Your Mortgage Matchup Center Concert Guide

What Is It Like to See a Concert at Mortgage Matchup Center?

Phoenix, AZArena17,071 capacity

The upper deck here runs just 14 rows, so even the back row of the 200s sits closer to the stage than its price suggests.

What to Know Before You Go

  • 1
    Ride the train for free.

    Your concert ticket doubles as light rail fare on show day (details in [Getting There](#getting-there)).

  • 2
    Travel light for the fast lane.

    The arena screens with Evolv, and guests with no bag, or a clutch under 4 by 6 inches, get the express entry lanes.

  • 3
    No backpacks, full stop.

    Standard backpacks of any size are out. Purses, medical bags and diaper bags are fine up to 14 by 14 by 6 inches but get extra screening, and a single-compartment drawstring bag inside that size is allowed.

  • 4
    Leave the iPad at home.

    Tablets 8 inches or smaller are allowed at sporting events but banned at concerts. Professional cameras with detachable lenses and any audio or video recorders are banned too.

  • 5
    Walk in through the Pavilion.

    The main entrance is the glass Casino Arizona Pavilion on the northwest corner, facing the plaza at 1st Street and Jefferson. Guest Services, the sensory room and the sensory bags are just inside it.

  • 6
    Water is a show-by-show call.

    The arena allows sealed water bottles at some events and bans them at others. Stadium Journey's September 2026 review points to a free refill station in the main entrance lobby.

  • 7
    Bring a layer.

    It's Phoenix outside and an icebox inside. Read why in [What It's Actually Like](#what-its-actually-like).

  • 8
    It's cashless.

    Cards and phone pay only at the stands, the bars and the team store.

  • 9
    Don't count on getting back in.

    The arena doesn't publish a re-entry allowance anywhere we could find.

  • 10
    Eat local if you're eating inside.

    Little Miss BBQ, the Phoenix barbecue name, has a stand in the building. More in [Food, Drink, and Merch](#food-drink-and-merch).

At a Glance

Capacity
17,071 (concerts 12,565 end-stage to 17,716 in the round)
Venue Type
Arena
Year Opened
1992
Seating
Reserved + GA or reserved floor
Cashless
Yes
Cell Service
5G Wi-Fi added in the 2020-21 renovation
Climate
Indoor, AC (runs cold)
Parking
Jefferson Street Garage next door ($20-30)
Transit
Valley Metro Rail, 3rd St/Jefferson (about 1 minute)

What It's Actually Like

You'll Want That Hoodie in July

Phoenix has you dressed for triple digits, and then this building hits you with cold air the second you clear security. Stadium Journey's 2026 review flat out tells you to bring a light layer because the arena is kept cool. One Tripadvisor reviewer at an ELO show in October 2024 said cold air was pouring down from above onto their seats and the staff couldn't do anything about it. That's one report, but it lines up with the advice. Tie a sweatshirt around your waist and you'll thank yourself by the encore.

The Room Is a 1992 Shell Wearing a 2021 Fit-Out

The bones are the 1992 arena, but the 2020-21 renovation tore out walls and seats to widen the concourses, put in more than 15,000 new cushioned seats, added escalators, and hung a center scoreboard six times bigger than the old one. You feel it on the main concourse, which is wide enough now that intermission doesn't turn into a shoving match. A July 2024 Tripadvisor reviewer put the bowl this way: "this building was designed to maximize the crowd's presence." It's still a basketball room first, and the big center-hung board is a reminder of that every time the house lights come up.

“Worst live sound I've ever heard at a modern arena”
— Tripadvisor reviewer, Nelly and Janet Jackson show, July 2024

Nobody Agrees on the Sound

This is a genuine split, and it breaks by show rather than by seat. On the negative side, a July 2024 Tripadvisor reviewer at Nelly and Janet Jackson called it the worst live sound they'd heard at a modern arena, with the bass pushed way too far forward. Another reviewer that August said the sound at Chicago and Earth, Wind & Fire was so bad their group left soon after EWF started. On the other side, an October 2024 ELO crowd member called the sound "very good," and Ghost Cult Magazine's August 2025 review of Ghost said the band sounded as tight as the writer had ever heard them. No section has a repeat reputation for bad sound, so treat it as a mix-of-the-night risk, not a seat problem.

