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.
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- 50+ mortgage lenders reviewed and rated by our team of experts.
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Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
10 Best Nevada Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
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580 | N/A | See Offers at New American Funding | ||
620 | 3% | See Offers at Rate | ||
620 | 1% | See Offers at Rocket Mortgage, LLC | ||
620 | N/A | Compare More Lenders on NerdWallet | ||
520 | 5% | Compare More Lenders on NerdWallet | ||
N/A | 3% | Compare More Lenders on NerdWallet | ||
660 | N/A | Compare More Lenders on NerdWallet | ||
500 | 3.5% | Compare More Lenders on NerdWallet | ||
540 | 3.5% | Compare More Lenders on NerdWallet | ||
N/A | 3% | Compare More Lenders on NerdWallet |
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.
- 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.
ConsRead full review- 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.
- 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.
ConsRead full review- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
Our pick for
online experience
- 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.
ConsRead full review- Origination fees are on the high side, according to the latest federal data.
- HELOC requires immediate, full withdrawal of funds.
- 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.
ConsRead full review- 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.
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.
- Why we like itGood for: first-time home buyers looking for low- or no-down-payment options and homeowners interested in a home equity line of credit.Pros
- Offers down payment and closing cost assistance programs.
- May give existing customers a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
ConsRead full review- Doesn't offer renovation loans that roll costs into a mortgage.
Our 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.
- Why we like itGood 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.
ConsRead full review- Mortgage rates aren't available online; you'll need to contact a loan officer.
- Doesn't offer home equity loans or lines of credit.
- Why we like itFlagstar Bank, recently acquired by Mr. Cooper, stands out for a wide variety of refinance loan types and convenient digital tools that make it easy to shop rates online.Pros
- Solid variety of refinance loan types.
- Easy to shop for mortgage rates on the website.
- Closes loans faster than average.
ConsRead full review- Average origination fee is on the high side, according to the latest federal data.
- Doesn't offer energy-efficient mortgage refinances.
Our pick for
home equity borrowers
- Why we like itU.S. Bank’s HELOC offers a rate discount and an option to convert to a fixed rate. It has a generous maximum draw, but the lender charges an annual fee and early repayment penalty.Pros
- Online tool lets you customize sample rate by location.
- Offers a fixed-rate payment option.
- High maximum loan amount compared with other lenders.
ConsRead full review- Charges a fee for early repayment.
- Annual fee up to $75 (waived for certain banking customers).
Our 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.
- Why we like itCarrington Mortgage dedicates a large portion of its business to FHA loans and is experienced working with self-employed borrowers and those with heavy debt.Pros
- Considers borrowers with bad credit, foreclosure or bankruptcy.
- Accepts self-employed borrowers.
- FHA interest rates are on the low side, according to the latest federal data.
ConsRead full review- FHA origination fees are on the high side, according to the latest federal data.
- Doesn’t post interest rates online.
- No online chat for customer service.
- Why we like itGuild offers flexibility for borrowers with nontraditional credit. Down payment assistance is generous, especially for low-income borrowers in underserved communities.Pros
- Offers several programs to make homeownership more accessible.
- Offers loans for manufactured homes.
- Renovation loan options are available.
ConsRead full review- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
» MORE: Best Las Vegas mortgage lenders
More from NerdWallet
Last updated on January 29, 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.
NerdWallet's Best Nevada Mortgage Lenders of 2021
- New American Funding: Best for first-time home buyers
- 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
- U.S. 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