CallataGuidesBusiness phone system for mortgage and nonmortgage loan brokers in Arizona
446 mortgage and nonmortgage loan brokers operated in Arizona in 2023. Where they are, how big their teams are, and what phone service costs them.
- Establishments
- 446CBP 2023
- Employees
- 5,789mid-March 2023
- Per 100k residents
- 5.9U.S. 2.9
- State rank
- 4th of 51by count
The mortgage brokerage industry in Arizona
County Business Patterns counts 446 establishments in Arizona classified as Mortgage and Nonmortgage Loan Brokers (NAICS 522310) for 2023. They employed 5,789 people in mid-March and reported $334.6 million in annual payroll. That is the 4th highest count among the 51 states and DC with published figures. Mortgage and nonmortgage loan brokers make up 0.27% of the 162,845 business establishments in the state.
Per 100,000 residents (2024 estimate) Arizona has 5.9 mortgage and nonmortgage loan brokers, 104.3% above the national rate of 2.9. The average establishment has 13.0 employees against 5.6 nationally. Payroll per employee is $57,808, 35.3% below the U.S. figure of $89,382.
| Measure | Arizona | United States |
|---|---|---|
| Establishments | 446 | 9,792 |
| Mid-March employees | 5,789 (moderate noise) | 54,952 |
| Annual payroll | $334,649,000 | $4,911,723,000 |
| Employees per establishment | 13.0 | 5.6 |
| Payroll per employee | $57,808 | $89,382 |
| Establishments per 100,000 residents | 5.9 | 2.9 |
Census County Business Patterns 2023 (mid-March employment; annual payroll). Employees and payroll flagged high-noise are shown but not used in the text. Residents: Census Vintage 2024 estimates.
Arizona's largest markets for mortgage and nonmortgage loan brokers
Census published mortgage brokerage counts for 6 metro or micropolitan areas that include part of Arizona. The largest is Phoenix, AZ, with 401 establishments. Single-state metro and micropolitan areas account for 100% of the statewide total; the rest are outside any published area or in areas Census suppressed.
| Area | Establishments | Employees | Per 100k residents |
|---|---|---|---|
| Phoenix, AZ | 401 | 5,635 | 7.7 |
| Tucson, AZ | 19 | — | 1.8 |
| Prescott Valley, AZ | 13 | — | 5.2 |
| Lake Havasu City, AZ | 5 | — | 2.2 |
| Yuma, AZ | 4 | 26 | 1.8 |
| Flagstaff, AZ | 3 | — | 2.1 |
Source: Census County Business Patterns 2023; population from Census Vintage 2024 estimates.
Team sizes at mortgage and nonmortgage loan brokers in Arizona
82.1% of Arizona's mortgage and nonmortgage loan brokers with employees had fewer than five people in March 2023, compared with 81.5% nationally. 92.5% had fewer than ten. That is the size of team where a missed call usually means nobody was free, not that nobody was on staff.
| Employment size | Establishments | Share | U.S. share |
|---|---|---|---|
| 1–4 employees | 363 | 82.1% | 81.5% |
| 5–9 employees | 46 | 10.4% | 10.6% |
| 10–19 employees | 17 | 3.8% | 4.5% |
| 20–49 employees | 9 | 2.0% | 2.2% |
| 50 or more employees | 7 | 1.6% | 1.2% |
Employment-size classes count establishments by mid-March 2023 employment. Establishments with no March employees are excluded from the size classes, so shares are of establishments with employees. Source: Census County Business Patterns 2023.
Why the phone matters for mortgage and nonmortgage loan brokers in Arizona
Loan brokers live on responsiveness: borrowers call while house hunting, and agents call to check on approvals before offers. Calls missed during a rate-sensitive moment can cost a deal.
A few of the calls that come in to mortgage and nonmortgage loan brokers in Arizona:
- A borrower calls to ask about pre-approval.
- A borrower calls to ask about locking a rate.
- The broker calls a borrower for missing documents.
When nobody can pick up
Buyers and agents often call in the evening while preparing offers, so prompt callbacks matter.
Callata voicemail is transcribed and triaged for urgency, and business-hours routing decides where calls go once you close.
