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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 Company Lenders in El Paso
Updated February 5, 2026
Market Overview
43
Total Lenders
6,203
Total Loans
0.50%
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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,874 | +0.150% | 696 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,630 | +0.603% | 480 | |
4 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,625 | +0.313% | 425 | |
5 | CADENCE LENDING GROUP, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,764 | +0.310% | 350 | |
6 | PATRIOT MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,282 | +0.421% | 250 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,958 | +0.681% | 66 | |
8 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | $3,501 | +0.627% | 556 | |
9 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | $2,956 | +0.505% | 313 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,687 | +0.569% | 185 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,297 | +0.663% | 105 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,797 | +0.589% | 62 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,010 | +0.106% | 50 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,040 | -0.296% | 40 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,176 | +0.425% | 20 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,593 | +0.422% | 233 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,750 | -0.174% | 192 | |
18 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,678 | +0.182% | 114 | |
19 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $4,066 | +0.758% | 69 | |
20 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,438 | +0.485% | 66 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,803 | +0.612% | 57 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,368 | +0.444% | 36 | |
23 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,646 | +0.132% | 34 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,976 | +0.565% | 168 | |
25 | MORTGAGE FINANCIAL SERVICES, LLC | Sound | Acceptable | Strong | Sound | $1,762 | +0.464% | 39 | |
26 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $2,107 | +0.697% | 29 | |
27 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,168 | +0.050% | 27 | |
28 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,287 | +0.300% | 24 | |
29 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,115 | +0.717% | 22 | |
30 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $2,264 | +0.471% | 20 | |
31 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $3,429 | -0.088% | 59 | |
32 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | $3,675 | +0.963% | 55 | |
33 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $3,838 | +0.562% | 45 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,524 | +0.555% | 28 | |
35 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $2,509 | -0.046% | 23 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,394 | +0.444% | 20 | |
37 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Sound | $4,102 | +0.662% | 20 | |
38 | WILLOW BEND MORTGAGE COMPANY, LLC | Sound | Mediocre | Strong | Sound | $2,285 | +0.501% | 35 | |
39 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $3,697 | +1.281% | 35 | |
40 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Sound | $2,862 | +1.291% | 22 | |
41 | First Option Mortgage, LLC | Sound | Mediocre | 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 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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