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Local Pros · Janesville
Local Mortgage Brokers in Janesville, WI
Locally owned and operated mortgage brokers serving Janesville and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Janesville, WI by verified customer ratings and review volume. The highest-rated is Envoy Mortgage - Rockford, IL with a 4.9-star rating from 533 verified reviews. Also in the top tier: Jessica Rielly - Envoy Mortgage Rockford and Sarah Spradlin - Stateline Lender with Envoy Mortgage. The average rating across all listed mortgage brokers in Janesville is 4.8 stars from 105 reviews per business on average.
Mortgage brokers in Janesville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
105
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Envoy Mortgage - Rockford, IL
4761 Bluestem Rd, Roscoe, IL 61073, USA
Jessica Rielly - Envoy Mortgage Rockford
4761 Bluestem Rd, Roscoe, IL 61073, USA
Sarah Spradlin - Stateline Lender with Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073, USA
Mortgage Brokers Rankings in Janesville, WI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Envoy Mortgage - Rockford, IL4761 Bluestem Rd, Roscoe, IL 61073, USA | 4.9★ | 533 |
| #2 | Jessica Rielly - Envoy Mortgage Rockford4761 Bluestem Rd, Roscoe, IL 61073, USA | 5.0★ | 75 |
| #3 | Sarah Spradlin - Stateline Lender with Envoy Mortgage4761 Bluestem Rd, Roscoe, IL 61073, USA | 5.0★ | 69 |
| #4 | Fairway Independent Mortgage Corporation6278 E Riverside Blvd, Loves Park, IL 61111, USA | 4.8★ | 5 |
| #5 | Karina Flores - Fairway Independent Mortgage6278 E Riverside Blvd, Loves Park, IL 61111, USA | 4.9★ | 8 |
| #6 | Envoy Mortgage - Crystal Lake, IL6277 E Riverside Blvd, Rockford, IL 61114, USA | 4.9★ | 25 |
| #7 | Jason Naill Mortgages3963 N Perryville Rd, Rockford, IL 61114, USA | 3.0★ | 2 |
| #8 | US Bank Mortgage5629 N 2nd St, Loves Park, IL 61111, USA | 5.0★ | 1 |
| #9 | Get Approved Mortgage, Inc.2821 Glenwood Ave Suite 1, Rockford, IL 61103, USA | 5.0★ | 24 |
| #10 | Kris Bass - Envoy Mortgage6876 Spring Creek Rd Suite #124, Rockford, IL 61114, USA | 5.0★ | 41 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Janesville
Fairway Independent Mortgage Corporation
6278 E Riverside Blvd, Loves Park, IL 61111, USA
Karina Flores - Fairway Independent Mortgage
6278 E Riverside Blvd, Loves Park, IL 61111, USA
Envoy Mortgage - Crystal Lake, IL
6277 E Riverside Blvd, Rockford, IL 61114, USA
Jason Naill Mortgages
3963 N Perryville Rd, Rockford, IL 61114, USA
US Bank Mortgage
5629 N 2nd St, Loves Park, IL 61111, USA
Get Approved Mortgage, Inc.
2821 Glenwood Ave Suite 1, Rockford, IL 61103, USA
Kris Bass - Envoy Mortgage
6876 Spring Creek Rd Suite #124, Rockford, IL 61114, USA
George Pleshkewych - MLO
2126 N Perryville Rd Suite 101, Rockford, IL 61107, USA
Wintrust Mortgage
1825 N Perryville Rd, Rockford, IL 61107, USA
Guild Mortgage - Mike Scalise
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Guild Mortgage Company
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Guild Mortgage - Erich Stonewall
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Guild Mortgage - Ronald Lawson
420 Financial Ct Suite 110, Rockford, IL 61107, USA
First Northern Credit Union Mortgage Services
6832 Stalter Dr, Rockford, IL 61108, USA
Chantel Miller-U.S. Bank Mortgage
1107 E State St, Rockford, IL 61104, USA
Mike A Zilli | Fairway Independent Mortgage Corporation Loan Officer
5940 Seminole Centre Ct #310, Madison, WI 53711, USA
Guild Mortgage - Ryan Smith
345 W Washington Ave Suites 326, 327, 331, 333, Madison, WI 53703, USA
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Frequently Asked Questions — Mortgage Brokers in Janesville
What does a mortgage broker do differently than going directly to a bank in Janesville?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Janesville?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in WI?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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