# Rocky Mountain Mortgage Company

> **Canonical URL:** https://saferate.com/lenders/rocky-mountain-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


Rocky Mountain Mortgage Company is a independent mortgage company, headquartered in El Paso, TX, serving borrowers across 2 states, with 524 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300CEKZ808Q0WJL95
- **Headquarters:** El Paso, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NM, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.184%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,708
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 524
- **Dollar Volume:** $159 million
- **Applications Received:** 1,137
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $302,710
- **Average Borrower Income:** $114,998
- **Average Property Value:** $318,664

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 57 | +0.129% | $1,613 | Acceptable 🙂 |
| FHA | 77/100 | 263 | -0.035% | $1,986 | Strong 😀 |
| VA | 79/100 | 204 | -0.831% | $1,007 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 57 loans, Score: 40/100 (Sound)

**FHA:**
- Purchase: 262 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 204 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 523 | $159M | -0.188% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 451 | 0.13% | 77/100 |
| NM | 73 | 0.36% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| El Paso, TX | TX | 445 | 98/100 |
| Las Cruces, NM | NM | 73 | 77/100 |

## Where This Lender Ranks

Rocky Mountain Mortgage Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in El Paso, TX
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders)
- 🥇 **#1** in El Paso, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Las Cruces, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in New Mexico Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** 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)
- 🥈 **#2** 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)
- 🥈 **#2** in Las Cruces, NM
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders)
- 🥈 **#2** in Las Cruces, NM for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in El Paso, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in El Paso, TX for VA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Las Cruces, NM for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Las Cruces, NM for VA Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Las Cruces, NM for FHA Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in New Mexico
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders)
- 🏆 **#6** in New Mexico for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in New Mexico for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in New Mexico for VA Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/va-loans)
- 🏆 **#12** in New Mexico for FHA Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Las Cruces, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does Rocky Mountain Mortgage Company offer?

Rocky Mountain 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 Rocky Mountain Mortgage Company offer mortgages?

Rocky Mountain Mortgage Company offers mortgages in 2 states: NM, TX.

### How competitive are Rocky Mountain Mortgage Company's mortgage rates?

Rocky Mountain Mortgage Company has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.184% below market average.

### What type of lender is Rocky Mountain Mortgage Company?

Rocky Mountain Mortgage Company is a non-depository lender that specializes in mortgage origination, headquartered in El Paso, TX.

### What is Rocky Mountain Mortgage Company's loan approval success rate?

Rocky Mountain Mortgage Company has a pull-through score of 61/100 (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/rocky-mountain-mortgage

### How to Cite

> "Rocky Mountain Mortgage Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rocky-mountain-mortgage

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