Safe Rate Rankings

Best Conventional Mortgage Lenders in El Paso

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders77

Total Loans8,290

Median Rate Spread0.42%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,141Fees	0.486%Below	139
2	GECUCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$269Fees	0.483%Above	497
3	FirstLight Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Exceptional	$277Fees	0.431%Above	131
4	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,752Fees	0.122%Above	444
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,722Fees	0.011%Below	26
6	SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Sound	$603Credit	0.119%Above	21
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,874Fees	0.150%Above	696
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,630Fees	0.603%Above	480
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,958Fees	0.681%Above	66
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,649Fees	0.198%Above	49
11	Commerce Home Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,501Fees	0.627%Above	556
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,625Fees	0.313%Above	425
13	Rocky Mountain Mortgage CompanyIndependent Mortgage Company	Strong	Strong	Acceptable	Acceptable	Exceptional	$1,741Fees	0.187%Below	445
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,750Fees	0.174%Below	192
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,687Fees	0.569%Above	185
16	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,297Fees	0.663%Above	105
17	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,438Fees	0.485%Above	66
18	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,571Fees	0.135%Above	64
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,797Fees	0.589%Above	62
20	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,247Fees	0.541%Above	61
21	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,803Fees	0.612%Above	57
22	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,040Fees	0.296%Below	40
23	LOANPEOPLE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$2,956Fees	0.505%Above	313
24	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,593Fees	0.422%Above	233
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,976Fees	0.565%Above	168
26	EL PASO AREA TEACHERSCredit Union	Strong	Acceptable	Sound	Strong	Exceptional	$1,901Fees	0.449%Above	107
27	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Strong	$4,209Fees	0.214%Above	90
28	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,066Fees	0.758%Above	69
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,010Fees	0.106%Above	50
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,368Fees	0.444%Above	36
31	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,646Fees	0.132%Above	34
32	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,168Fees	0.050%Above	27
33	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,115Fees	0.717%Above	22
34	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,176Fees	0.425%Above	20
35	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,500Fees	0.989%Above	19
36	First National Bank TexasBank	Strong	Acceptable	Sound	Sound	Exceptional	$2,102Fees	0.033%Above	254
37	City BankBank	Strong	Acceptable	Strong	Sound	Strong	$2,921Fees	0.192%Below	119
38	AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,678Fees	0.182%Above	114
39	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,429Fees	0.088%Below	59
40	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,276Fees	0.177%Below	45
41	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,762Fees	0.464%Above	39
42	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,524Fees	0.555%Above	28
43	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,287Fees	0.300%Above	24
44	CADENCE LENDING GROUP, INC.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	Exceptional	$3,764Fees	0.310%Above	350
45	PATRIOT MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Acceptable	Sound	Exceptional	$4,282Fees	0.421%Above	250
46	WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,285Fees	0.501%Above	35
47	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,102Fees	0.662%Above	20
48	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,838Fees	0.562%Above	45
49	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,697Fees	1.281%Above	35
50	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$4,394Fees	0.444%Above	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.