10+ Years · Tempe
Experienced Mortgage Brokers in Tempe, AZ
Experience matters. These mortgage brokers in Tempe have years of proven work behind them — and the reviews to back it up.
As of August 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 August 24, 2026 · RNM Score = 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
Aug 24, 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 August 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
Get Free Quotes
We'll connect you with the top mortgage brokers in Tempe, AZ.
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%) · August 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Tempe to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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: August 24, 2026.
More Home Services in Tempe
Related Searches
More ways to find mortgage brokers in Tempe
Mortgage Brokers in nearby cities