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Real Reviews · Janesville
Top-Reviewed Mortgage Brokers in Janesville, WI
What are customers actually saying? Read verified reviews for mortgage brokers in Janesville — every rating is from a real customer.
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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