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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.

Last updated on January 21, 2021
NerdWallet
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NerdWallet
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10 Best Las Vegas Mortgage Lenders of 2021

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Lender
NerdWallet Rating
Min. credit score
Min. down payment
Learn more
New American Funding

New American Funding: NMLS#6606

See Offers
at New American Funding
at New American Funding
4.5
/5
Home loans overall
Best for borrowers with low credit score

580

N/A

See Offers
at New American Funding
at New American Funding
Rate

Rate: NMLS#2611

5.0
/5
Home loans overall
Best for online convenience

620

3%

Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

See Offers
at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
4.5
/5
Home loans overall
Best for online convenience

620

1%

See Offers
at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
loanDepot

loanDepot: NMLS#174457

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on NerdWallet
4.5
/5
FHA loans
Best for FHA loans

520

3.5%

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on NerdWallet
Bank of America

Bank of America: NMLS#399802

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on NerdWallet
5.0
/5
HELOCs
Best for home equity borrowers

660

N/A

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on NerdWallet
Guild Mortgage

Guild Mortgage: NMLS#3274

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on NerdWallet
4.0
/5
Home loans overall
Best for first-time home buyers

N/A

3%

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on NerdWallet
Caliber

Caliber: NMLS#15622

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on NerdWallet
3.0
/5
Home loans overall
Best for first-time home buyers

620

3%

Compare More Lenders
on NerdWallet
Navy Federal

Navy Federal: NMLS#399807

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on NerdWallet
5.0
/5
VA loans
Best for veterans

N/A

0%

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on NerdWallet
Carrington

Carrington: NMLS#2600

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on NerdWallet
3.5
/5
Home loans overall
Best for borrowers with low credit score

620

3%

Compare More Lenders
on NerdWallet
Flagstar

Flagstar: NMLS#417490

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on NerdWallet
4.5
/5
Home equity loans
Best for home equity borrowers

680

3%

Compare More Lenders
on NerdWallet
New American Funding: Best for borrowers with low credit score
NMLS#6606
4.5
Home loans overall
Min. credit score
580
Min. down payment
N/A
Learn more
on New American Funding's website
on New American Funding's website
  • 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.
    Read full review
Rate: Best for online convenience
NMLS#2611
5.0
Home loans overall
Min. credit score
620
Min. down payment
3%
Learn more
on Rate's website
on Rate's website
  • 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.
    Read full review
Rocket Mortgage, LLC: Best for online convenience
NMLS#3030
4.5
Home loans overall
Min. credit score
620
Min. down payment
1%
Learn more
on Rocket Mortgage, LLC's website
on Rocket Mortgage, LLC's website
  • 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.
    Read full review
loanDepot: Best for FHA loans
NMLS#174457
4.5
FHA loans
Min. credit score
520
Min. down payment
3.5%
Compare More Lenders
on NerdWallet
  • 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.
    Read full review
Bank of America: Best for home equity borrowers
NMLS#399802
Max LTV
85%
Min. credit score
660
National / regional
National
Compare More Lenders
on NerdWallet
  • 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.
    Read full review
Guild Mortgage: Best for first-time home buyers
NMLS#3274
4.0
Home loans overall
Min. credit score
N/A
Min. down payment
3%
Compare More Lenders
on NerdWallet
  • 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.
    Read full review
Caliber: Best for first-time home buyers
NMLS#15622
3.0
Home loans overall
Min. credit score
620
Min. down payment
3%
Compare More Lenders
on NerdWallet
  • 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.
    Read full review
Navy Federal: Best for veterans
NMLS#399807
Min. down payment
0%
National / regional
National
Compare More Lenders
on NerdWallet
  • 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.
    Read full review
Carrington: Best for borrowers with low credit score
NMLS#2600
3.5
Home loans overall
Min. credit score
620
Min. down payment
3%
Compare More Lenders
on NerdWallet
  • 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.
    Read full review
Flagstar: Best for home equity borrowers
NMLS#417490
4.5
Home equity loans
Max LTV
85%
Min. credit score
680
Compare More Lenders
on NerdWallet
  • 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.
    Read full review

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

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