10 Best Nevada Mortgage Lenders of 2021
If you're looking to buy a home, refinance a mortgage or tap your home’s equity, get a lender that’s knowledgeable about Nevada and can suit your needs. We’ve boiled down the best Nevada mortgage lenders in five key categories.
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If you live in Nevada, two things are likely: You love living there — and you know how to pronounce the state’s name. If you’re looking to buy a home, refinance your mortgage or tap your home’s equity, you’ll want a lender that is knowledgeable about the state and can suit your needs.
Lenders may strive to be all-things-to-all-borrowers, but they typically have specialties. We’ve boiled down the best Nevada mortgage lenders in five in-demand categories for Silver State residents.
If you live in Nevada, two things are likely: You love living there — and you know how to pronounce the state’s name. If you’re looking to buy a home, refinance your mortgage or tap your home’s equity, you’ll want a lender that is knowledgeable about the state and can suit your needs.
Lenders may strive to be all-things-to-all-borrowers, but they typically have specialties. We’ve boiled down the best Nevada mortgage lenders in five in-demand categories for Silver State residents.
Best Nevada Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for first-time home buyers | 620 | 3% | Learn more at New American Funding |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online experience | 620 | 3% | Learn more at Guaranteed Rate |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online experience | 620 | 3% | Learn more at Rocket Mortgage, LLC |
![]() Bank of America: NMLS#399802 | Best for cash-out refinance | 620 | N/A | Read review |
![]() loanDepot: NMLS#174457 | Best for refinancing | 620 | N/A | Read review |
![]() Guild Mortgage: NMLS#3274 | Best for first-time home buyers | 620 | 3% | Read review |
![]() US Bank: NMLS#402761 | Best for home equity borrowers | 620 | N/A | Read review |
![]() Carrington: NMLS#2600 | Best for borrowers with lower credit scores | 500 | 3.5% | Read review |
![]() Guild Mortgage: NMLS#3274 | Best for borrowers with lower credit scores | N/A | 3.5% | Read review |
![]() Flagstar: NMLS#417490 | Best for refinancing | 620 | N/A | Read review |
Our pick for
first-time home buyers
If you’re looking for help in cracking the code to homeownership, these Nevada lenders prioritize first-time buyers.

at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding
Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%Our pick for
online experience

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
Our pick for
cash-out refinance
Nevada home values have nearly doubled in recent years. These lenders can help you access your home’s newfound equity.
Bank of America: NMLS#399802

Min. credit score
620National / regional
NationalOur pick for
refinancing
If you still have some room to improve your mortgage interest rate or want new loan terms, these lenders are among the best for Nevadans.
loanDepot: NMLS#174457

Min. credit score
620National / regional
NationalFlagstar: NMLS#417490

Min. credit score
620National / regional
NationalOur pick for
home equity borrowers
US Bank: NMLS#402761

National / regional
NationalMax LTV
80%Min. credit score
620Our pick for
borrowers with lower credit scores
These Nevada lenders are willing to work with borrowers who may have had a financial setback or two.
Carrington: NMLS#2600

Min. credit score
500Min. down payment
3.5%Guild Mortgage: NMLS#3274

Min. credit score
N/AMin. down payment
3.5%Last updated on January 29, 2021
Methodology
To recap our selections...
NerdWallet's Best Nevada Mortgage Lenders of 2021
- New American Funding: Best for first-time home buyers
- Guaranteed Rate: Best for online experience
- Rocket Mortgage, LLC: Best for online experience
- Bank of America: Best for cash-out refinance
- loanDepot: Best for refinancing
- Guild Mortgage: Best for first-time home buyers
- US Bank: Best for home equity borrowers
- Carrington: Best for borrowers with lower credit scores
- Guild Mortgage: Best for borrowers with lower credit scores
- Flagstar: Best for refinancing