Top Mortgage Lenders in the El Paso, TX area

Which mortgage lender in the El Paso, TX area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the El Paso, TX area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the El Paso, TX area is Security Service Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.30%. This means that Security Service Federal Credit Union provided a -0.30% lower interest rate for its customers than other lenders in El Paso, TX for a similar set of borrowers. Security Service Federal Credit Union has a market share of 0.8%. On the other hand, the most popular lender in the market is GECU of El Paso, with a market share of 15.1%. GECU of El Paso is an average rate lender in this area, with a “Rate Difference” of +0.00% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the El Paso, TX area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in El Paso, TX is FirstLight Federal Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Navy Federal Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Cadence Lending Group. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Security Service Federal Credit Union 1, -0.30% 0.81%
FirstLight Federal Credit Union 2, -0.28% 2.91%
Navy Federal Credit Union 3, -0.24% 2.55%
First American Bank 4, -0.24% 2.09%
Evolve Federal Credit Union 5, -0.20% 0.70%
Citizens Bank of Las Cruces 6, -0.16% 4.50%
Bank of America 7, -0.15% 1.00%
Cadence Lending Group 8, -0.15% 2.40%
Rocky Mountain Mortgage Company 9, -0.10% 1.90%
JPMorgan Chase Bank 10, -0.09% 1.30%
Guaranteed Rate Inc 11, -0.08% 1.25%
Plaza Home Mortgage Inc 12, -0.08% 0.92%
City Bank 13, -0.07% 2.34%
Waterstone Mortgage Corp 14, -0.07% 0.95%
First National Bank Texas 15, -0.07% 2.39%
Citizens Bank 16, -0.07% 1.44%
Certainty Home Loans 17, -0.06% 0.35%
Village Capital & Investment 18, -0.05% 0.37%
Usaa Federal Savings Bank 19, -0.05% 2.74%
Wells Fargo Bank 20, -0.04% 2.28%
Keller Mortgage 21, -0.04% 0.32%
Paramount Equity Mortgage 22, -0.03% 0.82%
Pennymac Loan Services 23, -0.02% 0.46%
Freedom Mortgage Corporation 24, -0.00% 0.73%
Pioneer Bank 25, 0.00% 0.44%
Flagstar Bank 26, 0.00% 0.64%
Patriot Mortgage Company 27, 0.00% 1.46%
GECU of El Paso 28, 0.00% 15.13%
Gateway First Bank 29, 0.01% 1.01%
Legacy Mutual Mortgage 30, 0.01% 0.93%
Amerisave Mortgage Corporation 31, 0.01% 0.31%
Cardinal Financial Company LP 32, 0.02% 0.29%
Town Square Mortgage & Investments Inc 33, 0.02% 0.82%
Supreme Lending/ Everett Financial Inc 34, 0.02% 0.27%
El Paso Area Teachers Federal Credit Union 35, 0.02% 1.03%
Sunflower Bank 36, 0.03% 0.57%
Caliber Home Loans Inc 37, 0.03% 1.91%
RPM Mortgage 38, 0.04% 0.85%
Mid America Mortgage Inc 39, 0.05% 0.32%
New American Funding 40, 0.06% 7.73%
Carrington Mortgage Services 41, 0.06% 1.00%
CMG Mortgage Inc 42, 0.07% 1.75%
Quicken Loans 43, 0.08% 5.96%
Bank of England 44, 0.09% 0.35%
Bank 34 45, 0.10% 0.65%
LoanDepot 46, 0.10% 2.30%
Bbva Usa 47, 0.11% 0.68%
Movement Mortgage 48, 0.12% 1.78%
Southwest Funding LP 49, 0.12% 0.29%
Fairway Independent Mort Corp 50, 0.12% 2.19%
Academy Mortgage Corporation 51, 0.14% 0.37%
Castle & Cooke Mortgage 52, 0.17% 1.09%
Commerce Home Mortgage 53, 0.19% 7.23%
Royal United Mortgage 54, 0.20% 0.27%
Nationstar Mortgage 55, 0.24% 0.63%
SecurityNational Mortgage Company 56, 0.29% 2.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.26% 3.22%
First American Bank 2, -0.25% 2.40%
FirstLight Federal Credit Union 3, -0.25% 1.56%
JPMorgan Chase Bank 4, -0.24% 0.87%
Bank of America 5, -0.20% 0.71%
Citizens Bank of Las Cruces 6, -0.16% 5.47%
Cadence Lending Group 7, -0.15% 3.14%
Wells Fargo Bank 8, -0.13% 1.94%
Rocky Mountain Mortgage Company 9, -0.11% 2.27%
Guaranteed Rate Inc 10, -0.09% 1.51%
Plaza Home Mortgage Inc 11, -0.09% 1.12%
Evolve Federal Credit Union 12, -0.09% 0.16%
Waterstone Mortgage Corp 13, -0.08% 1.13%
Citizens Bank 14, -0.07% 1.76%
City Bank 15, -0.07% 3.02%
First National Bank Texas 16, -0.07% 3.17%
