Las Vegas FHA Loan Rates, Closing Costs & Stats

LAS VEGAS-HENDERSON-PARADISE, NV

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Las Vegas's 173 lenders originated 8,831 FHA loans during 2024. The total origination value was $3,239,935,000, with an average FHA loan value of $366,882.

    Las Vegas FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Las Vegas averaged -0.14% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Las Vegas's average FHA mortgage closing costs are $10,065.

    The average rate for the prior week (2025-06-13) was 6.34% and one month ago for the week of 2025-05-16, the average rate was 6.4%.

    The average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.53%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Las Vegas FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Las Vegas level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 993 6.11% $14,650
    GUILD MORTGAGE COMPANY 745 6.13% $14,730
    DHI MORTGAGE COMPANY, LTD. 499 5.16% $10,009
    QUICKEN LOANS, LLC 358 6.17% $14,019
    LOANDEPOT.COM, LLC 351 6.19% $13,403
    BROKER SOLUTIONS, INC. 291 6.21% $15,003
    EAGLE HOME MORTGAGE, LLC 274 4.77% $12,193
    KBHS HOME LOANS, LLC 254 5.50% $12,409
    FREEDOM MORTGAGE CORPORATION 222 6.37% $13,444
    HOMEAMERICAN MORTGAGE CORPORATION 195 5.10% $8,773
    GUARANTEED RATE, INC. 186 6.48% $14,636
    PENNYMAC LOAN SERVICES, LLC 183 6.12% $13,764
    CROSSCOUNTRY MORTGAGE, LLC 161 6.54% $14,576
    INSPIRE HOME LOANS INC. 157 5.42% $12,464
    SECURITYNATIONAL MORTGAGE COMPANY 130 6.77% $15,163
    CMG MORTGAGE, INC. 129 6.39% $17,287
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 105 6.85% $14,553
    Paramount Residential Mortgage Group, Inc. 101 6.43% $13,794
    PULTE MORTGAGE LLC 94 5.21% $9,727
    MOVEMENT MORTGAGE, LLC 92 6.74% $15,790
    MORIA DEVELOPMENT, INC. 84 6.86% $15,284
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 78 6.37% $15,645
    Century Mortgage Company DBA Century Lending Company 74 6.38% $13,359
    AMERICAN FINANCIAL NETWORK, INC. 73 6.42% $17,427
    MUTUAL OF OMAHA MORTGAGE, INC. 71 6.28% $16,102
    LAKEVIEW LOAN SERVICING, LLC 64 6.23% $8,641
    ONE NEVADA CREDIT UNION 63 5.79% $11,294
    RMS & Associates 61 6.72% $15,405
    CARDINAL FINANCIAL 61 6.43% $15,647
    ALLIED MORTGAGE GROUP, INC. 56 6.37% $14,424
    American Mortgage & Equity Consultants, Inc. 55 6.71% $15,817
    FBC MORTGAGE, LLC 55 6.23% $15,407
    Mr. Cooper ( Nationstar Mortgage ) 53 6.44% $15,840
    LOANPAL, LLC 50 5.55% $14,928
    PANORAMA MORTGAGE GROUP, LLC 49 6.69% $17,145
    OCMBC, INC. 48 6.81% $16,162
    The Loan Store, Inc. 46 6.17% $13,631
    NOVA FINANCIAL & INVESTMENT CORPORATION 46 6.47% $11,908
    ML Mortgage Corp. 45 6.71% $13,862
    CANOPY MORTGAGE, LLC 43 6.41% $16,624
    Prosperity Home Mortgage, LLC 41 6.12% $13,987
    Equity Prime Mortgage LLC 41 7.10% $15,440
    GENEVA FINANCIAL, LLC 39 7.02% $16,649
    VILLAGE CAPITAL MORTGAGE 39 6.29% $7,442
    CASTLE & COOKE MORTGAGE, LLC 39 6.51% $14,721
    NEWREZ LLC 38 6.37% $12,162
    SUN WEST MORTGAGE COMPANY, INC. 34 6.19% $13,682
    Plains Commerce Bank 33 6.11% $14,391
    AmeriHome Mortgage Company, LLC 32 6.26% $13,582
    PLANET HOME LENDING, LLC 30 6.13% $10,332
    ZILLOW HOME LOANS, LLC 30 6.13% $14,029
