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Mortgage Brokers · Flagstaff, AZ/Updated June 13, 2026

The 10 Best Mortgage Brokers in Flagstaff, AZ

Flagstaff's competitive mortgage market features a blend of established firms and emerging lenders ready to assist you in your home-buying journey.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceTylan Mortgage
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Flagstaff-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

In Flagstaff, the mortgage broker landscape is both competitive and diverse. With ten providers evaluated, you'll find a mix of well-reviewed leaders and smaller shops. This city’s unique blend of outdoor appeal and college-town vibe makes securing a mortgage here essential for both new residents and long-time locals looking to refinance or purchase homes.

We’ve ranked the best mortgage brokers based on their Vetted Scores, which reflect real customer experiences. By analyzing customer reviews and ratings, we present a reliable guide to help you choose the right broker for your needs.

10mortgage brokers evaluated in Flagstaff
4.99average rating across the field
715customer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in Flagstaff? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Tylan Mortgage

★★★★★5.0(151 reviews)

With a perfect rating of 5 stars from 151 reviews, Tylan Mortgage is a clear leader in Flagstaff.

Read full review
Most Reviewed
95Score

PrimeLending, A PlainsCapital Company - Flagstaff holds a 5-star rating from 122 reviews.

Read full review
Best for Personalized Attention
94Score

Kyle Kent - Licensed Mortgage Loan Officer

★★★★★5.0(101 reviews)

Kyle Kent has a perfect 5-star rating based on 101 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
Tylan Mortgage
Tylan Mortgage
Editor's Choice
96Score
5.0★★★★★
151First-time homebuyers
2
95Score
5.0★★★★★
122Streamlined mortgage processes
3
Kyle Kent - Licensed Mortgage Loan Officer
Kyle Kent - Licensed Mortgage Loan Officer
Best for Personalized Attention
94Score
5.0★★★★★
101Personalized attention
4
91Score
5.0★★★★★
79Guidance in mortgage options
5
90Score
5.0★★★★★
76Quick loan closings
6
89Score
4.9★★★★★
102Competitive mortgage rates
7
87Score
5.0★★★★★
57Clear guidance
8
85Score
5.0★★★★★
21Personalized mortgage service
9
82Score
5.0★★★★★
5Local expertise
10
78Score
5.0★★★★★
1Potentially positive experience
Methodology

How we evaluated all 10 mortgage brokers.

To create this ranking, we evaluated ten mortgage brokers in Flagstaff, taking into account their ratings and the number of reviews. Each broker's performance was assessed based on feedback from actual clients, ensuring an unbiased approach. No business pays for placement in our rankings, guaranteeing that you receive a transparent overview.

We refresh our rankings monthly, keeping the information current and relevant. This means you can trust our evaluations to reflect the latest trends and customer sentiments in the Flagstaff mortgage market.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Tylan Mortgage

★★★★★5.0(151 reviews)
96Score

With a perfect rating of 5 stars from 151 reviews, Tylan Mortgage is a clear leader in Flagstaff. Clients appreciate their personalized service and quick responses, making them ideal for first-time homebuyers. However, their popularity may lead to busier schedules, so early contact is recommended. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is first-time homebuyers. It serves Flagstaff, AZ, with $1,500 to $3,000 pricing, and the honest trade-offs are busy schedules due to popularity.

Pros

  • Personalized service
  • Quick response times
  • Expertise in first-time homebuying

Cons

  • Busy schedules due to popularity
Best forFirst-time homebuyers
Service areaFlagstaff, AZ
Typical pricing$1,500 to $3,000
2
Most Reviewed

PrimeLending, A PlainsCapital Company - Flagstaff

★★★★★5.0(122 reviews)
95Score

PrimeLending, A PlainsCapital Company - Flagstaff holds a 5-star rating from 122 reviews. Customers commend their efficient processes and friendly staff. This lender excels in providing a smooth mortgage experience, but some clients noted potential fees that could be higher than expected. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is streamlined mortgage processes. It serves Flagstaff, AZ, with $1,500 to $3,500 pricing, and the honest trade-offs are potentially higher fees.

