10 Best Las Vegas Mortgage Lenders of 2021
Finding the right Las Vegas mortgage lender takes more than luck. We researched the market and recommend checking out these high-volume lenders.
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners and here's how we make money.
Despite what out-of-towners might think, most of what happens in Las Vegas stays in Las Vegas because it’s a decent place to live. Locals know that beyond the four-mile, neon-lit Strip is an abundant selection of neighborhoods and rich amenities for everyday living — parks, trails, good schools, golf courses, shopping districts and more.
Whether you plan to buy, refinance or remodel, a wide array of mortgage companies in Las Vegas compete for your business. Choosing one should involve more than a roll of the dice.
NerdWallet researched national and local Las Vegas mortgage lenders to find some of the best for a variety of borrowers. The following list is a good place to start.
These national companies shown in the table do a lot of business in Las Vegas and are among our top-rated mortgage lenders, as reviewed by NerdWallet.
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- 50+ mortgage lenders reviewed and rated by our team of experts.
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Why trust NerdWallet
- 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.
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Explore loans up to $500,000 with no impact on your credit score10 Best Las Vegas Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
580 | N/A | Learn more at New American Funding | ||
620 | 3% | Learn more at Rate | ||
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 loanDepot: NMLS#174457 Compare More Lenders on NerdWallet | 520 | 3.5% | Compare More Lenders on NerdWallet | |
 Bank of America: NMLS#399802 Compare More Lenders on NerdWallet | 660 | N/A | Compare More Lenders on NerdWallet | |
 Guild Mortgage: NMLS#3274 Compare More Lenders on NerdWallet | N/A | 3% | Compare More Lenders on NerdWallet | |
 Caliber: NMLS#15622 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Navy Federal: NMLS#399807 Compare More Lenders on NerdWallet | N/A | 0% | Compare More Lenders on NerdWallet | |
 Carrington: NMLS#2600 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Flagstar: NMLS#417490 Compare More Lenders on NerdWallet | 680 | 3% | Compare More Lenders on NerdWallet |
New American Funding: NMLS#6606
580
N/A
- Why We Like ItNew American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.Pros
- 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.
Cons- 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.
- Why We Like ItRate boasts a streamlined application process, with full underwriting in as little as one business day, though average fees are higher than many competitors’.Pros
- 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.
Cons- 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%
- Why We Like ItRocket Mortgage is the largest mortgage lender by volume, standing out for its range of affordable borrowing options, down payment assistance and closing cost credits.Pros
- 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.
Cons- 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.
- Why We Like ItWorking with LoanDepot partners offers the potential for a streamlined mortgage process and cash back, and the lender offers a wide variety of FHA loan types.Pros
- Offers a variety of repayment terms for fixed-rate loans.
- Does a substantial amount of business in FHA lending.
- mello smartloan product can streamline mortgage application, appraisal and title search.
Cons- Interest rates are not available on the website.
- Can't apply for a mortgage on the lender's mobile app.
Bank of America: NMLS#399802
National
85%
660
- Why We Like ItBank of America’s HELOC stands out for offering multiple types of rate discounts, especially for current Bank of America customers, and a fixed-rate option that can help keep payments predictable.Pros
- Charges no annual fee, application fee or closing costs.
- Publishes sample HELOC rates online.
- Offers multiple discounts, including autopay discount when using a Bank of America account.
Cons- Maximum CLTV is 85%, which is on the low side for HELOC lenders reviewed by NerdWallet.
- Charges an early account closure fee under some circumstances.
Guild Mortgage: NMLS#3274
N/A
3%
- Why We Like ItGuild offers a number of loans and programs that stand out, including renovation loans and home equity products. However, Guild does not have a mobile app, and interest rates aren’t published online.Pros
- Offers several programs to make homeownership more accessible.
- Offers loans for manufactured homes.
- Renovation loan options are available.
Cons- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
- Why We Like ItGood for: first-time home buyers, self-employed borrowers and those who may have credit challenges to overcome.Pros
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Offers financial assistance, such as grants for down payments or closing costs, to first-time home buyers who qualify.
- Supports military borrowers with extensive online resources and dedicated VA loan specialists.
Cons- No mortgage rates displayed online.
- Room to improve overall digital experience: No online chat for customer service, and mobile app has poor ratings and reviews.
- Doesn't offer home equity loans or lines of credit.
- Why We Like ItNavy Federal Credit Union stands out for having exceptionally low VA interest rates and fees.Pros
- Best-scoring VA lender for interest rates and fees.
- Offers VA refinancing.
- Specializes in working with military borrowers.
Cons- Does not offer VA renovation loans.
- Why We Like ItCarrington Mortgage offers loans for people who might have trouble qualifying for a mortgage elsewhere, like self-employed borrowers or those with heavy debt. However, its interest rates are on the high side.Pros
- Considers borrowers with bad credit, foreclosure or bankruptcy.
- Accepts self-employed borrowers.
- Mortgage origination fees are on the low side, according to the latest federal data.
Cons- Interest rates are on the high side, according to the latest federal data.
- Doesn’t post interest rates online.
- No online chat for customer service.
- Why We Like ItGood for: borrowers who want a wide range of choices — not only among mortgage products, but also in the channel they prefer, whether a branch, online or on the phone.Pros
- Offers a wide range of loan types and products, including FHA, VA and USDA.
- Borrowers can apply and track loan status online.
- Offers customized online rate quotes with monthly payment estimates, including mortgage insurance, when applicable.
Cons- Home equity loans are geographically limited.
- Origination fees are on the high side compared with other lenders, according to the latest federal data.
» MORE: See more Nevada mortgage lenders
Local mortgage lenders in Las Vegas
Looking for more lenders to check out? The following companies haven’t been reviewed by NerdWallet, but they do a lot of business in Las Vegas, with top market share.
Membership is available to gaming industry employees and their families.
Top FHA mortgage lender in Las Vegas.
Has five Las Vegas-area locations.
Offers home equity line of credit up to 90% of home value.
Helps borrowers compare rates and products from multiple lenders.
Provides online affordability, amortization, monthly payments and refinance calculators.
Offers an online short application to get a preapproval letter.
Has a full menu of loan products.
Offers FHA 203(k) loans for combining a home purchase or a refinance with repairs.
Offers “fix and flip” loans for investors.
Offers new construction loans.
Has a full range of loan products, including jumbo loans.
Offers a one-time close loan for lot purchase and construction.
Offers FHA 203(k) home renovation loans.
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Last updated on January 21, 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 Las Vegas Mortgage Lenders of 2021
- New American Funding: Best for borrowers with low credit score
- Rate: Best for online convenience
- Rocket Mortgage, LLC: Best for online convenience
- loanDepot: Best for FHA loans
- Bank of America: Best for home equity borrowers
- Guild Mortgage: Best for first-time home buyers
- Caliber: Best for first-time home buyers
- Navy Federal: Best for veterans
- Carrington: Best for borrowers with low credit score
- Flagstar: Best for home equity borrowers