Security Takes the Recording Rule Seriously

Fans suggest staff enforce the recording ban in spirit, not just in letter. A July 2025 Tripadvisor reviewer said their whole party was walked out of a concert after one person filmed about 10 seconds, and described the staff as aggressive about it. A 2022 reviewer had a detachable-lens camera taken at the door and picked it up from Guest Services afterward. That's two reports from two different events, so it isn't a pattern yet, but it's enough to keep your phone clips short and your big camera at home.

Section-by-Section Guide

For most end-stage concerts the stage goes at the north end of the floor, in front of Sections 119 to 121. Facing the stage, lower seat numbers are on your right in every section we checked. The lower bowl runs rows 1 to 28, and the upper bowl runs rows 1 to 14.

Floor

The floor is sold two ways depending on the tour: reserved letter sections (Floor C, Floor E, Floor G and so on) on folding chairs, or one big general admission section. On GA tickets the floor is a single section and any row or seat printed on the ticket doesn't mean anything. Reserved floor shows put you in flat folding chairs, so once the people in front of you stand, the screens disappear unless you stand too. A Tripadvisor forum reply about concerts here made the same point: most of the floor stands, and seated guests lose the video boards. The front row isn't automatically the best row, either. A RateYourSeats reviewer in Floor C, Row 1 titled their review "Front row seats-- Never again!!" because the aisle in front of them turned into a highway of people heading to the restrooms and concession stands. Floor is for being close, not for a clean view.

Some tours rebuild the floor entirely. For Billie Eilish in November 2025 the stage stretched across most of the floor, and V13's reviewer said nobody in the stands had an obstructed view. That's the production, not the room, so check your show's map.

Lower Bowl Sidelines (Sections 101 to 105 and 113 to 117)

These are the arena's best basketball seats and they're good concert seats too, as long as you know which end of the sideline you're on. At an end-stage show, 101 to 103 and 113 to 115 look across at the stage from the side, while 104, 105, 116 and 117 sit closer to the north end, nearer the stage but at a sharper angle. Row 1 sits behind three or four rows of floor seating.

The rows matter more than the section. Every lower-bowl section has an entrance aisle at row 20. Rows 1 to 19 sit below it, and rows 21 to 28 sit above it. A RateYourSeats reviewer in Section 102, Row 4 for Justin Timberlake said they were "about four rows up right in the center," could see over everyone, and had room to dance. A reviewer in the same section at Row 24 had the opposite night and titled the review "Buyer beware! The seats are ridiculously smooshed," adding that the top of the section had become the cheap seats. An October 2024 ELO reviewer on Tripadvisor also said rows 5 and 6 of the lower bowl had no legroom, so the cramping isn't only up top.

Row 20 itself is a trade-off. It's the stair-free row, it's a few steps from the main concourse stands, and you're out fast. You also get the foot traffic.

Section 115 picks up the stage lengthwise when a tour sets up down the length of the court. That RateYourSeats reviewer in Row 25 could see the whole stage and the big screen straight on, right up until the rows in front stood up.

Lower Bowl Facing the Stage (Sections 106 to 110)

This south end is the far end, but it's the head-on view. RateYourSeats lists Section 108 as head-on for end-stage concerts, which is what you want if the show is about the full production and the screens. The trade is distance. A basketball reviewer in 108, Row 6 also flagged a stanchion that can block part of the view from the low rows and called the legroom "suboptimal compared to most other sections of the arena." For a concert, aim a little higher in these sections rather than for the front rows.

Lower Bowl Beside and Behind the Stage (Sections 119 to 121)

This is where the stage lives. RateYourSeats lists Section 121 as behind or beside the stage for most concerts, and on concert nights its first sold row is row 12, because the lower rows end up under or behind the production. The upper rows of 121 belong to the North Club. If your ticket here is sold as limited view, take the warning at face value. We didn't find a single fan report saying these seats were better than advertised.

Upper Bowl (200 Level)

The upper deck here is short. Most sections run rows 1 to 14, with the entrance at row 2, so even the back row isn't far above the concourse. RateYourSeats' advice for the 200s is blunt: "always choose seats in the lowest row," because the view changes a lot between row 1 and row 14. Section 213 is an oddity: it starts at row 5 and runs to row 14, so row 5 is its front row.

