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

The 9 Best Mortgage Brokers in Tempe, AZ

Navigating the Tempe mortgage market can be complex. Here’s how to find the right broker for your needs.

Editorially independent9 companies evaluated
cover story
★ Editor's Choice1st Rate Home Mortgage, Inc
96Score
Latest update · June 13, 2026: Initial ranking published. 9 Tempe-metro mortgage brokers businesses evaluated, top 9 ranked by Vetted Score.

Tempe's mortgage market is competitive, with a blend of established firms and promising smaller shops. With 1,233 combined reviews across nine evaluated providers, you have plenty of options to find the right fit for your lending needs.

The top-ranked mortgage brokers in this city excel in customer service, responsiveness, and local knowledge. Each business on our list has been vetted for quality, ensuring you can make an informed choice without the worry of hidden agendas.

9mortgage brokers evaluated in Tempe
4.98average rating across the field
1.2Kcustomer reviews analyzed

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

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

Our top picks

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

1st Rate Home Mortgage, Inc

★★★★★5.0(327 reviews)

With a perfect 5-star rating from 327 reviews, 1st Rate Home Mortgage, Inc is a standout choice for homebuyers in Tempe.

Read full review
Best Value
95Score

Legacy Lending USA

★★★★★5.0(231 reviews)

Legacy Lending USA also holds a 5-star rating, backed by 231 reviews.

Read full review
Most Reviewed
94Score

Brendan Bracken, a licensed loan officer, has garnered a 5-star rating from 227 reviews.

Read full review

All 9, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
327First-time homebuyers
2
95Score
5.0★★★★★
231Value seekers
3
94Score
5.0★★★★★
227Guidance through the mortgage process
4
90Score
5.0★★★★★
128Hassle-free mortgage applications
5
89Score
5.0★★★★★
124Fast mortgage approvals
6
88Score
5.0★★★★★
81Diverse financing options
7
85Score
5.0★★★★★
40Personalized mortgage solutions
8
82Score
4.8★★★★★
61Reliable mortgage services
9
78Score
5.0★★★★★
14Personalized mortgage service
Methodology

How we evaluated all 9 mortgage brokers.

We evaluated the mortgage brokers based on their customer ratings, review counts, and overall service quality. Each business was independently assessed, and no one pays for placement in our rankings.

This list is refreshed monthly, ensuring up-to-date information on the best mortgage brokers in Tempe. Our goal is to provide a transparent view of local options, so you can trust the choices presented here.

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

1st Rate Home Mortgage, Inc

★★★★★5.0(327 reviews)
96Score

With a perfect 5-star rating from 327 reviews, 1st Rate Home Mortgage, Inc is a standout choice for homebuyers in Tempe. Clients praise their exceptional customer service and competitive rates, making them ideal for first-time buyers looking for guidance. However, wait times can occasionally be longer during peak seasons. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is first-time homebuyers. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are potentially longer wait times and limited office hours.

Pros

  • Excellent customer service
  • Competitive rates
  • Wide range of mortgage options

Cons

  • Potentially longer wait times
  • Limited office hours
Best forFirst-time homebuyers
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
2
Best Value

Legacy Lending USA

★★★★★5.0(231 reviews)
95Score

Legacy Lending USA also holds a 5-star rating, backed by 231 reviews. Clients appreciate their transparency and quick turnaround times, making them a great option for those seeking value without sacrificing service. However, some users noted that personalized service can vary based on the loan officer. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is value seekers. It serves Tempe, AZ, with $250 to $550 in closing costs pricing, and the honest trade-offs are variable personalized service and limited branch locations.

Pros

  • Transparent pricing
  • Quick processing times
  • Good communication

Cons

  • Variable personalized service
  • Limited branch locations
Best forValue seekers
Service areaTempe, AZ
Typical pricing$250 to $550 in closing costs
3
Most Reviewed

Brendan Bracken, Licensed Loan Officer, NMLS #247272

★★★★★5.0(227 reviews)
94Score

Brendan Bracken, a licensed loan officer, has garnered a 5-star rating from 227 reviews. Customers often commend his personalized approach and thorough explanations throughout the mortgage process, making him a solid choice for those needing guidance. However, his availability can be limited due to high demand. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is guidance through the mortgage process. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are limited availability and may require appointments in advance.

Pros

  • Personalized service
  • Thorough explanations
  • Responsive communication

Cons

  • Limited availability
  • May require appointments in advance
Best forGuidance through the mortgage process
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
4

Bright Mortgage

★★★★★5.0(128 reviews)
90Score

Bright Mortgage has a solid 5-star rating from 128 reviews. Clients often highlight their friendly staff and straightforward application process, making it a good option for those seeking a hassle-free experience. However, some clients reported occasional delays in processing times that could be frustrating. 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 hassle-free mortgage applications. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are occasional processing delays and limited loan options.

