# EL PASO AREA TEACHERS

> **Canonical URL:** https://saferate.com/lenders/el-paso-area-teachers


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EL PASO AREA TEACHERS is a credit union, headquartered in El Paso, TX, serving borrowers across 2 states, with 119 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300SLOQGL2LEMSD33
- **Headquarters:** El Paso, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NM, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.440%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,951
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 119
- **Dollar Volume:** $27 million
- **Applications Received:** 157
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $229,202
- **Average Borrower Income:** $131,294
- **Average Property Value:** $325,840

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 113 | +0.464% | $1,855 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 41/100 (Sound)
- Refinance: 55 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 64 | $20M | -0.332% | Acceptable 🙂 |
| Refinance | 61/100 | 55 | $7M | +0.906% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 110 | 0.03% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| El Paso, TX | TX | 107 | 81/100 |

## Where This Lender Ranks

EL PASO AREA TEACHERS appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in El Paso, TX for Jumbo Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in El Paso, TX for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in El Paso, TX Credit Unions
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in El Paso, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in El Paso, TX
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does EL PASO AREA TEACHERS offer?

EL PASO AREA TEACHERS offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EL PASO AREA TEACHERS offer mortgages?

EL PASO AREA TEACHERS offers mortgages in 2 states: NM, TX.

### How competitive are EL PASO AREA TEACHERS's mortgage rates?

EL PASO AREA TEACHERS has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.440% above market average.

### What type of lender is EL PASO AREA TEACHERS?

EL PASO AREA TEACHERS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in El Paso, TX.

### What is EL PASO AREA TEACHERS's loan approval success rate?

EL PASO AREA TEACHERS has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/el-paso-area-teachers

### How to Cite

> "EL PASO AREA TEACHERS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/el-paso-area-teachers

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