Pros

  • Efficient processes
  • Friendly staff
  • Smooth mortgage experience

Cons

  • Potentially higher fees
Best forStreamlined mortgage processes
Service areaFlagstaff, AZ
Typical pricing$1,500 to $3,500
3
Best for Personalized Attention

Kyle Kent - Licensed Mortgage Loan Officer

★★★★★5.0(101 reviews)
94Score

Kyle Kent has a perfect 5-star rating based on 101 reviews. Clients rave about his attentive service and ability to simplify the mortgage process. He is particularly suited for those who value a hands-on approach. However, his availability may vary, so booking in advance is wise. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personalized attention. It serves Flagstaff, AZ, with $1,200 to $3,200 pricing, and the honest trade-offs are availability may vary.

Pros

  • Attentive service
  • Simplifies mortgage process
  • Hands-on approach

Cons

  • Availability may vary
Best forPersonalized attention
Service areaFlagstaff, AZ
Typical pricing$1,200 to $3,200
4

Shyann Eckel Mortgage Lender

★★★★★5.0(79 reviews)
91Score

Shyann Eckel Mortgage Lender has a solid 5-star rating from 79 reviews. Customers appreciate her knowledge and dedication to finding the best rates. She's a great option for those needing guidance, but her limited reviews suggest a less established track record. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is guidance in mortgage options. It serves Flagstaff, AZ, with $1,200 to $3,000 pricing, and the honest trade-offs are limited reviews.

Pros

  • Knowledgeable
  • Dedicated to finding best rates

Cons

  • Limited reviews
Best forGuidance in mortgage options
Service areaFlagstaff, AZ
Typical pricing$1,200 to $3,000
5

Benchmark Mortgage - The Hallows Team

★★★★★5.0(76 reviews)
90Score

Benchmark Mortgage - The Hallows Team holds a 5-star rating with 76 reviews. Clients highlight their professionalism and speed in closing loans. They are ideal for quick closings, but some clients mentioned communication could be improved during the process. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is quick loan closings. It serves Flagstaff, AZ, with $1,500 to $3,200 pricing, and the honest trade-offs are communication could be improved.

Pros

  • Professionalism
  • Speed in closing loans

Cons

  • Communication could be improved
Best forQuick loan closings
Service areaFlagstaff, AZ
Typical pricing$1,500 to $3,200
6

Guild Mortgage Company

★★★★★4.9(102 reviews)
89Score

Guild Mortgage Company has a strong 4.9-star rating from 102 reviews. Reviewers appreciate their competitive rates and knowledgeable staff. They are a solid choice for those looking for good rates, but some customers reported longer wait times for responses. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is competitive mortgage rates. It serves Flagstaff, AZ, with $1,500 to $3,500 pricing, and the honest trade-offs are longer wait times for responses.

Pros

  • Competitive rates
  • Knowledgeable staff

Cons

  • Longer wait times for responses
Best forCompetitive mortgage rates
Service areaFlagstaff, AZ
Typical pricing$1,500 to $3,500
7

Kristen Smith

★★★★★5.0(57 reviews)
87Score

Kristen Smith has a 5-star rating based on 57 reviews. Customers frequently mention her responsiveness and clarity in communication. She is ideal for those who value clear guidance, but her lower review count suggests she is still building her reputation. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is clear guidance. It serves Flagstaff, AZ, with $1,200 to $3,000 pricing, and the honest trade-offs are lower review count.

Pros

  • Responsive
  • Clear communication

Cons

  • Lower review count
Best forClear guidance
Service areaFlagstaff, AZ
Typical pricing$1,200 to $3,000
8

Kim Dawson - NOVA Home Loans

★★★★★5.0(21 reviews)
85Score

Kim Dawson - NOVA Home Loans has a perfect 5-star rating from 21 reviews. Clients appreciate her dedication to finding the right fit for their needs. While she is known for her personalized service, her limited number of reviews makes her a less proven option. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized mortgage service. It serves Flagstaff, AZ, with $1,200 to $3,000 pricing, and the honest trade-offs are limited number of reviews.

