Real Reviews · Racine
Top-Reviewed Mortgage Brokers in Racine, WI
What are customers actually saying? Read verified reviews for mortgage brokers in Racine — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 15 mortgage brokers in Racine, WI by verified customer ratings and review volume. The highest-rated is LendNation with a 4.9-star rating from 850 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
15
Businesses listed
4.9★
Avg rating
123
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
LendNation
3326 Washington Ave, Racine, WI 53405, USA
Mariner Finance
7115 Durand Ave Ste. E, Sturtevant, WI 53177, USA
OneMain Financial
2215 Lathrop Ave, Racine, WI 53405, USA
Mortgage 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 | Guild Mortgage - Lori Dobrowolski4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA | 5.0★ | 11 |
| #5 | Guild Mortgage Company4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA | — | — |
| #6 | U.S. Bank-Mortgage Loan Officer-Peter Cannon4701 Washington Ave, Racine, WI 53406, USA | 5.0★ | 1 |
| #7 | Brandy Stork - Mortgage Loan Officer4708 Northwestern Ave, Racine, WI 53406, USA | — | — |
| #8 | Small Business Lender Racine WI601 Lake Ave, Racine, WI 53403, USA | 5.0★ | 1 |
| #9 | Chase Home Lending5815 21st St, Racine, WI 53406, USA | 5.0★ | 1 |
| #10 | Russell Ruegger-U.S. Bank Mortgage4701 Washington Ave, Racine, WI 53406, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Racine
Guild Mortgage - Lori Dobrowolski
4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA
Guild Mortgage Company
4900 Spring St Suite 201 Studio B, Mt Pleasant, WI 53406, USA
U.S. Bank-Mortgage Loan Officer-Peter Cannon
4701 Washington Ave, Racine, WI 53406, USA
Brandy Stork - Mortgage Loan Officer
4708 Northwestern Ave, Racine, WI 53406, USA
Small Business Lender Racine WI
601 Lake Ave, Racine, WI 53403, USA
Chase Home Lending
5815 21st St, Racine, WI 53406, USA
Russell Ruegger-U.S. Bank Mortgage
4701 Washington Ave, Racine, WI 53406, USA
Wintrust Mortgage
5005 Washington Ave, Racine, WI 53406, USA
Cardinal Financial Company, Limited Partnership
2744 Old Ml Dr, Racine, WI 53405, USA
Jacob Cruse - CMG Home Loans
6218 Washington Ave a, Mt Pleasant, WI 53406, USA
Horicon Home Loans
411 E Lake St, Horicon, WI 53032, USA
U.S. Bank-Mortgage Loan Officer-Cara Sery
4701 Washington Ave, Racine, WI 53406, USA
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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: May 17, 2026.
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