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 pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
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. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
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.
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
Summary: 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.
Great experience
I want to thank Jesse (Loan Officer) and Brittany (Loan Processor) for all their help and support throughout my loan process. Jesse was very professional and thorough in explaining each step, and he was always available and easy to reach whenever I had questions or concerns. I really appreciate the communication, patience, and dedication they both showed in helping me get qualified for my loan. It made the process a much better experience, and I look forward to working with Jesse and Brittany again in the future. I would definitely recommend Valley West Mortgage to anyone looking for a team that truly cares about their clients!
Edwin . · North Las Vegas, NV
Very thorough but definitely gets the jobs done
First time buyer, so many questions and they were so patient with me the whole time. Brittany was absolutely perfect! She was there and helped me every step of the way. Even through all my stress she was right there each and every time. the whole team is great! Jesse was also pretty great! The helped and worked me through obstacles the whole way! Very happy ending! Thank you so much, me and my kids arw so happy and proud!
Ashley · Texas
I felt great! Was amazing working with this bank !
Working with Jeff and Celeste, who were the ones who helped me throughout the entire process of buying my first home, was absolutely amazing. They were always there to help me, and the experience was very satisfying. They were always willing and available to assist me with any needs or questions I had. Even up until the very last day, they were attentive to anything that needed to be done and anything they could help me with. The truth is that working with them was a really great and wonderful experience. I truly enjoyed working with both of them. At first, I wasn’t planning on buying a home, but I was looking into different banks to see which one would be the best option to start the loan process. However, from the very first time I spoke with Jeff, I was really impressed by the way he made me feel and the confidence he gave me about how the process would go. He was always straightforward and clear, and he answered my questions with exactly the information I needed. From day one, he let me know whether or not I qualified for the loan, and throughout the entire process, he was there for me every step of the way, all the way until the very last day. I’m extremely grateful to both Jeff and his secretary, Celeste. They were a tremendous help and were always there, willing and ready to assist me with anything I needed. I truly appreciate everything they did for me throughout the process of buying my first home.
Brando M. · Berwick Pa
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.
