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Mortgage Brokers Near You in Oshkosh, WI
Find mortgage brokers close to you in Oshkosh. All results are sorted by proximity and rated by real local customers.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Oshkosh, WI by verified customer ratings and review volume. The highest-rated is Ryan Hall - Guild Mortgage with a 4.9-star rating from 159 verified reviews. Also in the top tier: Kristen Ambos CPO, Point Mortgage (NMLS #239731) and Linda the Lender | Fairway Home Mortgage NMLS# 269744. The average rating across all listed mortgage brokers in Oshkosh is 5 stars from 122 reviews per business on average.
Mortgage brokers in Oshkosh: 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
5★
Avg rating
122
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Ryan Hall - Guild Mortgage
1427 Province Terrace suite c, Menasha, WI 54952, USA
Kristen Ambos CPO, Point Mortgage (NMLS #239731)
1050 S Lynndale Dr, Appleton, WI 54914, USA
Linda the Lender | Fairway Home Mortgage NMLS# 269744
15 Park Pl Suite 500, Appleton, WI 54914, USA
Mortgage Brokers Rankings in Oshkosh, WI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Ryan Hall - Guild Mortgage1427 Province Terrace suite c, Menasha, WI 54952, USA | 4.9★ | 159 |
| #2 | Kristen Ambos CPO, Point Mortgage (NMLS #239731)1050 S Lynndale Dr, Appleton, WI 54914, USA | 5.0★ | 25 |
| #3 | Linda the Lender | Fairway Home Mortgage NMLS# 26974415 Park Pl Suite 500, Appleton, WI 54914, USA | 5.0★ | 135 |
| #4 | Guild Mortgage Company5793 W Grande Market Dr suite b, Appleton, WI 54913, USA | 4.9★ | 95 |
| #5 | Guild Mortgage - Jesse Koch5793 W Grande Market Dr suite b, Appleton, WI 54913, USA | 4.9★ | 67 |
| #6 | Waterstone Mortgage Corporation119 N McCarthy Rd Suite F, Appleton, WI 54913, USA | 5.0★ | 379 |
| #7 | Mortgage Nerds4090 W Spencer St, Appleton, WI 54914, USA | 4.9★ | 344 |
| #8 | McGlone Mortgage Group4321 W College Ave Suite 200, Office 324, Appleton, WI 54914, USA | 4.9★ | 551 |
| #9 | Nic Campbell Personal Mortgage Advisor at Nations Lending - NMLS: 2787374321 W College Ave Suite 200, Office 209, Appleton, WI 54914, USA | 5.0★ | 187 |
| #10 | Amber Hageman NMLS 650876 Mortgage Professional4321 W College Ave Suite 200, Office 220, Appleton, WI 54914, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Oshkosh
Guild Mortgage Company
5793 W Grande Market Dr suite b, Appleton, WI 54913, USA
Guild Mortgage - Jesse Koch
5793 W Grande Market Dr suite b, Appleton, WI 54913, USA
Waterstone Mortgage Corporation
119 N McCarthy Rd Suite F, Appleton, WI 54913, USA
Mortgage Nerds
4090 W Spencer St, Appleton, WI 54914, USA
McGlone Mortgage Group
4321 W College Ave Suite 200, Office 324, Appleton, WI 54914, USA
Nic Campbell Personal Mortgage Advisor at Nations Lending - NMLS: 278737
4321 W College Ave Suite 200, Office 209, Appleton, WI 54914, USA
Amber Hageman NMLS 650876 Mortgage Professional
4321 W College Ave Suite 200, Office 220, Appleton, WI 54914, USA
Finance of America Mortgage
650 N Westhill Blvd, Appleton, WI 54914, USA
Silver Stone Team -powered Home State Bank N/A nmls#478452
650 N Westhill Blvd, Appleton, WI 54914, USA
Christina Zamora- Integrity Mortgage Group
1314 W College Ave, Appleton, WI 54914, USA
Integrity Mortgage Group Wisconsin
1314 W College Ave #2, Appleton, WI 54914, USA
Gwenn Tanvas | The Mortgage Gal |Broker NEXA Mortgage, LLC
120 N Morrison St ste 101-g, Appleton, WI 54911, USA
Tom Seaman, Mortgage Broker | Wintrust Mortgage, NMLS #400629
200 E Washington St, Appleton, WI 54911, USA
Lisa Rohloff- Mortgage Broker NMLS #1206703
161 Riverheath Way, Appleton, WI 54915, USA
Jim Dovalis - Bank Five Nine
3601 Commerce Ct, Appleton, WI 54911, USA
Cornerstone Mortgage LLC - Jolie Hayes
1494 Mid Valley Dr, De Pere, WI 54115, USA
Mortgages by Adam Aleknavicius
3301 Packerland Dr Suite D, De Pere, WI 54115, USA
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Frequently Asked Questions — Mortgage Brokers in Oshkosh
What does a mortgage broker do differently than going directly to a bank in Oshkosh?
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 Oshkosh?
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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