Refinancing lenders in Clark County
6,454 refinancing mortgages were made in Clark County, Nevada, in 2025, by 351 lenders. The median rate their borrowers got was 6.000% on a median loan of $365,000. Of 9,028 decisions, 1,922 were denials — 21.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 911 | 5.750% | $415,000 | 16.1% |
| Rocket Mortgage, LLC | 563 | 5.875% | $375,000 | 19.9% |
| AMERICA FIRST Federal Credit Union | 554 | 7.240% | $105,000 | 23.0% |
| FREEDOM MORTGAGE CORPORATION | 512 | 5.875% | $395,000 | 3.8% |
| PENNYMAC LOAN SERVICES, LLC | 236 | 5.990% | $405,000 | 15.0% |
| Zions Bancorporation, N.A. | 206 | 5.490% | $185,000 | 30.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 150 | 6.075% | $405,000 | 2.5% |
| Bank of America, National Association | 132 | 6.240% | $155,000 | 36.3% |
| Mortgage Research Center, LLC | 119 | 5.875% | $415,000 | 42.6% |
| NEWREZ LLC | 115 | 5.750% | $405,000 | 28.9% |
| GUILD MORTGAGE COMPANY | 112 | 5.990% | $395,000 | 5.7% |
| Loandepot.Com, LLC | 108 | 5.990% | $420,000 | 18.7% |
| LAKEVIEW LOAN SERVICING, LLC | 107 | 6.125% | $425,000 | 43.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 94 | 5.750% | $405,000 | 8.3% |
| JPMorgan Chase Bank, National Association | 85 | 6.125% | $315,000 | 11.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 80 | 6.125% | $245,000 | 10.0% |
| PLANET HOME LENDING, LLC | 72 | 5.750% | $395,000 | 16.9% |
| CMG MORTGAGE, INC. | 69 | 7.200% | $215,000 | 16.8% |
| U.S. Bank National Association | 69 | 6.250% | $355,000 | 26.3% |
| GUARANTEED RATE, INC. | 66 | 6.125% | $395,000 | 14.8% |
| FINANCE OF AMERICA REVERSE LLC | 61 | 6.500% | $255,000 | 10.1% |
| PHH Mortgage Corporation | 57 | 5.875% | $405,000 | 6.5% |
| NATIONSTAR MORTGAGE LLC | 56 | 6.063% | $355,000 | 16.7% |
| SILVER STATE SCHOOLS SERVICE COMPANY, LLC | 55 | 5.990% | $315,000 | 8.3% |
| Broker Solutions, Inc. | 54 | 6.250% | $325,000 | 19.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 51 | 6.250% | $385,000 | 8.8% |
| LONGBRIDGE FINANCIAL, LLC | 51 | 6.125% | $215,000 | 10.0% |
| Kiavi Funding, Inc. | 50 | 7.500% | $270,000 | 21.5% |
| Mountain America Federal Credit Union | 49 | 7.490% | $125,000 | 58.1% |
| LADERA LENDING, INC. | 48 | 7.688% | $200,000 | 3.9% |
| OCMBC, INC. | 34 | 7.125% | $310,000 | 10.0% |
| CLEARPATH LENDING | 34 | 5.625% | $395,000 | 5.6% |
| THE LOAN STORE, INC. | 33 | 6.625% | $365,000 | 7.1% |
| LoanUnited.com, LLC | 30 | 5.625% | $425,000 | 33.3% |
| Wells Fargo Bank, National Association | 30 | 5.688% | $335,000 | 26.8% |
| PENTAGON FEDERAL CREDIT UNION | 30 | 7.313% | $255,000 | 30.2% |
| Navy Federal Credit Union | 29 | 5.625% | $415,000 | 46.4% |
| Valley West Corporation | 29 | 5.990% | $305,000 | 13.5% |
| SOUTH RIVER MORTGAGE, LLC | 27 | 8.990% | $185,000 | 0.0% |
| CLARK COUNTY CREDIT UNION | 27 | 6.250% | $345,000 | 18.2% |
| V.I.P. MORTGAGE, INC. | 27 | 6.375% | $255,000 | 3.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 26 | 5.750% | $410,000 | 10.3% |
| ALLIANT CREDIT UNION | 26 | 8.250% | $155,000 | 30.8% |
| Fairway Independent Mortgage Corporation | 26 | 5.750% | $445,000 | 3.7% |
| Discover Bank | 21 | 8.830% | $105,000 | 78.1% |
| INTELLILOAN, INC. | 21 | 6.000% | $385,000 | 17.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 5.870% | $365,000 | 14.8% |
| KIND LENDING, LLC | 21 | 6.625% | $435,000 | 37.1% |
| SPRING EQ, LLC | 21 | 9.375% | $175,000 | 35.3% |
| AAA CAPITAL INVESTMENT, INC. | 21 | 6.625% | $345,000 | 9.7% |
| NBKC BANK | 20 | 5.688% | $510,000 | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 5.999% | $445,000 | 51.2% |
| HIGHTECHLENDING INC | 19 | 7.125% | $325,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.125% | $415,000 | 9.1% |
| East West Bank | 18 | 6.188% | $335,000 | 0.0% |
| A&D Mortgage LLC | 17 | 6.875% | $415,000 | 21.7% |
| Prosperity Home Mortgage, LLC | 17 | 6.124% | $455,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.375% | $385,000 | 4.6% |
| ONE NEVADA CREDIT UNION | 17 | 5.875% | $405,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 15 | 6.875% | $295,000 | 30.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 15 | 6.125% | $425,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 15 | 6.500% | $285,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 14 | 6.490% | $395,000 | 21.1% |
| Paramount Residential Mortgage Group, Inc. | 14 | 6.188% | $330,000 | 6.7% |
| MISSION LOANS, LLC | 13 | 6.875% | $295,000 | 11.1% |
| UNION HOME MORTGAGE CORP. | 13 | 6.125% | $465,000 | 7.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 13 | 6.250% | $355,000 | 35.0% |
| GoodLeap, LLC | 12 | 5.813% | $325,000 | 62.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 6.250% | $325,000 | 56.7% |
| Bethpage Federal Credit Union | 12 | 7.500% | $155,000 | 33.3% |
| Northpointe Bank | 12 | 6.750% | $460,000 | 14.3% |
| Nations Lending Corporation | 12 | 6.500% | $480,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 6.750% | $355,000 | 60.7% |
| CHAMPIONS FUNDING, LLC | 11 | 7.125% | $365,000 | 38.9% |
| General Mortgage Capital Corporation | 11 | 6.490% | $335,000 | 8.3% |
| MORIA DEVELOPMENT, INC. | 10 | 6.750% | $190,000 | 26.7% |
| Citadel Servicing Corporation | 10 | 6.999% | $345,000 | 5.6% |
| Barrington Bank & Trust Company, National Association | 10 | 5.870% | $370,000 | 0.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 43.8% |
| AMERICAN INTERNET MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| ONY GLO, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERITRUST MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ML Mortgage Corp. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GREATER NEVADA LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CAKE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ALOHA PACIFIC FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SimpliFi Mortgage Las Vegas, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 33.3% |
| PANORAMA MORTGAGE GROUP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DATA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FOUNDATION MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 54.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EVO HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GEORGIA'S OWN | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 85.7% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 66.7% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Allied First Bank,sb | 3 | Under 10 loans | Under 10 loans | 57.1% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SIMPLIFI MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rize Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 84.0% |
| Azuza LLC dba Z Loans Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDENWEST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INSPIRE HOME LOANS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 151 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.