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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 Conventional Mortgage Lenders in El Paso

Updated February 5, 2026

Market Overview

Total Lenders

8,290

Total Loans

0.42%

Median Rate Spread

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

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El Paso, TXConventional

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