For a straight-on view, Section 210 at the south end is head-on for end-stage concerts. For a side view, RateYourSeats' favorite upper sideline seats are the first six rows of Sections 202, 204, 218 and 220. Avoid Sections 228 and 231 unless you're fine with a partial view, since both are listed as behind or beside the stage for most concerts.

The catch is the seats themselves. A Bruce Springsteen concertgoer on the Tripadvisor Phoenix forum said the upper level had "no leg room at all" and asked whether the lower bowl was any roomier. A reviewer at the April 2026 Women's Final Four said Section 215 had metal railings that blocked part of the view, plus tight seats and dark stairwells. That was a basketball setup, but the railings don't move for concerts. If you're tall or bad with stairs, row 2 is the one to get: it's the entrance row and you don't climb.

Suites and Clubs

The suite level sits between the two bowls. Loft suites hold 8 to 12 guests, standard suites up to 22, and all-inclusive suites up to 22 with a buffet and drinks. The suite level also has the FirstBank Terrace, and there's a Jim Beam Barrel Bar at the north end. Suite packages come with two to four passes for the attached garage, which is the real perk on a busy downtown night. The club rows you see on Suns seating charts (Club Gila River in rows 1 to 4 of Sections 101 to 105 and 123 to 124, the Ultra Club in rows 1 to 4 of Sections 111 to 117) are basketball configurations and may not exist for your concert.

Accessibility Seating

Accessible seating is sold at every price point, first come first served, through the ticket office at 602-379-7800. In the lower-bowl sideline sections, wheelchair positions sit in front of row 1. For anyone who doesn't need a wheelchair space but can't do stairs, the arena names two stair-free rows: row 20 in the 100s and row 2 in the 200s. Wheelchair escorts are available at any entrance, or by texting 602-379-7668 from 30 minutes before doors. Assisted listening devices from Guest Services carry the actual concert sound, not a radio feed. We didn't find fan reports on the views from the wheelchair positions, good or bad.

Going to a Show?

Heading to Mortgage Matchup Center? Add the show to Concerts Remembered before you go and it's on your phone whether or not you have signal inside. Afterward you'll have the setlist, your seat, and what you thought of it.

Download on the App StoreGet it on Google Play

Mortgage Matchup Center · what fans report

Everything fans report about Mortgage Matchup Center is normal for an arena

Measured against 83 arenas we have documented. Every fault below is carried by most arenas, so none of them single this room out.

Normal for an arena

  • Sightlines go when it fills70% of arenas

    Reserved floor shows put you in flat folding chairs, so once the people in front of you stand, the screens disappear unless you stand too.

Common for arenas, not reported here

  • Getting out is punishing52% of arenas

Concerts Remembered Venue Index · 83 arenas tagged against a closed seven-category taxonomy · every row cites this guide · reviewed October 2026

Getting There

Driving + Parking

The attached five-story garage on the west side has 700 spaces, and most of them go to suite and premium ticket holders. For everyone else, the Jefferson Street Garage next door is the one to aim for, with 1,450 spaces and prepaid passes sold through ParkWhiz. Event parking opens about 30 minutes before doors. Stadium Journey put the Jefferson Street Garage at about $20 in September 2026, and a Tripadvisor reviewer paid $30 for event parking at the April 2026 Women's Final Four, so budget $20 to $30 for a close garage. Itinerant Fan says private lots farther out advertise $8 to $15. Whatever you pick, parking doesn't include in-and-out privileges.

Transit

Leave the car at home if you can. Since 2009 the arena and the Suns have paid Valley Metro so that concert and Suns ticket holders ride light rail free on event day, and about 2,000 people used it on event nights when the city renewed the deal in 2015. Show your ticket if a fare inspector asks. Resale event listings for 2026 shows say it's valid from four hours before the start time through the end of the transit day, and that it doesn't cover buses. Coming from the west, take an eastbound train to 3rd St/Jefferson, about a minute's walk from the arena. Coming from Tempe and the East Valley, ride westbound to 3rd St/Washington, about three minutes away. From the Downtown Phoenix Hub platforms on Central or 1st Avenue it's about a 0.3-mile walk. The line also connects to Sky Harbor Airport, which makes a fly-in show unusually easy.

