Valley West Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Valley West Mortgage
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
5 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
72%4 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Importantly, federal mortgage disclosure data does not include applicants' credit scores, so the analysis cannot account for differences in creditworthiness that may explain some disparities. This limitation applies to all lenders, making comparisons more consistent, but its impact may vary across lenders. These measures identify potential disparities, not proof of unfair treatment.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
Importantly, this measure is not included in the scores because a lender's closing likelihood might be pulled down by factors outside their control, such as differences in application volume. Nonetheless, there are clear performance differences between lenders even after these factors are controlled for, so it is included for informational purposes only.
Ready to get the lowest rate?
the lowest rate?See what Valley West Mortgage will actually offer you when it has to compete — in minutes, with no hit to your credit.
What Bankrate's editors think
Valley West Mortgage is a Nevada-based lender that offers conventional, FHA, VA, USDA and non-QM loans, licensed in 32 states. About 68% of its mortgages were priced below comparable loans in 2025, and it charges less in added costs than roughly 60% of comparable lenders, both strong marks. It also displays sample rates on its site, and advertises closing in 30 days or less, but doesn’t mention cash-back or other incentives.
It had no CFPB origination-related complaints in 2025, which earns it a top score there. About 1 in 8 approved loans here don’t make it to closing, a worse rate than many lenders we review. Keep in mind: closing can fall through for reasons beyond a lender’s control, such as an applicant walking away. Still, its competitive pricing earns it a 4-star Overall Rating and a 5-star Bankrate Rating, because the bids it wins through the Bankrate auction are priced more aggressively than its broader book.
At a glance
Good for borrowers in one of its 32 licensed states who want strong price competitiveness from a smaller lender. Not a good fit if you live outside its footprint, or if a strong closing track record matters to you — its share of approved loans that don’t reach closing lags behind many lenders we review.
What consumers say
Valley West Mortgage reviewers principally identify a reachable team, and separately credit the loan officer with being clear and patient. A smaller number address how quickly the loan closed, reporting that favorably as well. No negative theme recurs.
Best rate and Customer Service
From the very start, Vatche was so helpful and ensuring that we get the best rate possible. I like the honesty and the confidence that he will make sure that we get the best possible rate, and he definitely did! I’m also very pleased with Brittany! She was phenomenal with communicating, very responsive and was just very helpful from the beginning all the way through closing. Highly recommend!!!
Louise · Las Vegas
Exceptional Lending Team—Supportive and Reliable from Start to Closing!
I had an amazing experience working with Brittany, Kyle, and their entire lending team during my home purchase! From the beginning to closing day, they were professional, attentive, and always on top of everything. They kept me informed every step of the way, explained what to expect, and made sure I knew what was needed to keep the process moving forward. Buying a home can feel overwhelming, but having a team that communicates consistently and truly cares makes such a difference. I appreciated their regular updates, attention to detail, and willingness to answer my questions. I always felt supported and confident knowing they were taking care of my loan. Thank you, Brittany, Kyle, and the entire team, for your hard work and dedication in helping me purchase my home! I highly recommend their office to anyone looking for a knowledgeable, dependable lending team that stays involved throughout the entire process. Five stars and a heartfelt thank you!
Lesly G. · Las Vegas NV
The Best in the Business
I had a great experience with Valley West Mortage. Jesse (Loan Officer) was very helpful throughout the process. He explained everything to me and was through throughout the whole process. Brittany (Processor) was fast and got things done which helped me close earlier on my house. I would recommend them to anyone especually first time home buyers.
Sharmane S. · Las Vegas
Compare lenders
Get today's rates for youCompare Valley West Mortgage with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
Ready to see what Valley West Mortgage will really offer you?
See your real rate in minutes, with no hit to your credit.
