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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in El Paso
Updated February 5, 2026
Market Overview
77
Total Lenders
8,290
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,741 | -0.187% | 445 | |
2 | First National Bank Texas | Exceptional | Strong | Exceptional | Exceptional | $2,102 | +0.033% | 254 | |
3 | FirstLight Federal Credit Union | Exceptional | Exceptional | Sound | Exceptional | $277 | +0.431% | 131 | |
4 | GECU | Exceptional | Strong | Strong | Exceptional | $269 | +0.483% | 497 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,141 | -0.486% | 139 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,874 | +0.150% | 696 | |
7 | SECURITY SERVICE FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | -$603 | +0.119% | 21 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,752 | +0.122% | 444 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,722 | -0.011% | 26 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,630 | +0.603% | 480 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,625 | +0.313% | 425 | |
12 | CADENCE LENDING GROUP, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,764 | +0.310% | 350 | |
13 | PATRIOT MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,282 | +0.421% | 250 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,958 | +0.681% | 66 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,649 | +0.198% | 49 | |
16 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | $3,501 | +0.627% | 556 | |
17 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | $2,956 | +0.505% | 313 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,687 | +0.569% | 185 | |
19 | EL PASO AREA TEACHERS | Strong | Acceptable | Strong | Exceptional | $1,901 | +0.449% | 107 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,297 | +0.663% | 105 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,797 | +0.589% | 62 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,010 | +0.106% | 50 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,040 | -0.296% | 40 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,176 | +0.425% | 20 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,593 | +0.422% | 233 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,750 | -0.174% | 192 | |
27 | City Bank | Strong | Acceptable | Strong | Strong | $2,921 | -0.192% | 119 | |
28 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,678 | +0.182% | 114 | |
29 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | $4,209 | +0.214% | 90 | |
30 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $4,066 | +0.758% | 69 | |
31 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,438 | +0.485% | 66 | |
32 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,571 | +0.135% | 64 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,247 | +0.541% | 61 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,803 | +0.612% | 57 | |
35 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,276 | -0.177% | 45 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,368 | +0.444% | 36 | |
37 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,646 | +0.132% | 34 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,976 | +0.565% | 168 | |
39 | MORTGAGE FINANCIAL SERVICES, LLC | Sound | Acceptable | Strong | Sound | $1,762 | +0.464% | 39 | |
40 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $2,107 | +0.697% | 29 | |
41 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,168 | +0.050% | 27 | |
42 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,287 | +0.300% | 24 | |
43 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,115 | +0.717% | 22 | |
44 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $2,264 | +0.471% | 20 | |
45 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $3,429 | -0.088% | 59 | |
46 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | $3,675 | +0.963% | 55 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,524 | +0.555% | 28 | |
48 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $2,509 | -0.046% | 23 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,394 | +0.444% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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