    AMERICAN PACIFIC MORTGAGE CORPORATION 29 6.57% $17,201
    BAY EQUITY LLC 29 6.81% $12,830
    CLARK COUNTY CREDIT UNION 29 5.89% $15,374
    Flagstar Bank, FSB 29 6.27% $10,547
    Carrington Mortgage Services, LLC 28 6.29% $17,442
    Nations Lending Corporation 27 6.62% $11,856
    AXIA FINANCIAL, LLC 26 6.57% $14,881
    MORTGAGE MANAGEMENT CONSULTANTS, INC. 24 6.80% $12,272
    U.S. Bank 24 6.09% $14,477
    V.I.P. MORTGAGE, INC. 24 6.25% $14,724
    PLAZA HOME MORTGAGE, INC. 21 7.07% $14,176
    Sierra Pacific Mortgage Company, Inc. 21 6.16% $14,824
    FIRST COLONY MORTGAGE CORPORATION 19 6.22% $13,808
    EVERETT FINANCIAL, INC. 19 6.87% $13,299
    Franklin Loan Corporation 19 6.15% $16,314
    DATA MORTGAGE, INC. 19 6.64% $13,909
    First Option Mortgage, LLC 19 6.72% $16,199
    LEADERONE FINANCIAL CORPORATION 19 6.80% $12,236
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 18 6.13% $13,320
    MID AMERICA MORTGAGE, INC. 18 7.38% $11,140
    Bank of England 17 6.32% $16,323
    HOMEBRIDGE FINANCIAL SERVICES, INC. 16 6.38% $8,977
    AMERISAVE MORTGAGE CORPORATION 16 5.94% $16,819
    PHH Mortgage Corporation 15 5.66% $10,028
    MICHIGAN MUTUAL, INC. 14 6.42% $14,885
    AMERICAN FINANCING CORPORATION 14 5.96% $15,339
    TOP FLITE FINANCIAL, INC. 14 6.75% $20,026
    LADERA LENDING, INC. 14 6.44% $11,868
    HighTechLending Inc 14 6.40% $14,427
    PREMIER MORTGAGE RESOURCES, L.L.C. 13 6.45% $15,751
    MORTGAGE SOLUTIONS OF COLORADO, LLC 12 6.88% $15,477
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.66% $12,840
    INTELLILOAN, INC. 12 6.23% $7,299
    RESIDENTIAL BANCORP 11 6.51% $20,962
    HOMESIDE FINANCIAL, LLC 11 6.22% $12,327
    PRIMARY RESIDENTIAL MORTGAGE, INC. 11 6.41% $11,497
    Golden Empire Mortgage, Inc. 11 6.18% $12,355
    NATIONS DIRECT MORTGAGE, LLC 10 6.93% $17,390
    JPMorgan Chase Bank 10 6.44% $7,410
    TBI MORTGAGE COMPANY 9 5.60% $14,849
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 9 6.51% $11,783
    INTERCAP LENDING INC. 9 6.46% $13,671
    Ixonia Bank 9 6.53% $13,999
    CLM MORTGAGE, INC 9 5.78% $20,310
    UNION HOME MORTGAGE CORP. 9 6.26% $14,047
    BAY-VALLEY MORTGAGE GROUP 9 6.28% $16,056
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 9 6.44% $11,768
    Commerce Home Mortgage, Inc. 8 6.48% $14,521
    Wells Fargo Bank 8 5.86% $14,938
    South Pacific Financial Corporation 8 5.47% $11,625
    FIRST COMMUNITY MORTGAGE, INC. 7 6.59% $12,749
    CHURCHILL MORTGAGE CORPORATION 7 6.27% $17,484
    AMERICA FIRST 7 6.45% $12,094
    CALCON MUTUAL MORTGAGE LLC 7 6.50% $19,264
    Zions Bank 6 6.48% $11,503
    S1L, Inc. 6 6.08% $16,517
    NBKC BANK 6 6.08% $8,926
    DAS Acquisition Company, LLC 6 6.56% $14,357
    INFINITY EQUITY GROUP, INC. 6 6.15% $13,247
    OPEN MORTGAGE, LLC 6 7.39% $19,430
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 7.00% $14,986
    ALAMEDA MORTGAGE CORPORATION 5 6.57% $13,674
    UNITED MORTGAGE CORP 5 6.68% $17,077
    MOUNTAIN AMERICA 5 5.48% $13,168
    BM Real Estate Services, Inc. 5 6.40% $12,166
    AMERICAN FINANCIAL RESOURCES, INC. 5 6.33% $13,211
    GREATER NEVADA LLC 4 6.75% $11,689
    LAND HOME FINANCIAL SERVICES, INC. 4 7.38% $17,980
    SWBC MORTGAGE CORPORATION 4 7.31% $11,759
    BETTER MORTGAGE CORPORATION 4 5.66% $14,916
