BEST OF
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.
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.
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.
Summary of Best Las Vegas Mortgage Lenders of 2021
| Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
|---|---|---|---|---|
Best for first-time home buyers | 620 | 3% | Read review | |
Best for first-time home buyers | 620 | 3% | Read review | |
Best for FHA loans | 580 | 3.5% | at loanDepot | |
Best for veterans | N/A | 0% | Read review | |
Best for borrowers with low credit score | 620 | 3% | at New American Funding | |
Best for borrowers with low credit score | 620 | 3% | Read review | |
Best for online convenience | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for online convenience | 620 | 3% | at Guaranteed Rate | |
Best for home equity borrowers | 620 | 3% | Read review | |
Best for home equity borrowers | 620 | 3% | Read review |
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers extensive educational resources for military borrowers.
- Provides digital tools for a streamlined application process.
- Participates in some state down payment assistance and first-time home buyer programs.
Cons
- No mortgage rates displayed online.
- Doesn’t offer home equity loans or lines of credit.
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers multiple online conveniences, including a full mortgage application, e-signatures and digital loan process tracking.
- Offers a wide variety of loan products, including home improvement and manufactured home loans.
Cons
- Does not offer home equity loan products.
- Average interest rates and fees are higher than other lenders.
at loanDepot
at loanDepot
Min. Credit Score
580
Min. Down Payment
3.5%
Pros
- Offers digital income, asset and employment verification.
- Offers multiple renovation loan options.
- Has over 200 affiliated loan stores nationwide for customers who prefer face-to-face service.
Cons
- Mortgage rates aren't available online; you'll need to contact a loan officer.
- Does not offer home equity loans or lines of credit.
National / Regional
National
Min. Down Payment
0%
Pros
- Offers a wide range of affordable mortgage products designed for military members.
- Has an online application for preapproval.
- Offers low rates compared with most lenders.
Cons
- Website does not provide customized mortgage rates based on credit score or other factors before you apply.
- Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.
at New American Funding
at New American Funding
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Uses manual underwriting to evaluate creditworthiness.
- Offers full online mortgage application, rate quotes, document upload and loan tracking.
Cons
- Mortgage rates offered to borrowers are higher than the government-reported median of all lenders.
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers multiple low-down-payment loan programs.
- May consider alternative credit data, like bank statements and rent payments.
Cons
- To get sample rates, you'll have to speak with a loan officer.
- Doesn't offer home equity loans or HELOC.
at Rocket Mortgage by Quicken Loans
at Rocket Mortgage by Quicken Loans
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Offers document and asset retrieval capabilities.
Cons
- If you’re a “look me in the eye” type of customer, you’re out of luck.
- Getting a customized interest rate requires a credit check, which can lower your credit score by a few points.
at Guaranteed Rate
at Guaranteed Rate
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
National / Regional
National
Max LTV
89%
Pros
- Offers a wide range of loan types and products, including FHA, VA and USDA.
- Has a full suite of online conveniences.
- Does well with rate transparency, and monthly payment estimates add mortgage insurance, when applicable.
Cons
- Home equity lending is geographically limited.
National / Regional
National
Pros
- Allows borrowers to apply entirely online.
- Offers down payment and closing cost assistance programs.
- May give existing customers a discount on mortgage lender origination fees.
Cons
- Does not offer renovation loans.
» 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.
More from NerdWallet:
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.
To recap our selections...
NerdWallet's Best Las Vegas Mortgage Lenders of 2021
- Caliber: Best for first-time home buyers
- Guild Mortgage: Best for first-time home buyers
- loanDepot: Best for FHA loans
- Navy Federal: Best for veterans
- New American Funding: Best for borrowers with low credit score
- Carrington: Best for borrowers with low credit score
- Rocket Mortgage by Quicken Loans: Best for online convenience
- Guaranteed Rate: Best for online convenience
- Flagstar: Best for home equity borrowers
- Bank of America: Best for home equity borrowers
