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.

By NerdWallet 

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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.

Best Las Vegas Mortgage Lenders

New American Funding
Learn more

at New American Funding

New American Funding: NMLS#6606

4.5

NerdWallet rating 
New American Funding

Min. credit score

620

Min. down payment

3%
Learn more

at New American Funding


Why we like it

Good for: First-time home buyers and other borrowers looking for a broad array of loan choices.

Pros

  • Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.

  • Its home equity line of credit can be used for an owner-occupied or second home.

  • Offers a program to enable buyers to make cash offers.

Cons

  • Mortgage origination fees tend to be on the high end, according to the latest federal data.

Read Full Review
Guaranteed Rate
Learn more

at Guaranteed Rate

Guaranteed Rate: NMLS#2611

5.0

NerdWallet rating 
Guaranteed Rate

Min. credit score

620

Min. down payment

3%
Learn more

at Guaranteed Rate


Why we like it

Good for: borrowers seeking a solid variety of loan types, including jumbo and interest-only options, and a totally online experience.

Pros

  • Displays detailed sample rates for many of its loan products.

  • Offers a wide variety of loans, including jumbo and interest-only products.

  • Offers low rates compared with other lenders, according to the latest federal data.

Cons

  • Doesn't offer home equity loans.

Read Full Review
Rocket Mortgage, LLC
Learn more

at Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

4.5

NerdWallet rating 
Rocket Mortgage, LLC

Min. credit score

620

Min. down payment

3%
Learn more

at Rocket Mortgage, LLC


Why we like it

Good for: borrowers who appreciate a fully digital home loan experience with mortgage rates lower than other lenders’.

Pros

  • Streamlined online process with document and asset retrieval capabilities, as well as the ability to edit your preapproval letter.

  • Mortgage interest rates are on the low side compared to other lenders, according to the latest federal data.

  • Offers the option to work with loan officers by phone if desired.

Cons

  • Getting a customized interest rate requires a credit check, which can affect your credit score.

  • Doesn't offer home equity lines of credit.

  • Origination fees are on the high side compared with other lenders, according to the latest federal data.

Read Full Review

loanDepot: NMLS#174457

3.5

NerdWallet rating 
loanDepot

Min. credit score

520

Min. down payment

3.5%

Why we like it

Good for: borrowers who want an easy online application and a variety of loan types to explore.

Pros

  • 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.

Cons

  • Mortgage rates aren't available online; you'll need to contact a loan officer.

  • Doesn't offer home equity loans or lines of credit.

Read Full Review

Bank of America: NMLS#399802

5.0

NerdWallet rating 
Bank of America

National / regional

National

Max LTV

85%

Min. credit score

660

Min. credit score

660

Why we like it

Bank of America's lack of annual fees and fixed-rate option make it a good choice for borrowers who prioritize definitive long-term financial planning.

Pros

  • Offers a fixed-rate option.

  • Borrowing limit up to 85% CLTV.

  • No annual fees.

  • Offers paths for rate discounts.

Cons

  • Best rates assume an initial withdrawal at opening.

Read Full Review

Guild Mortgage: NMLS#3274

3.5

NerdWallet rating 
Guild Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Good for: borrowers who value customer service, and first-time home buyers and others who may need the flexibility of a low-down-payment loan program.

Pros

  • Offers a wide variety of loan products, including home improvement loans and mortgages for manufactured homes.

  • Has retail branches in most states.

  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Cons

  • Does not offer home equity loan products.

  • Origination fees tend to be higher, according to the latest federal data.

Read Full Review

Caliber: NMLS#15622

3.5

NerdWallet rating 
Caliber

Min. credit score

620

Min. down payment

3%

Why we like it

Good for: first-time home buyers, veterans and those who may have credit challenges to overcome.

Pros

  • Offers extensive educational resources for military borrowers.

  • Participates in some 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.

Read Full Review

Navy Federal: NMLS#399807

4.0

NerdWallet rating 
Navy Federal

National / regional

National

Min. down payment

0%

Why we like it

Good for: military members and their families looking for low-down-payment mortgages.

Pros

  • Offers a wide range of affordable mortgage products, including 0% down payment loans, designed for military members.

  • Offers HELOCs and home equity loans.

  • Offers low rates compared with most lenders, according to the latest federal data.

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.

Read Full Review

Carrington: NMLS#2600

4.5

NerdWallet rating 
Carrington

Min. credit score

620

Min. down payment

5%

Why we like it

Good for: first-time home buyers or credit-challenged borrowers interested in government loan products.

Pros

  • 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.

Cons

  • Doesn't offer home equity lines of credit.

  • Lender fees are on the high side, according to the latest federal data.

Read Full Review

Flagstar: NMLS#417490

4.5

NerdWallet rating 
Flagstar

National / regional

National

Max LTV

89%

Min. credit score

680

Min. credit score

680

Why we like it

Good 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