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Verified · Oshkosh
Trusted Mortgage Brokers in Oshkosh, WI
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Oshkosh have earned it through hundreds of verified reviews.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Oshkosh, WI by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Ryan Hall - Guild Mortgage with a 4.9-star rating from 159 Google reviews and an RNM Score of 84/100. 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 June 10, 2026 · RNM Score = 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
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients with a near-perfect 4.9-star rating.
1427 Province Terrace suite c, Menasha, WI 54952, USAExceptional 5.0-star rating from 25 Google reviews.
1050 S Lynndale Dr, Appleton, WI 54914, USATop-rated Appleton mortgage broker with a perfect 5.0-star rating from over 130 reviews.
15 Park Pl Suite 500, Appleton, WI 54914, USAMortgage 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 | Nic Campbell Personal Mortgage Advisor at Nations Lending - NMLS: 2787374321 W College Ave Suite 200, Office 209, Appleton, WI 54914, USA | 5.0★ | 187 |
| #9 | Amber Hageman NMLS 650876 Mortgage Professional4321 W College Ave Suite 200, Office 220, Appleton, WI 54914, USA | 5.0★ | 5 |
| #10 | McGlone Mortgage Group4321 W College Ave Suite 200, Office 324, Appleton, WI 54914, USA | 4.9★ | 551 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Oshkosh
Rated 4.9 stars from 95 Google reviews, this Appleton mortgage broker is highly trusted.
5793 W Grande Market Dr suite b, Appleton, WI 54913, USA
Rated 4.9 stars from 67 Google reviews, this Appleton mortgage broker is highly trusted.
5793 W Grande Market Dr suite b, Appleton, WI 54913, USA
Appleton's top-rated mortgage broker with a perfect 5.0★ score from 379 reviews.
119 N McCarthy Rd Suite F, Appleton, WI 54913, USA
Rated 4.9 stars from hundreds of Google reviews in Appleton.
4090 W Spencer St, Appleton, WI 54914, USA
Top-rated Appleton mortgage broker with a perfect 5.0★ from 187 reviews.
4321 W College Ave Suite 200, Office 209, Appleton, WI 54914, USA
Rated 5.0 stars from 5 reviews, this Appleton broker earns exceptional client feedback.
4321 W College Ave Suite 200, Office 220, Appleton, WI 54914, USA
Trusted by 551 clients with a perfect 4.9-star rating.
4321 W College Ave Suite 200, Office 324, Appleton, WI 54914, USA
Rated 5.0 stars from 23 Google reviews, this Appleton mortgage broker is highly trusted.
650 N Westhill Blvd, Appleton, WI 54914, USA
Rated 4.8 stars from nearly 100 Google reviews in Appleton.
650 N Westhill Blvd, Appleton, WI 54914, USA
Rated 5.0 stars from 3 reviews, this Appleton broker is highly recommended.
1314 W College Ave, Appleton, WI 54914, USA
Top-rated Appleton mortgage broker with 4.9 stars from 70 Google reviews.
1314 W College Ave #2, Appleton, WI 54914, USA
Rated 5.0 stars from 47 Google reviews, this Appleton broker is highly trusted.
120 N Morrison St ste 101-g, Appleton, WI 54911, USA
Exceptional 5.0-star rating from nearly 200 Google reviews in Appleton.
200 E Washington St, Appleton, WI 54911, USA
Rated 5.0 stars from 11 reviews, this Appleton mortgage broker is highly trusted.
161 Riverheath Way, Appleton, WI 54915, USA
5.0 stars from 12 Google reviews, reflecting exceptional local client satisfaction.
3601 Commerce Ct, Appleton, WI 54911, USA
5.0 stars from 14 Google reviews, reflecting exceptional client satisfaction.
1494 Mid Valley Dr, De Pere, WI 54115, USA
Rated 5.0 stars from 16 reviews, this Green Bay mortgage broker is highly trusted.
3301 Packerland Dr Suite D, De Pere, WI 54115, USA
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Mortgage Brokers in Oshkosh, WI — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Ryan Hall - Guild Mortgage | 84/100 | 4.9 ★ | 159 |
| 2 | Kristen Ambos CPO, Point Mortgage (NMLS #239731) | 76/100 | 5.0 ★ | 25 |
| 3 | Linda the Lender | Fairway Home Mortgage NMLS# 269744 | 85/100 | 5.0 ★ | 135 |
| 4 | Guild Mortgage Company | 81/100 | 4.9 ★ | 95 |
| 5 | Guild Mortgage - Jesse Koch | 80/100 | 4.9 ★ | 67 |
| 6 | Waterstone Mortgage Corporation | 88/100 | 5.0 ★ | 379 |
| 7 | Mortgage Nerds | 87/100 | 4.9 ★ | 344 |
| 8 | Nic Campbell Personal Mortgage Advisor at Nations Lending - NMLS: 278737 | 87/100 | 5.0 ★ | 187 |
| 9 | Amber Hageman NMLS 650876 Mortgage Professional | 68/100 | 5.0 ★ | 5 |
| 10 | McGlone Mortgage Group | 87/100 | 4.9 ★ | 551 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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: June 10, 2026.
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