Pros

  • Dedicated service
  • Personalized approach

Cons

  • Limited number of reviews
Best forPersonalized mortgage service
Service areaFlagstaff, AZ
Typical pricing$1,200 to $3,000
9

Mountain Country Mortgage

★★★★★5.0(5 reviews)
82Score

Mountain Country Mortgage has a 5-star rating from 5 reviews. Clients appreciate the friendly service and local expertise. However, with such a thin review base, they remain promising but unproven for larger transactions. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is local expertise. It serves Flagstaff, AZ, with $1,000 to $2,500 pricing, and the honest trade-offs are thin review base.

Pros

  • Friendly service
  • Local expertise

Cons

  • Thin review base
Best forLocal expertise
Service areaFlagstaff, AZ
Typical pricing$1,000 to $2,500
10

Kelly Gibson - Peoples Mortgage Co

★★★★★5.0(1 reviews)
78Score

Kelly Gibson - Peoples Mortgage Co has a perfect 5-star rating but only 1 review. While the feedback is positive, the lack of additional reviews makes it hard to gauge the overall experience. This makes her a high-risk choice for clients looking for a reliable mortgage broker. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is potentially positive experience. It serves Flagstaff, AZ, with $1,000 to $2,500 pricing, and the honest trade-offs are only 1 review.

Pros

  • Positive feedback

Cons

  • Only 1 review
Best forPotentially positive experience
Service areaFlagstaff, AZ
Typical pricing$1,000 to $2,500
Before you book

How to choose a mortgage broker in Flagstaff

Selecting a mortgage broker in Flagstaff involves understanding local needs and logistics. Here are key factors to consider:

Service Area

Ensure the broker operates in your desired neighborhood. Some brokers specialize in certain areas, which can affect their familiarity with local markets.

Response Time

In a competitive market, prompt communication can make a difference. Look for brokers who respond quickly to inquiries and provide timely updates.

State Licensing

Verify that the broker is licensed in Arizona. This ensures they comply with state regulations and are qualified to assist you.

What it costs

What mortgage brokers cost in Flagstaff

The cost of mortgage brokerage services in Flagstaff can vary significantly based on the complexity of your loan and the broker’s fees. Here’s what you can expect:

Application Fee$300 to $600, typically charged upfront to process your application.
Broker Fee1% to 2% of the loan amount, which is often negotiable depending on the broker and loan terms.
Closing Costs$2,000 to $5,000, covering various expenses associated with finalizing your mortgage.
Rate Lock FeeVaries, but may range from $0 to $1,000, depending on how long you wish to lock in your interest rate.

Frequently asked questions

How much does a mortgage broker cost in Flagstaff?

Mortgage brokers in Flagstaff typically charge a commission that ranges from 0.5% to 2.75% of the loan amount, depending on the broker and the services provided.

What are the best mortgage options available in Flagstaff?

The best mortgage options depend on your financial situation and goals, but popular choices include conventional loans, FHA loans, and VA loans, which many brokers in Flagstaff can help you navigate.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Flagstaff homebuyers: <strong>Tylan Mortgage</strong>

If you seek a reliable and proven option, Tylan Mortgage is your best bet. With a perfect score of 5 stars from 151 reviews, they excel in customer service and loan options.

For those looking for a strong alternative, PrimeLending, A PlainsCapital Company - Flagstaff is also a great choice, boasting the same 5-star rating from 122 reviews. They are ideal for homebuyers who appreciate a supportive lending experience.

Lastly, if you prefer a personal touch, Kyle Kent - Licensed Mortgage Loan Officer offers tailored services with 5 stars from 101 reviews. He is perfect for clients who want individualized attention throughout the mortgage process.