Pricing Guide · Tempe
Mortgage Brokers Cost in Tempe, AZ — 2026 Price Guide
What should you pay for mortgage brokers in Tempe? See real 2026 price ranges from local pros and get free quotes to compare.
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
Get Free Quotes
We'll connect you with the top mortgage brokers in Tempe, AZ.
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: May 17, 2026.
More Home Services in Tempe
Related Searches
More ways to find mortgage brokers in Tempe
Mortgage Brokers in nearby cities