Home purchase lenders in El Paso County
8,352 home purchase mortgages were made in El Paso County, Texas, in 2025, by 318 lenders. The median rate their borrowers got was 6.250% on a median loan of $255,000. Of 9,961 decisions, 1,275 were denials — 12.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 735 | 6.124% | $265,000 | 7.1% |
| Rocky Mountain Mortgage Company | 710 | 5.640% | $285,000 | 4.1% |
| Commerce Home Mortgage, Inc. | 593 | 6.500% | $245,000 | 3.2% |
| CMG MORTGAGE, INC. | 479 | 6.375% | $235,000 | 3.8% |
| LOANPEOPLE, LLC | 375 | 6.490% | $265,000 | 7.0% |
| Mortgage Research Center, LLC | 365 | 6.250% | $265,000 | 11.6% |
| CADENCE LENDING GROUP, INC. | 327 | 6.200% | $275,000 | 0.5% |
| JPMorgan Chase Bank, National Association | 269 | 6.500% | $225,000 | 5.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 258 | 6.250% | $255,000 | 4.7% |
| Rocket Mortgage, LLC | 248 | 6.490% | $245,000 | 15.8% |
| MOVEMENT MORTGAGE, LLC | 237 | 6.500% | $215,000 | 3.9% |
| First National Bank Texas | 236 | 6.250% | $215,000 | 5.6% |
| PATRIOT MORTGAGE COMPANY | 220 | 5.625% | $275,000 | 1.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 187 | 6.375% | $295,000 | 0.5% |
| GECU | 183 | 6.625% | $185,000 | 6.9% |
| GUILD MORTGAGE COMPANY | 152 | 6.163% | $225,000 | 5.9% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 150 | 6.375% | $255,000 | 9.6% |
| Navy Federal Credit Union | 128 | 6.000% | $255,000 | 11.6% |
| City Bank | 119 | 6.125% | $275,000 | 4.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 107 | 6.750% | $215,000 | 7.0% |
| Sunflower Bank, National Association | 106 | 6.250% | $255,000 | 7.0% |
| JNC MORTGAGE COMPANY, INC. | 97 | 5.500% | $265,000 | 0.0% |
| 21st Mortgage Corporation | 90 | 10.460% | $100,000 | 75.3% |
| KIND LENDING, LLC | 87 | 6.500% | $265,000 | 25.6% |
| DIRECTIONS EQUITY, LLC | 73 | 6.250% | $285,000 | 3.5% |
| Raiz Federal Credit Union | 60 | Not published | $240,000 | 3.2% |
| LOWER, LLC | 59 | 6.625% | $265,000 | 10.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 57 | 7.750% | $275,000 | 7.4% |
| EUSTIS MORTGAGE CORPORATION | 56 | 6.490% | $245,000 | 1.8% |
| Broker Solutions, Inc. | 53 | 6.500% | $255,000 | 8.6% |
| NEWREZ LLC | 52 | 6.125% | $265,000 | 20.0% |
| FirstLight Federal Credit Union | 49 | 6.125% | $245,000 | 47.1% |
| GUARANTEED RATE, INC. | 49 | 6.625% | $225,000 | 7.3% |
| Waterstone Mortgage Corporation | 48 | 6.438% | $255,000 | 5.8% |
| SUCCESS LENDING, LLC | 46 | 5.990% | $205,000 | 13.2% |
| Fairway Independent Mortgage Corporation | 45 | 6.625% | $255,000 | 6.0% |
| USAA Federal Savings Bank | 39 | 6.250% | $255,000 | 41.2% |
| UNION HOME MORTGAGE CORP. | 36 | 6.375% | $385,000 | 11.9% |
| Plains Commerce Bank | 34 | 6.625% | $235,000 | 17.1% |
| Click n' Close, Inc. | 34 | 7.063% | $170,000 | 12.8% |
| Sierra Pacific Mortgage Company, Inc. | 31 | 6.750% | $245,000 | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 30 | 6.875% | $215,000 | 6.3% |
| LoanUnited.com, LLC | 30 | 6.250% | $280,000 | 3.1% |
| Paramount Residential Mortgage Group, Inc. | 27 | 6.125% | $275,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 27 | 7.250% | $235,000 | 6.9% |
| Wells Fargo Bank, National Association | 25 | 6.500% | $255,000 | 32.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 24 | 10.375% | $95,000 | 64.7% |
| Equity Prime Mortgage LLC | 24 | 6.375% | $220,000 | 14.3% |
| Bank of America, National Association | 23 | 6.375% | $195,000 | 48.9% |
| PLAZA HOME MORTGAGE, INC. | 23 | 6.490% | $265,000 | 27.3% |
| FREEDOM MORTGAGE CORPORATION | 23 | 5.750% | $235,000 | 14.8% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 5.999% | $295,000 | 17.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 21 | 6.125% | $245,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 20 | 6.375% | $190,000 | 8.3% |
| THE LOAN STORE, INC. | 20 | 6.932% | $275,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 18 | 6.688% | $315,000 | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 15 | 6.250% | $215,000 | 16.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 15 | 6.375% | $205,000 | 36.0% |
| THE MORTGAGE LINK, INC. | 15 | 6.500% | $245,000 | 18.2% |
| Kiavi Funding, Inc. | 15 | 11.190% | $185,000 | 16.7% |
| ZILLOW HOME LOANS, LLC | 14 | 6.688% | $225,000 | 6.7% |
| CHAMPIONS FUNDING, LLC | 14 | 8.125% | $190,000 | 22.2% |
| Armed Forces Bank, National Association | 14 | 6.250% | $290,000 | 6.7% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.875% | $245,000 | 40.0% |
| First Option Mortgage, LLC | 13 | 6.750% | $275,000 | 6.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 13 | 6.500% | $275,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 13 | 6.500% | $305,000 | 0.0% |
| PLANET HOME LENDING, LLC | 13 | 5.375% | $255,000 | 18.8% |
| TRIAD FINANCIAL SERVICES, INC. | 12 | 9.330% | $100,000 | 57.8% |
| V.I.P. MORTGAGE, INC. | 12 | 6.433% | $255,000 | 7.7% |
| Loandepot.Com, LLC | 11 | 6.750% | $305,000 | 15.4% |
| United Trust Bank | 11 | 6.750% | $185,000 | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 6.250% | $245,000 | 21.4% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 11 | 6.875% | $155,000 | 0.0% |
| Zippy Loans, LLC | 10 | 10.240% | $60,000 | 47.4% |
| U.S. Bank National Association | 10 | 6.370% | $225,000 | 28.6% |
| NEXERA HOLDING LLC | 10 | 7.875% | $225,000 | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 10 | 6.490% | $170,000 | 21.4% |
| NBKC BANK | 10 | 6.250% | $300,000 | 16.7% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| First Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 57.9% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RIGHT START MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Citizens Bank of Las Cruces | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVOLVE | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First American Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Vantage Bank Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NUSENDA | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| TexasBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cadence Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Frost Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 77.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 75.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DSLD MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cedar Rapids Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 87.5% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 77.8% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 118 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.