Rideshare

The arena lists four Lyft drop-off zones: the plaza at 1st Street and Jefferson, South 2nd Street by The Ryan, South 3rd Street by the Phoenix Convention Center, and East Jefferson Street by Hotel Palomar. The pick-up zone is South 3rd Street at East Jefferson, on the Convention Center side. Guests with disabilities get a separate drop-off on 3rd Street just south of Jefferson, at the green curb.

Getting Out

After the show, everything you need is on 3rd Street: both light rail stops, and the official rideshare pick-up at East Jefferson on the Convention Center side. We didn't find reliable fan reports on how long the garages take to empty.

Food, Drink, and Merch

Worth Getting

Go local. Little Miss BBQ has a stand inside, and Spinato's Pizzeria and Los Soles Taqueria cover pizza and tacos. Stadium Journey's 2026 review also points to the concession grills named after Arizona area codes, the 480, 520, 602 and 623 Grills, for the basics. The famous $2 Value Menu of hot dogs, chips, popcorn, soda and water is a Suns and Mercury game program. Don't assume it's running at your concert.

Skip It

Prices inside aren't kind. A Tripadvisor reviewer paid $6 for a Diet Coke at the 2026 Women's Final Four, and a 2023 reviewer summed up the food as "varied and average." If you want a proper meal, eat before you walk in.

The Strategy

Have your drinks before doors. The Whining Pig on East Washington pours craft beer for a lot less than arena prices, according to Stadium Journey, and The Desmond on First Street is a short walk away. Huss Brewing sits inside the Phoenix Convention Center on Monroe Street. Inside, the main concourse bar looks straight down onto the floor, and Itinerant Fan points to Four Peaks' Kilt Lifter as the local beer to order.

Merch

There's a permanent Suns and Mercury team store in the building, but we didn't find venue-branded concert merch or reliable intel on where tour booths set up.

Venue History

The arena opened on June 6, 1992 as America West Arena, built for $89 million to an Ellerbe Becket design. The City of Phoenix owns it and the Suns run it. It's worn a run of sponsor names since: US Airways Center from 2006, Talking Stick Resort Arena from 2015, briefly PHX Arena and Phoenix Suns Arena, then Footprint Center from 2021. The Footprint signs came down in February 2025, and on October 2, 2025 it became Mortgage Matchup Center under a 10-year deal worth nearly $115 million with United Wholesale Mortgage, whose CEO, Mat Ishbia, also owns the Suns and Mercury.

Two rebuilds shaped the room you sit in. In 2003 a $67 million project added the air-conditioned glass atrium on the northwest side. Then the 2020-21 renovation, a $230 million job designed by HOK, widened the concourses, replaced the seats, added the Pavilion entrance and its LED wall, built the upper-level food court, and upgraded the sound, lighting and Wi-Fi. It wrapped up during the Suns' 2021 NBA Finals run.

The concert history runs from Frank Sinatra in December 1993, one of his last shows, through U2 in 2001 and 2015, several Beyonce tours, and the current run of arena-pop headliners, with Billie Eilish here in November 2025. From 1996 to 2003 it also housed the NHL's Coyotes, and three sections at one end had about a quarter of the ice blocked and sold cheap.

Frequently Asked Questions

Yes. It's the same downtown arena at 201 East Jefferson Street, renamed in October 2025. Plenty of resale and review sites still list it as Footprint Center, and older fans may call it America West Arena or Talking Stick.

Yes, the ones behind the stage at the north end. They're often sold as limited view, and we found no fan reports saying they beat expectations. The [Section-by-Section Guide](#section-by-section-guide) lists them.

Doors open 60 minutes before the listed start time on recent concert pages, for example about 7 p.m. for an 8 p.m. show. If you've got no bag, the Evolv express lane is the quickest way through once they open.

Already Seen a Show Here?

Been to Mortgage Matchup Center? Add it to your concert history in the Concerts Remembered app. Which section were you in, and was it worth it?

Download on the App StoreGet it on Google Play
Published October 2026Last reviewed October 2026

This guide is based on fan reports, public records, and community discussion. Claims we can’t source are left out rather than estimated, and the charts render only where the sample is large enough to trust. It is not sponsored by or affiliated with Mortgage Matchup Center.

Cite this guide

Concerts Remembered, "Mortgage Matchup Center," concertsremembered.app/venues/mortgage-matchup-center, updated October 2026.