Pros

  • Friendly staff
  • Straightforward application process
  • Good communication

Cons

  • Occasional processing delays
  • Limited loan options
Best forHassle-free mortgage applications
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
5

Mike Hengy Level Up Mortgage

★★★★★5.0(124 reviews)
89Score

With a 5-star rating from 124 reviews, Mike Hengy at Level Up Mortgage is known for his dedication to client satisfaction and quick approvals. Customers appreciate his knowledge of various loan products. However, his smaller team may lead to longer response times during busy periods. 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 fast mortgage approvals. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are longer response times and smaller team.

Pros

  • Dedicated service
  • Quick approvals
  • Knowledgeable staff

Cons

  • Longer response times
  • Smaller team
Best forFast mortgage approvals
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
6

Galaxy Lending Group, LLC - nmls 142766

★★★★★5.0(81 reviews)
88Score

Galaxy Lending Group, LLC has a 5-star rating from 81 reviews. Clients praise their array of mortgage options and helpful staff, making them a good choice for diverse financing needs. However, their smaller review base leaves some uncertainty about consistency in service. 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 diverse financing options. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are smaller review base and inconsistent service experiences.

Pros

  • Variety of mortgage options
  • Helpful staff
  • Flexible terms

Cons

  • Smaller review base
  • Inconsistent service experiences
Best forDiverse financing options
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs

Misty Crockett, with a 5-star rating from 40 reviews, is recognized for her personalized approach and commitment to finding the right mortgage solutions. Clients appreciate her responsiveness and willingness to answer questions. However, the limited number of reviews suggests a less established track record. 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 personalized mortgage solutions. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are limited review base and less established track record.

Pros

  • Personalized service
  • Responsive communication
  • Dedicated support

Cons

  • Limited review base
  • Less established track record
Best forPersonalized mortgage solutions
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
8

Spartan Lending, LLC

★★★★★4.8(61 reviews)
82Score

Spartan Lending, LLC has an impressive 4.8-star rating from 61 reviews. Customers frequently commend their knowledgeable staff and transparent processes, making them a reliable choice for obtaining a mortgage. However, some clients have reported a lack of follow-up communication, which could be improved. 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 reliable mortgage services. It serves Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are lack of follow-up communication and limited loan products.

Pros

  • Knowledgeable staff
  • Transparent processes
  • Good customer service

Cons

  • Lack of follow-up communication
  • Limited loan products
Best forReliable mortgage services
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
9
78Score

Xavier Alcala has a 5-star rating from 14 reviews. He is praised for his attentive service and willingness to work with clients on personalized mortgage solutions. However, the small number of reviews raises questions about his overall experience and consistency. 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 Tempe, AZ, with $300 to $600 in closing costs pricing, and the honest trade-offs are small review base and limited experience.

Pros

  • Attentive service
  • Willingness to personalize solutions
  • Good communication

Cons

  • Small review base
  • Limited experience
Best forPersonalized mortgage service
Service areaTempe, AZ
Typical pricing$300 to $600 in closing costs
Before you book

How to choose a mortgage broker in Tempe

Selecting a mortgage broker is a critical step in your home-buying journey. Here are key factors to consider in Tempe.

Check Local Experience

Look for brokers who are familiar with the Tempe market. Local expertise can lead to better options tailored to your needs.

Review Response Times

In a competitive market, quick responses can make a significant difference. Choose brokers known for their prompt communication.

Confirm Licensing and Credentials

Ensure your broker is licensed in Arizona and holds the necessary credentials to assist you effectively.

What it costs

What mortgage brokers cost in Tempe

Understanding the costs associated with mortgage brokers can help you budget effectively. Here’s a breakdown of typical pricing tiers.

Consultation FeesInitial consultations may range from $0 to $200, depending on the broker and the services provided.
Application FeesExpect application fees to be between $300 and $500, which may include credit checks and processing.
Brokerage FeesBrokerage fees can vary widely, typically ranging from 1% to 2% of the loan amount, paid at closing.
Prepaid CostsBe prepared for prepaid costs like insurance and taxes, which can add another $1,000 to $3,000 to your upfront expenses.

Frequently asked questions

How much does a mortgage broker cost in Tempe?

Most mortgage brokers in Tempe do not charge upfront fees as they earn commissions from lenders. However, you may encounter some costs associated with loan origination fees, which can range from 0.5% to 1% of the loan amount.

What kind of mortgage options are available in Tempe?

In Tempe, you can find a variety of mortgage options including conventional loans, FHA loans, VA loans, and adjustable-rate mortgages. It's best to consult a mortgage broker to determine which option suits your financial situation.

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 Tempe homebuyers: <strong>1st Rate Home Mortgage, Inc</strong>

For homebuyers seeking a reliable and experienced broker, 1st Rate Home Mortgage, Inc is the clear choice. With 327 reviews and a perfect 5-star rating, they excel in customer service and offer a range of mortgage products. If you're looking for personalized service with a strong track record, Legacy Lending USA is also a great option, particularly for first-time buyers. For those who prefer a more hands-on approach with direct communication, Brendan Bracken, Licensed Loan Officer, NMLS #247272 is an excellent pick, especially for clients who value responsiveness and expertise.