Low Cost · Tempe
Cheap Mortgage Brokers in Tempe, AZ — Best Prices
Compare mortgage brokers prices in Tempe to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 14 mortgage brokers in Tempe, AZ by verified customer ratings and review volume. The highest-rated is The Sandell Team - NFM Lending with a 4.9-star rating from 1,077 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
14
Businesses listed
4.9★
Avg rating
180
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
The Sandell Team - NFM Lending
58 S River Dr #330, Tempe, AZ 85288, USA
1st Rate Home Mortgage, Inc
1400 E Southern Ave, Tempe, AZ 85282, USA
Brendan Bracken, Licensed Loan Officer, NMLS #247272
2055 E Centennial Cir, Tempe, AZ 85284, USA
Mortgage 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 | Bright Mortgage1921 E Calle De Arcos, Tempe, AZ 85284, USA | 5.0★ | 121 |
| #5 | AZM Lending1250 E Baseline Rd Suite 104, Tempe, AZ 85283, USA | 5.0★ | 84 |
| #6 | Spartan Lending, LLC1343 E University Dr, Tempe, AZ 85288, USA | 4.8★ | 59 |
| #7 | Peoples Mortgage Company2055 E Centennial Cir, Tempe, AZ 85284, USA | 4.2★ | 71 |
| #8 | Legacy Lending USA4500 S Lakeshore Dr #205, Tempe, AZ 85282, USA | 5.0★ | 200 |
| #9 | The Golembiewski Team at Peoples Mortgage2055 E Centennial Cir, Tempe, AZ 85284, USA | 5.0★ | 109 |
| #10 | Galaxy Lending Group, LLC - nmls 1427666515 S Rural Rd Suite 104, Tempe, AZ 85283, USA | 5.0★ | 73 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Tempe
Bright Mortgage
1921 E Calle De Arcos, Tempe, AZ 85284, USA
AZM Lending
1250 E Baseline Rd Suite 104, Tempe, AZ 85283, USA
Spartan Lending, LLC
1343 E University Dr, Tempe, AZ 85288, USA
Peoples Mortgage Company
2055 E Centennial Cir, Tempe, AZ 85284, USA
Legacy Lending USA
4500 S Lakeshore Dr #205, Tempe, AZ 85282, USA
The Golembiewski Team at Peoples Mortgage
2055 E Centennial Cir, Tempe, AZ 85284, USA
Galaxy Lending Group, LLC - nmls 142766
6515 S Rural Rd Suite 104, Tempe, AZ 85283, USA
Arrow Mortgage LLC
1430 N Sunset Dr, Tempe, AZ 85288, USA
DocApply Mortgage Brokerage
405 W Southern Ave Suite 119D, Tempe, AZ 85282, USA
Mike Hengy Level Up Mortgage
1847 E Calle De Caballos, Tempe, AZ 85284, USA
Misty Crockett - Mortgage Loan officer - Mortgages by Misty
4625 S Lakeshore Dr #420, Tempe, AZ 85282, USA
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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: May 17, 2026.
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