Local Pros · Racine
Local Mortgage Brokers in Racine, WI
Locally owned and operated mortgage brokers serving Racine and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 15 mortgage brokers in Racine, WI by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is LendNation with a 4.9-star rating from 850 Google reviews and an RNM Score of 87/100. Also in the top tier: Mariner Finance and OneMain Financial. The average rating across all listed mortgage brokers in Racine is 4.9 stars from 123 reviews per business on average.
Mortgage brokers in Racine: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Horicon Home Loans
Horicon Home Loans stands out as the top-ranked choice, indicating strong local reputation and service.
Most Reviewed
OneMain Financial
A high number of reviews provides a broad base of customer experiences, helping borrowers gauge service quality and trustworthiness.
When choosing a mortgage broker in Racine, compare local expertise with national lender options, and always verify licensing and read recent reviews to ensure transparency.
Local Market Snapshot
15
Businesses listed
4.9★
Avg rating
123
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 4.9 stars from over 850 Google reviews by local clients in Racine.
3326 Washington Ave, Racine, WI 53405, USAHighly rated local mortgage broker with 4.7 stars from 87 reviews.
7115 Durand Ave Ste. E, Sturtevant, WI 53177, USARated 4.5 stars from 35 Google reviews, this Racine mortgage broker is highly recommended.
2215 Lathrop Ave, Racine, WI 53405, USAMortgage Brokers Rankings in Racine, WI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | LendNation3326 Washington Ave, Racine, WI 53405, USA | 4.9★ | 850 |
| #2 | Mariner Finance7115 Durand Ave Ste. E, Sturtevant, WI 53177, USA | 4.7★ | 87 |
| #3 | OneMain Financial2215 Lathrop Ave, Racine, WI 53405, USA | 4.5★ | 35 |
| #4 | Chase Home Lending5815 21st St, Racine, WI 53406, USA | 5.0★ | 1 |
| #5 | Brandy Stork - Mortgage Loan Officer4708 Northwestern Ave, Racine, WI 53406, USA | — | — |
| #6 | Guild Mortgage - Lori Dobrowolski4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA | 5.0★ | 11 |
| #7 | U.S. Bank-Mortgage Loan Officer-Peter Cannon4701 Washington Ave, Racine, WI 53406, USA | 5.0★ | 1 |
| #8 | Horicon Home Loans411 E Lake St, Horicon, WI 53032, USA | 5.0★ | 1 |
| #9 | Small Business Lender Racine WI601 Lake Ave, Racine, WI 53403, USA | 5.0★ | 1 |
| #10 | U.S. Bank-Mortgage Loan Officer-Cara Sery4701 Washington Ave, Racine, WI 53406, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Racine
Rated 5.0 stars across several Google reviews for exceptional local service.
5815 21st St, Racine, WI 53406, USA
Racine mortgage broker with no customer reviews yet; first impressions matter here.
4708 Northwestern Ave, Racine, WI 53406, USA
Rated 5.0 stars from 11 Google reviews for exceptional mortgage services in Racine.
4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA
Earns a perfect 5.0-star rating from its first reviews in Racine.
4701 Washington Ave, Racine, WI 53406, USA
Rated 5.0 stars from one Google review, reflecting exceptional client satisfaction.
411 E Lake St, Horicon, WI 53032, USA
Rated 5.0 stars from a small number of Google reviews.
601 Lake Ave, Racine, WI 53403, USA
A new mortgage broker in Racine waiting for its first client reviews.
4701 Washington Ave, Racine, WI 53406, USA
This business has no online reviews yet, so consider checking for recent activity.
6218 Washington Ave a, Mt Pleasant, WI 53406, USA
Helping Racine homebuyers navigate mortgages with zero customer reviews on Google yet.
5005 Washington Ave, Racine, WI 53406, USA
A local mortgage broker in Racine with no customer ratings yet.
2744 Old Ml Dr, Racine, WI 53405, USA
This business has no customer reviews yet, so its reputation is unrated.
4701 Washington Ave, Racine, WI 53406, USA
No ratings yet; check back after their first few client reviews appear.
4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA
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Mortgage Brokers in Racine, WI — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | LendNation | 87/100 | 4.9 ★ | 850 |
| 2 | Mariner Finance | 78/100 | 4.7 ★ | 87 |
| 3 | OneMain Financial | 69/100 | 4.5 ★ | 35 |
| 4 | Chase Home Lending | 62/100 | 5.0 ★ | 1 |
| 5 | Brandy Stork - Mortgage Loan Officer | 3/100 | — | 0 |
| 6 | Guild Mortgage - Lori Dobrowolski | 72/100 | 5.0 ★ | 11 |
| 7 | U.S. Bank-Mortgage Loan Officer-Peter Cannon | 62/100 | 5.0 ★ | 1 |
| 8 | Horicon Home Loans | 62/100 | 5.0 ★ | 1 |
| 9 | Small Business Lender Racine WI | 62/100 | 5.0 ★ | 1 |
| 10 | U.S. Bank-Mortgage Loan Officer-Cara Sery | 3/100 | — | 0 |
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 Racine
What does a mortgage broker do differently than going directly to a bank in Racine?
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 Racine?
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 4, 2026.
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