10 Best Nevada Mortgage Lenders of 2021
If you're looking to buy a home, refinance a mortgage or tap your home’s equity, get a lender that’s knowledgeable about Nevada and can suit your needs. We’ve boiled down the best Nevada mortgage lenders in five key categories.
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If you live in Nevada, two things are likely: You love living there — and you know how to pronounce the state’s name. If you’re looking to buy a home, refinance your mortgage or tap your home’s equity, you’ll want a lender that is knowledgeable about the state and can suit your needs.
Lenders may strive to be all-things-to-all-borrowers, but they typically have specialties. We’ve boiled down the best Nevada mortgage lenders in five in-demand categories for Silver State residents.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
10 Best Nevada Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
580 | 3% | Learn more at New American Funding | ||
620 | 3% | Learn more at Rate | ||
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 Bank of America: NMLS#399802 LEARN MORE on NerdWallet | 620 | N/A | LEARN MORE on NerdWallet | |
 loanDepot: NMLS#174457 LEARN MORE on NerdWallet | 620 | 5% | LEARN MORE on NerdWallet | |
 Guild Mortgage: NMLS#3274 LEARN MORE on NerdWallet | N/A | 3% | LEARN MORE on NerdWallet | |
 US Bank: NMLS#402761 LEARN MORE on NerdWallet | 620 | N/A | LEARN MORE on NerdWallet | |
 Carrington: NMLS#2600 LEARN MORE on NerdWallet | 500 | 3.5% | LEARN MORE on NerdWallet | |
Guild Mortgage: NMLS#3274 LEARN MORE on NerdWallet | 540 | 3.5% | LEARN MORE on NerdWallet | |
 Flagstar: NMLS#417490 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet |
Our pick for
first-time home buyers
If you’re looking for help in cracking the code to homeownership, these Nevada lenders prioritize first-time buyers.
New American Funding: NMLS#6606
580
3%
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Guild Mortgage: NMLS#3274
N/A
3%
- Offers several programs to make homeownership more accessible.
- Offers loans for manufactured homes.
- Renovation loan options are available.
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
Our pick for
online experience
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a HELOC that can be funded in as few as five business days.
- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
Rocket Mortgage, LLC: NMLS#3030
620
1%
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Our pick for
cash-out refinance
Nevada home values have nearly doubled in recent years. These lenders can help you access your home’s newfound equity.
Bank of America: NMLS#399802
620
National
- Offers down payment and closing cost assistance programs.
- May give existing customers a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Doesn't offer renovation loans that roll costs into a mortgage.
Our pick for
refinancing
If you still have some room to improve your mortgage interest rate or want new loan terms, these lenders are among the best for Nevadans.
loanDepot: NMLS#174457
620
National
- Has branches across the country for customers who prefer face-to-face service.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Mortgage interest rates tend to be on the lower end, according to the latest federal data.
- Mortgage rates aren't available online; you'll need to contact a loan officer.
- Doesn't offer home equity loans or lines of credit.
- Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
- Offers home equity loans and lines of credit.
- Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.
- Interest rates are on the low side relative to other lenders, according to the latest federal data.
- Borrowers can enter their information (including their desired loan amount, down payment and zip code) into the lender’s Mortgage Quote Comparison tool and receive a customized rate quote.
- Home equity loans are not available in all locations served by Flagstar.
- In 2022, the lender was fined for violating laws regarding properties in flood zones.
Our pick for
home equity borrowers
US Bank: NMLS#402761
National
90%
620
- Online tool lets you customize sample rate by location.
- Offers a fixed-rate payment option.
- High maximum loan amount compared with other lenders.
- Charges a fee for early repayment.
- Annual fee up to $75 (waived for certain banking customers).
Our pick for
borrowers with lower credit scores
These Nevada lenders are willing to work with borrowers who may have had a financial setback or two.
- Offers multiple low-down-payment loan programs.
- May consider alternative credit data, such as bank statements.
- You can view customized rates for purchasing a home and apply online.
- Doesn't offer home equity lines of credit.
- Lender fees are on the high side, according to the latest federal data.
- Was one of the top 10 lenders by volume for FHA lending in 2022, according to the latest federal data.
- Has retail branches in most states.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Origination fees for FHA loans tend to be on the high end, according to the latest federal data.
» MORE: Best Las Vegas mortgage lenders
More from NerdWallet
Last updated on January 29, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Nevada Mortgage Lenders of 2021
- New American Funding: Best for first-time home buyers
- Rate: Best for online experience
- Rocket Mortgage, LLC: Best for online experience
- Bank of America: Best for cash-out refinance
- loanDepot: Best for refinancing
- Guild Mortgage: Best for first-time home buyers
- US Bank: Best for home equity borrowers
- Carrington: Best for borrowers with lower credit scores
- Guild Mortgage: Best for borrowers with lower credit scores
- Flagstar: Best for refinancing
