirmed before signing anything. Because Memphis sits at a tri-state corner, some companies serving the city are also licensed in Mississippi and Arkansas; a borrower should confirm that a given company holds the proper Tennessee license for a Tennessee property.

Before working with any mortgage professional in Memphis, consumers can verify a company’s or originator’s license and view any disciplinary history through NMLS Consumer Access, the free public lookup tool operated through the NMLS. Complaints about a mortgage broker, lender, or servicer can be directed to TDFI, and complaints about deceptive or unfair practices more broadly fall under the Tennessee Consumer Protection Act (TCA 47-18-104), enforced by the Tennessee Division of Consumer Affairs. Borrowers should also read the Loan Estimate and Closing Disclosure that federal rules require lenders to provide, compare the annual percentage rate and total fees rather than the headline interest rate alone, and keep copies of every signed document. The mortgage products available in Memphis generally include conventional, FHA, VA, and USDA loans, jumbo financing for higher loan amounts, and first-time buyer and down payment assistance programs.

Top Mortgage Broker Providers in Memphis

1. CrossCountry Mortgage, LLC (Memphis Branch)

Address: 6263 Poplar Ave, Suite 430, Memphis, TN 38119
Phone: (901) 443-9121
Website: https://crosscountrymortgage.com/memphis-tn-2810/
Services: purchase loans, refinancing, home equity mortgages, down payment assistance programs
Description: CrossCountry Mortgage operates a Memphis branch (Branch NMLS #1973132) on Poplar Avenue in East Memphis, led by Regional Manager and Senior Loan Officer Tim Smith (NMLS #104578) with Loan Officer Jonathan Salinas (NMLS #2451140). The branch focuses on purchase and refinance financing along with home equity and down payment assistance programs, and it keeps weekday business hours from 8:00 a.m. to 5:00 p.m. CrossCountry is a national mortgage company with a local Memphis team, giving borrowers access to a broad lender platform while working with originators based in the city.

2. Mortgage Financial Services, LLC

Address: 1582 Poplar Ave, Memphis, TN 38104
Phone: (901) 428-5955
Website: https://rknop.mortgagefinancial.com
Services: conventional, FHA, VA, USDA, jumbo, refinancing, specialty programs, down payment assistance
Description: Mortgage Financial Services maintains a Memphis office on Poplar Avenue near Midtown, carrying company NMLS #43021. The local team includes Residential Mortgage Loan Originator Ryan Knop (NMLS #1767554), who has been helping homebuyers since 2018. The company offers a full range of mortgage solutions including conventional, FHA, VA, USDA, and jumbo loans, refinancing, and down payment assistance, and its originators serve the Memphis market along with Little Rock, Arkansas. Borrowers should confirm the specific programs and current licensing for their property before applying.

3. Stockton Mortgage Corporation (Memphis Branch)

Address: 6750 Poplar Avenue, Suite 118, Memphis, TN 38183
Phone: (901) 431-6010
Website: https://stockton.com/locations/memphis/
Services: purchase loans, refinancing, VA loans, FHA 203k and renovation loans, low and no down payment programs
Description: Stockton Mortgage operates a Memphis branch on Poplar Avenue (Branch NMLS #2356721) under company NMLS #8259. The branch team includes Regional Vice President Kyle Porter, Area Manager Kacey Kidd, and several mortgage loan originators including Alton Criswell, Toni Gatlin, Marina Guzman, Charlotte Loines, and Denise Coles. The office offers a range of home loan options including some low and no down payment programs, VA mortgages, and 203k renovation loans for buyers purchasing homes that need work, along with refinancing. Stockton Mortgage is headquartered in Frankfort, Kentucky, and serves the Memphis area through its local branch staff.

Frequently Asked Questions About Mortgage Broker in Memphis

Q: Who licenses mortgage brokers in Memphis, Tennessee?

Mortgage brokers, lenders, and servicers operating in Tennessee are licensed by the Tennessee Department of Financial Institutions (TDFI) under the Tennessee Residential Lending, Brokerage and Servicing Act. In addition, every individual mortgage loan originator must be registered in the Nationwide Multistate Licensing System (NMLS) and meet the federal SAFE Act requirements, which include education, a national exam, a background check, and annual continuing education.

Q: How do I verify a Memphis mortgage broker’s license?

You can verify a company’s or an individual originator’s license and view any disciplinary history through NMLS Consumer Access, the free public lookup tool operated through the NMLS. Ask the loan officer for their NMLS identification number, then confirm both the person and the company in that system before signing any application or disclosure.

Q: Does a Memphis lender need a Tennessee license if it is based in Mississippi or Arkansas?

Yes. Because Memphis sits at the corner of Tennessee, Mississippi, and Arkansas, some companies serving the city are licensed in more than one state. For a loan on a Tennessee property, the company and the originator must hold the proper Tennessee license under the Tennessee Residential Lending, Brokerage and Servicing Act, which you can confirm through NMLS Consumer Access.

Q: What types of mortgage loans are available in Memphis?

Most Memphis brokers and lenders offer conventional loans, government-backed FHA, VA, and USDA loans, and jumbo financing for higher loan amounts. Many also offer first-time buyer programs, down payment assistance, renovation loans such as the FHA 203k, and refinance options. Some originators also offer low and no down payment programs for eligible buyers.

Q: What is the difference between a mortgage broker and a lender?

A mortgage broker arranges financing between you and a wholesale lender but does not fund the loan with its own money, while a lender underwrites and funds the loan directly. A servicer is the company that collects your payments after closing. Many Memphis companies perform more than one of these roles, so it is worth asking which role a given firm is playing on your specific loan.

Q: How do I compare mortgage offers in Memphis?

Federal rules require lenders to give you a Loan Estimate after you apply and a Closing Disclosure before closing. Compare the annual percentage rate (APR) and the total of all fees across offers rather than the headline interest rate alone, and make sure you are comparing the same loan type and term. Keep copies of every signed document for your records.

Q: How do I file a complaint about a Memphis mortgage broker?

Complaints about a licensed mortgage broker, lender, or servicer can be filed with the Tennessee Department of Financial Institutions (TDFI). Complaints involving deceptive or unfair business practices more broadly fall under the Tennessee Consumer Protection Act (TCA 47-18-104), enforced by the Tennessee Division of Consumer Affairs. Keep your loan documents, disclosures, and any correspondence to support a complaint.