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 4 6.50% $17,208
    Hometown Equity Mortgage, LLC 4 6.34% $15,470
    BELEM SERVICING LLC 4 6.59% $11,217
    T2 FINANCIAL LLC 4 6.98% $13,121
    CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.54% $14,686
    Mortgage Research Center, LLC 3 6.75% $10,330
    NEW WAVE LENDING GROUP INC 3 6.50% $15,149
    The Federal Savings Bank 3 6.29% $22,249
    JMAC LENDING, INC. 3 5.88% $10,984
    BECKAM FUNDING CORP. 3 7.42% $18,379
    ONY GLO, INC. 3 6.71% $13,177
    DIRECT MORTGAGE LOANS, LLC 3 6.13% $16,101
    VAN DYK MORTGAGE CORPORATION 3 6.79% $12,577
    Magnolia Bank 3 6.21% $15,754
    NMSI, INC. 2 5.81% $12,003
    First-Citizens Bank & Trust Company 2 5.69% $14,317
    DIRECT MORTGAGE, CORP. 2 6.75% $17,662
    Home Mortgage Alliance Corp 2 6.50% $17,315
    Pacific Lending LLC 2 6.63% $14,137
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.44% $14,411
    Bank of America 2 6.00% $17,211
    PENTAGON FEDERAL CREDIT UNION 2 6.25% $14,009
    Arvest Bank 2 6.25% $9,602
    AMERITRUST MORTGAGE CORPORATION 2 5.87% $17,191
    SUN AMERICAN MORTGAGE COMPANY 2 6.59% $10,844
    Town Square Mortgage & Investments, Inc. 2 6.50% $17,917
    Axos Bank 1 6.00% $14,787
    SUMMIT FUNDING, INC. 1 6.99% $11,119
    Goldwater Bank, N.A. 1 5.75% $26,226
    Sunflower Bank 1 5.63% $12,106
    Performance Financial, Inc. 1 6.25% $13,238
    Barrington Bank & Trust Company, N.A. 1 5.75% $14,117
    NP, Inc. 1 7.25% $12,840
    North American Savings Bank, F.S.B. 1 5.75% $16,741
    Texana Bank 1 7.00% $16,062
    NexBank 1 5.63% $11,057
    NEW DAY FINANCIAL, LLC 1 7.50% $6,303
    TJC Mortgage, Inc. 1 7.00% $17,205
    NETWORK CAPITAL FUNDING CORPORATION 1 6.50% $16,473
    GEO-CORP, INC. 1 7.25% $24,185
    Umpqua Bank 1 6.50% $12,630
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.75% $15,076
    A&D Mortgage LLC 1 6.50% $23,740
    MORTGAGEONE, INC. 1 6.25% $11,461
    CITYWIDE HOME LOANS, LLC 1 6.25% $17,783
    MLD MORTGAGE INC. 1 5.63% $13,836
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.25% $10,472
    Cornerstone First Mortgage, Inc 1 6.63% $15,588
    JMJ FINANCIAL GROUP 1 6.63% $8,835
    Willamette Valley Bank 1 6.75% $11,424
    SeaTrust Mortgage Company 1 5.75% $15,888
    AmRes Corporation 1 7.25% $13,119

    The top Las Vegas FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 993 FHA loans originated. Their average total fees are $14,650, which is $80 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee Las Vegas FHA lenders (with over 10 loans originated) are INTELLILOAN, INC. ($7,299), JPMorgan Chase Bank ($7,410), VILLAGE CAPITAL MORTGAGE ($7,442), LAKEVIEW LOAN SERVICING, LLC ($8,641) and HOMEAMERICAN MORTGAGE CORPORATION ($8,773).

    The lowest rate Las Vegas FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.77%), HOMEAMERICAN MORTGAGE CORPORATION (5.10%), DHI MORTGAGE COMPANY, LTD. (5.16%), PULTE MORTGAGE LLC (5.21%) and INSPIRE HOME LOANS INC. (5.42%).

    Las Vegas FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    LAS VEGAS-HENDERSON-PARADISE, NV CLARK 2022 $420,680 $538,650 $651,050 $809,150
    LAS VEGAS-HENDERSON-PARADISE, NV CLARK 2023 $494,500 $633,050 $765,200 $950,950

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).