# PATRIOT MORTGAGE COMPANY

> **Canonical URL:** https://saferate.com/lenders/patriot-mortgage


> **📋 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


PATRIOT MORTGAGE COMPANY is a independent mortgage company, headquartered in EL PASO, TX, with 253 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 14% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GZJ5RFM7VED177
- **Headquarters:** EL PASO, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99%
- **Brokered/Wholesale:** 1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.429%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,318
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 253
- **Dollar Volume:** $70 million
- **Applications Received:** 309
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $276,660
- **Average Borrower Income:** $99,178
- **Average Property Value:** $291,087

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 25 | +0.493% | $3,534 | Acceptable 🙂 |
| FHA | 73/100 | 156 | +0.484% | $4,644 | Strong 😀 |
| VA | 72/100 | 72 | -0.420% | $2,195 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 25 loans, Score: 30/100 (Acceptable)

**FHA:**
- Purchase: 154 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 72 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 251 | $70M | +0.454% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 253 | 0.07% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| El Paso, TX | TX | 250 | 92/100 |

## Where This Lender Ranks

PATRIOT MORTGAGE COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in El Paso, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in El Paso, TX
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders)
- 🏆 **#11** in El Paso, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in El Paso, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in El Paso, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in El Paso, TX for VA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does PATRIOT MORTGAGE COMPANY offer?

PATRIOT MORTGAGE COMPANY offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PATRIOT MORTGAGE COMPANY offer mortgages?

PATRIOT MORTGAGE COMPANY offers mortgages in 1 states: TX.

### How competitive are PATRIOT MORTGAGE COMPANY's mortgage rates?

PATRIOT MORTGAGE COMPANY has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.429% above market average.

### What type of lender is PATRIOT MORTGAGE COMPANY?

PATRIOT MORTGAGE COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in EL PASO, TX.

### What is PATRIOT MORTGAGE COMPANY's loan approval success rate?

PATRIOT MORTGAGE COMPANY has a pull-through score of 86/100 (Exceptional). 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/patriot-mortgage

### How to Cite

> "PATRIOT MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/patriot-mortgage

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