Top Picks · Tempe
Best Mortgage Brokers in Tempe, AZ
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 14 mortgage brokers in Tempe, AZ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is The Sandell Team - NFM Lending with a 4.9-star rating from 1,077 Google reviews and an RNM Score of 87/100. Also in the top tier: 1st Rate Home Mortgage, Inc and Brendan Bracken, Licensed Loan Officer, NMLS #247272. The average rating across all listed mortgage brokers in Tempe is 4.9 stars from 180 reviews per business on average.
Mortgage brokers in Tempe: 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
Bright Mortgage
Bright Mortgage stands out for its consistent top rankings and strong reputation among Tempe homebuyers.
Most Reviewed
Misty Crockett - Mortgage Loan officer - Mortgages by Misty
A high number of reviews indicates proven client satisfaction and trust built over many transactions.
Always compare rates, fees, and responsiveness from multiple brokers. Check recent reviews and ask for personalized loan scenarios before committing.
Local Market Snapshot
14
Businesses listed
4.9★
Avg rating
180
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
4.9-star rating from over 1,000 Google reviews in Tempe.
58 S River Dr #330, Tempe, AZ 85288, USATempe mortgage broker with a perfect 5.0-star rating from over 300 Google reviews.
1400 E Southern Ave, Tempe, AZ 85282, USABoasts a perfect 5.0-star rating from over 200 Google reviews in Tempe.
2055 E Centennial Cir, Tempe, AZ 85284, USAMortgage Brokers Rankings in Tempe, AZ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Sandell Team - NFM Lending58 S River Dr #330, Tempe, AZ 85288, USA | 4.9★ | 1,077 |
| #2 | 1st Rate Home Mortgage, Inc1400 E Southern Ave, Tempe, AZ 85282, USA | 5.0★ | 318 |
| #3 | Brendan Bracken, Licensed Loan Officer, NMLS #2472722055 E Centennial Cir, Tempe, AZ 85284, USA | 5.0★ | 214 |
| #4 | Misty Crockett - Mortgage Loan officer - Mortgages by Misty4625 S Lakeshore Dr #420, Tempe, AZ 85282, USA | 5.0★ | 40 |
| #5 | Arrow Mortgage LLC1430 N Sunset Dr, Tempe, AZ 85288, USA | 5.0★ | 19 |
| #6 | DocApply Mortgage Brokerage405 W Southern Ave Suite 119D, Tempe, AZ 85282, USA | 4.8★ | 16 |
| #7 | The Golembiewski Team at Peoples Mortgage2055 E Centennial Cir, Tempe, AZ 85284, USA | 5.0★ | 109 |
| #8 | Legacy Lending USA4500 S Lakeshore Dr #205, Tempe, AZ 85282, USA | 5.0★ | 200 |
| #9 | Bright Mortgage1921 E Calle De Arcos, Tempe, AZ 85284, USA | 5.0★ | 121 |
| #10 | Mike Hengy Level Up Mortgage1847 E Calle De Caballos, Tempe, AZ 85284, USA | 5.0★ | 120 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Tempe
Rated 5.0 stars from 40 Google reviews, this Tempe mortgage broker is highly trusted.
4625 S Lakeshore Dr #420, Tempe, AZ 85282, USA
Tempe mortgage broker with 5.0 stars from 19 glowing Google reviews.
1430 N Sunset Dr, Tempe, AZ 85288, USA
4.8-star rating from 16 reviews highlights trusted local mortgage guidance.
405 W Southern Ave Suite 119D, Tempe, AZ 85282, USA
Rated 5.0 stars from over 100 Google reviews, this Tempe mortgage broker is highly trusted.
2055 E Centennial Cir, Tempe, AZ 85284, USA
Top-rated Tempe mortgage broker with a perfect 5.0★ rating from 200 reviews.
4500 S Lakeshore Dr #205, Tempe, AZ 85282, USA
Boasts a perfect 5.0-star rating from over 120 Google reviews in Tempe.
1921 E Calle De Arcos, Tempe, AZ 85284, USA
Top-rated Tempe mortgage broker with a perfect 5.0★ rating from over 120 reviews.
1847 E Calle De Caballos, Tempe, AZ 85284, USA
Top-rated Tempe mortgage broker with a perfect 5.0 stars from 84 reviews.
1250 E Baseline Rd Suite 104, Tempe, AZ 85283, USA
5.0-star rating from 73 Google reviews shows trusted local service.
6515 S Rural Rd Suite 104, Tempe, AZ 85283, USA
4.2 stars from 71 reviews, indicating consistent, reliable mortgage service in Tempe.
2055 E Centennial Cir, Tempe, AZ 85284, USA
Tempe mortgage broker with a 4.8-star rating based on 59 Google reviews.
1343 E University Dr, Tempe, AZ 85288, USA
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Mortgage Brokers in Tempe, AZ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | The Sandell Team - NFM Lending | 87/100 | 4.9 ★ | 1,077 |
| 2 | 1st Rate Home Mortgage, Inc | 88/100 | 5.0 ★ | 318 |
| 3 | Brendan Bracken, Licensed Loan Officer, NMLS #247272 | 87/100 | 5.0 ★ | 214 |
| 4 | Misty Crockett - Mortgage Loan officer - Mortgages by Misty | 78/100 | 5.0 ★ | 40 |
| 5 | Arrow Mortgage LLC | 75/100 | 5.0 ★ | 19 |
| 6 | DocApply Mortgage Brokerage | 70/100 | 4.8 ★ | 16 |
| 7 | The Golembiewski Team at Peoples Mortgage | 84/100 | 5.0 ★ | 109 |
| 8 | Legacy Lending USA | 87/100 | 5.0 ★ | 200 |
| 9 | Bright Mortgage | 84/100 | 5.0 ★ | 121 |
| 10 | Mike Hengy Level Up Mortgage | 84/100 | 5.0 ★ | 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 Tempe
What does a mortgage broker do differently than going directly to a bank in Tempe?
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 Tempe?
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 AZ?
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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