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.

NerdWallet
Jan 21, 2021

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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.

» MORE: 5 tips for finding the right mortgage lender

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

Rocket Mortgage, LLC
Learn more

at Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

4.0

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 convenience online and on the go for a fully digital home loan experience with consistently acclaimed customer service.

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.

  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

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

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

  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.

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New American Funding
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at New American Funding

New American Funding: NMLS#6606

5.0

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: borrowers who need to be evaluated on the basis of nontraditional credit and those interested in various down payment assistance programs.

Pros

  • Uses manual underwriting to evaluate creditworthiness, in some cases.

  • Offers full online mortgage application, rate quotes, document upload and loan tracking.

Cons

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

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Guaranteed Rate
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at Guaranteed Rate

Guaranteed Rate: NMLS#2611

4.5

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 conventional or government-backed loans, and a totally online experience.

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.

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loanDepot
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loanDepot: NMLS#174457

3.5

NerdWallet rating 
loanDepot

Min. credit score

580

Min. down payment

3.5%
Read review

Why we like it

Good for: borrowers looking to refinance or who want to start the application process online.

Pros

  • Offers digital income, asset and employment verification.

  • Offers multiple renovation loan options.

  • Has affiliated loan stores 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.

Read Full Review
Bank of America
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Bank of America: NMLS#399802

4.5

NerdWallet rating 
Bank of America

National / regional

National

Max LTV

85%

Min. credit score

660
Read review

Min. credit score

660

Why we like it

Good for: first-time home buyers looking for low-down-payment options and existing customers who may get a discount on fees.

Pros

  • Offers down payment and closing cost assistance programs.

  • May give existing customers a discount on mortgage lender origination fees.

  • Offers home equity line of credit, or HELOC.

Cons

  • Doesn't offer renovation loans that roll costs into a mortgage.

Read Full Review
Guild Mortgage
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Guild Mortgage: NMLS#3274

4.0

NerdWallet rating 
Guild Mortgage

Min. credit score

620

Min. down payment

3%
Read review

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 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.

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

Read Full Review
Caliber
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Caliber: NMLS#15622

4.0

NerdWallet rating 
Caliber

Min. credit score

620

Min. down payment

3%
Read review

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.

  • 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.

Read Full Review
Navy Federal
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Navy Federal: NMLS#399807

3.5

NerdWallet rating 
Navy Federal

National / regional

National

Min. down payment

0%
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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 designed for military members.

  • Has an online application for preapproval.

  • Offers low rates compared with most lenders, according to the latest 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
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Carrington: NMLS#2600

4.5

NerdWallet rating 
Carrington

Min. credit score

620

Min. down payment

5%
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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 and rent payments.

  • You can view customized rates for purchasing a home and apply online.

Cons

  • Doesn't offer home equity loans, HELOCs or renovation mortgages.

  • Lender fees and mortgage rates are on the high side, according to the latest data.

Read Full Review
Flagstar
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Flagstar: NMLS#417490

5.0

NerdWallet rating 
Flagstar

National / regional

National

Max LTV

89%

Min. credit score

620
Read review

Min. credit score

620

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.

  • Has a full suite of online conveniences.

  • Offers customized online rate quotes with monthly payment estimates, including mortgage insurance, when applicable.

Cons

  • Home equity lending is geographically limited.

Read Full Review

» 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.

WestStar Credit Union

  • 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.

All Western Mortgage

  • 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.

Finance of America

  • 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.

Evergreen Home 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