Michael P. Ripp


Legal Assistant: Carmen Boggs


Mike joined Ryley Carlock & Applewhite in 1986 and heads up the firm’s banking and finance practice, which has been ranked by U.S. News & World Report’s “Best Law Firms” as a “Tier 1” (top tier) practice in the Phoenix market every year since the rankings began, and was ranked by “Ranking Arizona” as the top banking and finance law firm in the state in 2015, 2016 and 2017.

Mike represents lenders, borrowers, buyers and sellers in commercial real estate and asset-based (including agricultural) loan transactions (including loan originations, workouts and enforcement) and real estate purchases and sales. His experience includes many retail, office, industrial, multi-family, mixed-use, hospitality and assisted living projects. This includes leasehold loans (including Arizona State Land Department trust land leases), mezzanine loans and loan syndications and participations (both as counsel to the lead lender and as counsel to the co-lenders or participants). Mike often serves as counsel to Wells Fargo Bank, BBVA USA, MidFirst Bank, BNC National Bank, Alerus Financial and other financial institutions in Arizona loan transactions, workouts and enforcement activities, and often serves as Arizona counsel to both lenders and borrowers in multistate loan transactions.

Mike graduated from the University of Notre Dame Law School, where he served as Note Editor of the Notre Dame Law Review. He practiced public accounting before entering law school and continues to hold a Certified Public Accountant certificate as an inactive registrant.

He is a former member of the Board of Directors of the Boys and Girls Clubs of Greater Scottsdale, and has been recognized by the Clubs for his contribution of many hours of legal work, both during and following his service on the Board, in acquiring the Clubs' Vestar Branch site and Thrift Store building. His family includes two sons and one daughter from Korea.

Client interview comments from the Chambers USA directory include:

“He is a consistently outstanding attorney.”

“He is detail-oriented, intelligent, practical and willing to go to extraordinary lengths to meet deadlines and provide a quality product.”

“He is extremely knowledgeable, technically savvy, hard-working and willing to go the extra mile to get things done right and on time.”

“He provides a white glove legal service and employs a pragmatic approach.”


  • Selected by AzBusiness Magazine as one of Arizona’s Top 100 Lawyers in 2018
  • Selected for inclusion in real estate, banking/finance and foreclosure categories in Best Lawyers in America (including 2017 Phoenix Banking & Finance "Lawyer of the Year")
  • Ranked in Chambers USA for real estate law
  • Selected for inclusion in Southwest Super Lawyers for banking law
  • "AV-Preeminent" rating (5.0/5 Peer Review Rating) from Martindale-Hubbell
  • Recognized as 2019 Go-To Thought Leader by The National Law Review
  • Listed in Ranking Arizona’s Top Lawyers (AzBusiness Magazine)
  • Listed in Arizona’s Finest Lawyers
  • Recognized in the 2016, 2021 and 2022 editions of AzBusiness Leaders (AZ Big Media)
  • Listed in multiple editions of Arizona Commercial Real Estate (AZRE) Magazine’s “People to Know in Commercial Real Estate”


Mike has authored numerous published articles on real estate and commercial lending, loan enforcement and income tax issues. His Arizona Lender's Guides and case law and legislative updates generate thousands of website hits. Mike's publications include the following:

Speaking Engagements

Mike often speaks to financial industry groups about real estate, lending and loan enforcement issues.


  • Arizona Commercial Mortgage Lenders Association, Legal/Legislative Chair
  • Risk Management Association, Member
  • Arizona State Bar Real Property, Business Law and Construction Law Sections
  • Maricopa County Bar Association, Member
  • Nebraska Society of CPAs, Member
Martindale Hubbel AV Rating Chambers Best Lawyers Super Lawyers National Law Review Thought Leader Top 100 Lawyers in Arizona