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Same-Day Mortgage Brokers in Janesville, WI
Can't wait a week? These mortgage brokers in Janesville offer same-day or next-day appointments. Call now to check availability.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Janesville, WI by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Jessica Rielly - Envoy Mortgage Rockford with a 5.0-star rating from 75 Google reviews and an RNM Score of 82/100. Also in the top tier: Sarah Spradlin - Stateline Lender with Envoy Mortgage and Envoy Mortgage - Rockford, IL. 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 July 5, 2026 · RNM Score = 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
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 75 Google reviews, this Rockford mortgage broker is highly trusted.
4761 Bluestem Rd, Roscoe, IL 61073, USARockford's top-rated mortgage broker with a perfect 5.0 stars from 69 reviews.
4761 Bluestem Rd, Roscoe, IL 61073, USARockford's top-rated mortgage broker with a 4.9★ average from 533 Google reviews.
4761 Bluestem Rd, Roscoe, IL 61073, USAMortgage Brokers Rankings in Janesville, WI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jessica Rielly - Envoy Mortgage Rockford4761 Bluestem Rd, Roscoe, IL 61073, USA | 5.0★ | 75 |
| #2 | Sarah Spradlin - Stateline Lender with Envoy Mortgage4761 Bluestem Rd, Roscoe, IL 61073, USA | 5.0★ | 69 |
| #3 | Envoy Mortgage - Rockford, IL4761 Bluestem Rd, Roscoe, IL 61073, USA | 4.9★ | 533 |
| #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 July 2026
All Mortgage Brokers in Janesville
Rockford mortgage broker with a 4.8-star rating from 5 Google reviews.
6278 E Riverside Blvd, Loves Park, IL 61111, USA
Rockford mortgage broker with a 4.9-star rating from 8 Google reviews.
6278 E Riverside Blvd, Loves Park, IL 61111, USA
4.9-star rating from 25 reviews reflects exceptional client satisfaction.
6277 E Riverside Blvd, Rockford, IL 61114, USA
Averaging 3.0 stars from 2 Google reviews, this broker offers mixed customer feedback.
3963 N Perryville Rd, Rockford, IL 61114, USA
5.0-star rating from recent Google reviews reflects exceptional client satisfaction.
5629 N 2nd St, Loves Park, IL 61111, USA
Rockford's top-rated mortgage broker with a flawless 5.0★ from 24 reviews.
2821 Glenwood Ave Suite 1, Rockford, IL 61103, USA
Rockford's top-rated mortgage broker with a perfect 5.0 stars from 41 reviews.
6876 Spring Creek Rd Suite #124, Rockford, IL 61114, USA
Rockford's top-rated mortgage broker with a 4.8★ average from 20 glowing reviews.
2126 N Perryville Rd Suite 101, Rockford, IL 61107, USA
Rockford mortgage broker with a 3.8-star rating based on 10 Google reviews.
1825 N Perryville Rd, Rockford, IL 61107, USA
Rated 5.0 stars from 28 Google reviews, this Rockford broker is highly trusted.
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Top-rated mortgage broker in Rockford, IL, with a perfect 5.0★ score from 1 review.
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Rockford's top-rated mortgage broker with a flawless 5.0★ from 27 reviews.
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Trusted by hundreds of local clients, this Rockford broker holds a flawless 4.9-star rating.
420 Financial Ct Suite 110, Rockford, IL 61107, USA
Top-rated Rockford mortgage broker with 5.0 stars from nearly 100 reviews.
6832 Stalter Dr, Rockford, IL 61108, USA
Rated 5.0 stars from 3 Google reviews, this Rockford mortgage broker is highly praised.
1107 E State St, Rockford, IL 61104, USA
Madison's top-rated mortgage broker with 388 five-star Google reviews.
5940 Seminole Centre Ct #310, Madison, WI 53711, USA
Highly rated Madison mortgage broker with a perfect 5.0★ from nearly 400 reviews.
345 W Washington Ave Suites 326, 327, 331, 333, Madison, WI 53703, USA
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Mortgage Brokers in Janesville, WI — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jessica Rielly - Envoy Mortgage Rockford | 82/100 | 5.0 ★ | 75 |
| 2 | Sarah Spradlin - Stateline Lender with Envoy Mortgage | 81/100 | 5.0 ★ | 69 |
| 3 | Envoy Mortgage - Rockford, IL | 87/100 | 4.9 ★ | 533 |
| 4 | Fairway Independent Mortgage Corporation | 65/100 | 4.8 ★ | 5 |
| 5 | Karina Flores - Fairway Independent Mortgage | 69/100 | 4.9 ★ | 8 |
| 6 | Envoy Mortgage - Crystal Lake, IL | 74/100 | 4.9 ★ | 25 |
| 7 | Jason Naill Mortgages | 30/100 | 3.0 ★ | 2 |
| 8 | US Bank Mortgage | 62/100 | 5.0 ★ | 1 |
| 9 | Get Approved Mortgage, Inc. | 76/100 | 5.0 ★ | 24 |
| 10 | Kris Bass - Envoy Mortgage | 79/100 | 5.0 ★ | 41 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 5, 2026.
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