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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 VA 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 | First National Bank Texas | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,102 | +0.033% | 254 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,874 | +0.150% | 696 | |
3 | Rocky Mountain Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,741 | -0.187% | 445 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,141 | -0.486% | 139 | |
5 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,752 | +0.122% | 444 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,625 | +0.313% | 425 | |
7 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,438 | +0.485% | 66 | |
8 | CADENCE LENDING GROUP, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,764 | +0.310% | 350 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,687 | +0.569% | 185 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,010 | +0.106% | 50 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,040 | -0.296% | 40 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,176 | +0.425% | 20 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,630 | +0.603% | 480 | |
14 | City Bank | Strong | Sound | Strong | Exceptional | Strong | $2,921 | -0.192% | 119 | |
15 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,571 | +0.135% | 64 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,247 | +0.541% | 61 | |
17 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,276 | -0.177% | 45 | |
18 | PATRIOT MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,282 | +0.421% | 250 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $2,524 | +0.555% | 28 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,750 | -0.174% | 192 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,297 | +0.663% | 105 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,797 | +0.589% | 62 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,803 | +0.612% | 57 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,368 | +0.444% | 36 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,593 | +0.422% | 233 | |
26 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,678 | +0.182% | 114 | |
27 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $4,209 | +0.214% | 90 | |
28 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,762 | +0.464% | 39 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,168 | +0.050% | 27 | |
30 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,264 | +0.471% | 20 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,500 | +0.989% | 19 | |
32 | Commerce Home Mortgage, Inc. | Strong | Mediocre | Strong | Strong | Exceptional | $3,501 | +0.627% | 556 | |
33 | LOANPEOPLE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,956 | +0.505% | 313 | |
34 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,429 | -0.088% | 59 | |
35 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,838 | +0.562% | 45 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,107 | +0.697% | 29 | |
37 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $2,509 | -0.046% | 23 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,976 | +0.565% | 168 | |
39 | THE MORTGAGE LINK, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,066 | +0.758% | 69 | |
40 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | Strong | $3,675 | +0.963% | 55 | |
41 | WILLOW BEND MORTGAGE COMPANY, LLC | Sound | Mediocre | Strong | Strong | Sound | $2,285 | +0.501% | 35 | |
42 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Sound | 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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