Callata vs. per-seat pricing for mortgage and nonmortgage loan brokers in Arizona
Mortgage and nonmortgage loan brokers in Arizona average 13.0 employees, so the comparison uses a 13-person team. Per-seat business phone plans bill every one of those people. At month-to-month list prices checked September 28, 2026, 13 users on RingCentral RingEX Core cost $390.00 a month and 13 on Ooma Office Pro cost $324.35. On Callata the same 13 people cost $259.00 a month, less than either per-seat plan.
The annual difference against RingCentral's monthly list price comes to $1,572. Some vendors discount annual contracts; the table shows month-to-month prices.
| Provider (plan) | Pricing basis | Per month | Per year |
|---|---|---|---|
| Callata (Callata Office) | $99 incl. 5 users, $20 per extra user | $259.00 | $3,108.00 |
| Quo (Starter) | $19.00 per user | $247.00 | $2,964.00 |
| Nextiva (Core) | $23.00 per user | $299.00 | $3,588.00 |
| Ooma (Office Pro) | $24.95 per user | $324.35 | $3,892.20 |
| Dialpad (Standard) | $27.00 per user | $351.00 | $4,212.00 |
| RingCentral (RingEX Core) | $30.00 per user | $390.00 | $4,680.00 |
Competitor prices are each vendor's published month-to-month list price per user for its lowest plan that includes business calling and texting, checked September 28, 2026: Quo Starter $19, Nextiva Core $23, Ooma Office Pro $24.95 (Essentials excludes texting; one-time $29.95 activation not included), Dialpad Standard $27, RingCentral RingEX Core $30 ($20 billed annually). Prices exclude taxes and fees and may change; annual contracts lower some competitors' prices.
Area codes in Arizona
Arizona has 5 geographic area codes in service according to NANPA. You can choose local numbers in the area codes your borrowers know, subject to carrier inventory, or port your current number for free.
| Area code | Exchanges | Time zone | In service since | Overlay with |
|---|---|---|---|---|
| 480 | 783 | Mountain | 1999 | 602, 623 |
| 602 | 748 | Mountain | 1947 | 480, 623 |
| 520 | 694 | Mountain | 1995 | none |
| 928 | 633 | Mountain | 2001 | none |
| 623 | 312 | Mountain | 1999 | 480, 602 |
Exchanges are NANPA-assigned central office codes (NPA-NXX) in the rate centers matched to the area's named places. Source: NANPA utilized code and NPA reports.
How Callata works for mortgage and nonmortgage loan brokers in Arizona
Callata is a business phone system priced at $99 a month with 5 users included, then $20 per additional user. Callata Office includes up to 3 local business numbers, unlimited inbound calling, 1,500 pooled outbound US and Canada minutes per user each month, a browser softphone that can also ring your cell, voicemail with transcription, call recording with AI summaries, business-hours routing and E911 on every number.
If you already have a number in Arizona, porting it to Callata is free. Texting from a local number requires a one-time carrier registration (10DLC, $49), and the numbers available in any area code depend on carrier inventory when you choose them.
Optional AI agents (receptionist, sales, support or scheduler) can answer calls after hours or when nobody picks up, take messages, text, email and transfer to your team. They are billed from prepaid AI minutes at $0.25 per minute, identify themselves as AI, and may only place outbound calls to people who consented, between 8am and 9pm.
Marketing calls and texts require consent, and financial details should not be sent by text.
Frequently asked questions
How many mortgage and nonmortgage loan brokers are in Arizona?
446 in 2023, according to Census County Business Patterns. They employed 5,789 people in mid-March.
Which Arizona metro area has the most mortgage and nonmortgage loan brokers?
Phoenix, AZ, with 401 establishments in 2023.
What does a phone system cost a 13-person mortgage brokerage?
$390.00 a month on RingCentral RingEX Core or $324.35 on Ooma Office Pro at month-to-month list prices (checked September 28, 2026); $259.00 on Callata ($99 a month with 5 users included, then $20 per additional user).
Do I need to register to text customers from a Arizona number?
Yes. US carriers require business texting from local numbers to be registered (10DLC). On Callata the registration is a one-time $49 fee, and texting turns on once it is approved.