For real estate agents
“Send me the file everyone else passed on.”
Stacey Melton is a mortgage broker in the Phoenix area and Tampa Bay. Here is what she does for your buyer and your deal.
What she does for your buyer
Numbers before they fall in love
Send her the address, the HOA and the taxes. She tells you if the house works before your buyer sees it.
A second look at a stalled file
She reads the actual file and tells you plainly what she sees.
Notes, with your client copied
After the call you get her notes, so nobody is guessing what happens next.
She sees the whole deal
She has been in this business since 2001 and knows the purchase contract well. She strategizes with you from the lending side, so you can see how the loan and the contract fit together.
Closings
UWM named her a Fastest Closer in 2024, across all loan types.
On Scotsman Guide's 2025 list, 98% of her 103 loans in 2024 were home purchases.
Her purchase files have been shown going from submission to clear to close in as few as one day. These are standout examples, not her average.
Built inside real estate offices
From 2003 her desk sat inside a real estate office. An Arizona broker's 2006 web page names her as his lender, in the same office.
Later she ran weekly trainings for agents across seven offices, for three years. She ran the lending for a team ranked #7 in the United States by volume. In 2025 she was one of four speakers on a UWM loan officer panel.
In her words
“Brokers have options.”
Stacey Melton “Who you work with matters.”
Stacey Melton “I am very big on earning the business and not expecting it.”
Stacey Melton
Questions
Have a question that is not here? Call Stacey at (602) 690-2277.
What should I send her first?
The address, the HOA and the taxes. She will tell you if the numbers work before your buyer falls in love with the house.
Can she take over a file another lender stalled?
She can take a second look. Your buyer sends her the file, and she tells you both plainly what she sees. If moving the loan is the right call, she will say so. If staying put is better, she will say that too.
Will she talk to my client directly?
Yes. The consultation is with your buyer. Afterward she sends her notes with your client copied, so you both know what happens next.
Send her the next file.
Call Stacey, or have your buyer book a consultation. The consultation is for your buyer.
Sources
- An Arizona associate broker's own web page, 2006, naming her as his lender
- RealTrends team profile, 2026 list, ranked on 2025 sales volume
- Scotsman Guide, 2025 Top Mortgage Brokers
- NMLS Consumer Access, Stacey Lynne Melton, NMLS #180081
- Sand 2 Sand Lending, her team's site
Last reviewed October 2026. Checked by Knowology.
Not linked: the Fastest Closer award (UWM gives award papers to the winner, not the public), the UWM panel (her own photo from the event) and the closing times (posts by a UWM sales director from January to August 2026, kept on file by Knowology). Her quotes are her own words.