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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,741 | -0.187% | 445 | |
2 | First National Bank Texas | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,102 | +0.033% | 254 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,874 | +0.150% | 696 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,010 | +0.106% | 50 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,630 | +0.603% | 480 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,958 | +0.681% | 66 | |
7 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,438 | +0.485% | 66 | |
8 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,571 | +0.135% | 64 | |
9 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,247 | +0.541% | 61 | |
10 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,501 | +0.627% | 556 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,625 | +0.313% | 425 | |
12 | CADENCE LENDING GROUP, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,764 | +0.310% | 350 | |
13 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,956 | +0.505% | 313 | |
14 | PATRIOT MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,282 | +0.421% | 250 | |
15 | City Bank | Strong | Sound | Strong | Strong | Strong | $2,921 | -0.192% | 119 | |
16 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,762 | +0.464% | 39 | |
17 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,593 | +0.422% | 233 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,687 | +0.569% | 185 | |
19 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,678 | +0.182% | 114 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,297 | +0.663% | 105 | |
21 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $4,209 | +0.214% | 90 | |
22 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,066 | +0.758% | 69 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,797 | +0.589% | 62 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,368 | +0.444% | 36 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,524 | +0.555% | 28 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,500 | +0.989% | 19 | |
27 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,429 | -0.088% | 59 | |
28 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,107 | +0.697% | 29 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,168 | +0.050% | 27 | |
30 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,287 | +0.300% | 24 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,115 | +0.717% | 22 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,176 | +0.425% | 20 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,750 | -0.174% | 192 | |
34 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $3,675 | +0.963% | 55 | |
35 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,838 | +0.562% | 45 | |
36 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,102 | +0.662% | 20 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,976 | +0.565% | 168 | |
38 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Exceptional | Strong | Sound | $2,862 | +1.291% | 22 | |
39 | WILLOW BEND MORTGAGE COMPANY, LLC | Sound | Mediocre | Strong | Strong | Sound | $2,285 | +0.501% | 35 | |
40 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Strong | Sound | $3,236 | +0.661% | 21 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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