Security Service Federal Credit Union 17, -0.07% 0.28%
Certainty Home Loans 18, -0.06% 0.46%
Usaa Federal Savings Bank 19, -0.05% 3.24%
GECU of El Paso 20, -0.04% 12.68%
Keller Mortgage 21, -0.03% 0.39%
Pioneer Bank 22, -0.03% 0.39%
Freedom Mortgage Corporation 23, -0.01% 0.80%
Patriot Mortgage Company 24, 0.01% 1.98%
Pennymac Loan Services 25, 0.01% 0.14%
Flagstar Bank 26, 0.01% 0.68%
Legacy Mutual Mortgage 27, 0.01% 1.13%
Supreme Lending/ Everett Financial Inc 28, 0.01% 0.29%
Amerisave Mortgage Corporation 29, 0.01% 0.02%
Gateway First Bank 30, 0.02% 0.95%
Sunflower Bank 31, 0.02% 0.67%
Town Square Mortgage & Investments Inc 32, 0.03% 1.07%
Royal United Mortgage 33, 0.03% 0.05%
Bank of England 34, 0.04% 0.27%
Caliber Home Loans Inc 35, 0.04% 2.08%
RPM Mortgage 36, 0.05% 1.06%
Cardinal Financial Company LP 37, 0.05% 0.20%
El Paso Area Teachers Federal Credit Union 38, 0.05% 0.35%
Mid America Mortgage Inc 39, 0.07% 0.31%
Quicken Loans 40, 0.08% 2.98%
New American Funding 41, 0.08% 9.20%
CMG Mortgage Inc 42, 0.08% 2.21%
Nationstar Mortgage 43, 0.08% 0.15%
Bank 34 44, 0.10% 0.83%
Carrington Mortgage Services 45, 0.11% 0.15%
Fairway Independent Mort Corp 46, 0.13% 2.77%
Movement Mortgage 47, 0.13% 2.17%
Bbva Usa 48, 0.14% 0.66%
Academy Mortgage Corporation 49, 0.14% 0.49%
Southwest Funding LP 50, 0.15% 0.31%
LoanDepot 51, 0.17% 1.55%
Castle & Cooke Mortgage 52, 0.19% 1.28%
Commerce Home Mortgage 53, 0.20% 9.57%
SecurityNational Mortgage Company 54, 0.31% 2.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Security Service Federal Credit Union 1, -0.38% 2.33%
FirstLight Federal Credit Union 2, -0.31% 6.76%
Evolve Federal Credit Union 3, -0.23% 2.23%
First American Bank 4, -0.14% 1.18%
Citizens Bank of Las Cruces 5, -0.13% 1.77%
Bank of America 6, -0.11% 1.84%
Village Capital & Investment 7, -0.06% 1.41%
Usaa Federal Savings Bank 8, -0.05% 1.34%
Rocky Mountain Mortgage Company 9, -0.04% 0.85%
Paramount Equity Mortgage 10, -0.04% 3.15%
First National Bank Texas 11, -0.04% 0.20%
Guaranteed Rate Inc 12, -0.03% 0.49%
Keller Mortgage 13, -0.03% 0.13%
Pennymac Loan Services 14, -0.03% 1.38%
Cadence Lending Group 15, -0.03% 0.30%
New American Funding 16, -0.02% 3.57%
Caliber Home Loans Inc 17, -0.02% 1.41%
Gateway First Bank 18, -0.02% 1.18%
Navy Federal Credit Union 19, -0.02% 0.62%
Mid America Mortgage Inc 20, -0.01% 0.33%
Cardinal Financial Company LP 21, -0.01% 0.56%
Movement Mortgage 22, -0.01% 0.66%
Legacy Mutual Mortgage 23, -0.01% 0.36%
Flagstar Bank 24, -0.01% 0.52%
City Bank 25, -0.00% 0.43%
Waterstone Mortgage Corp 26, 0.00% 0.43%
Amerisave Mortgage Corporation 27, 0.00% 1.12%
Citizens Bank 28, 0.01% 0.56%
El Paso Area Teachers Federal Credit Union 29, 0.01% 2.98%
Certainty Home Loans 30, 0.01% 0.03%
Fairway Independent Mort Corp 31, 0.01% 0.52%
Southwest Funding LP 32, 0.02% 0.23%
Commerce Home Mortgage 33, 0.02% 0.59%
Freedom Mortgage Corporation 34, 0.03% 0.52%
LoanDepot 35, 0.03% 4.43%
Academy Mortgage Corporation 36, 0.04% 0.03%
RPM Mortgage 37, 0.04% 0.23%
CMG Mortgage Inc 38, 0.04% 0.46%
Bbva Usa 39, 0.04% 0.75%
Town Square Mortgage & Investments Inc 40, 0.04% 0.10%
Sunflower Bank 41, 0.05% 0.30%
Bank 34 42, 0.05% 0.13%
Plaza Home Mortgage Inc 43, 0.05% 0.36%
Carrington Mortgage Services 44, 0.05% 3.41%
JPMorgan Chase Bank 45, 0.06% 2.53%
Pioneer Bank 46, 0.06% 0.59%
Supreme Lending/ Everett Financial Inc 47, 0.07% 0.23%
SecurityNational Mortgage Company 48, 0.07% 0.69%
Castle & Cooke Mortgage 49, 0.07% 0.56%
Quicken Loans 50, 0.07% 14.40%
GECU of El Paso 51, 0.07% 22.07%
Wells Fargo Bank 52, 0.10% 3.25%
Bank of England 53, 0.16% 0.59%
Royal United Mortgage 54, 0.22% 0.92%
Nationstar Mortgage 55, 0.27% 2.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
FirstLight Federal Credit Union 1, -0.28% 4.96%
Security Service Federal Credit Union 2, -0.27% 1.54%
First American Bank 3, -0.21% 2.05%
Evolve Federal Credit Union 4, -0.18% 1.31%
Citizens Bank of Las Cruces 5, -0.16% 6.06%
Bank of America 6, -0.14% 1.78%
Guaranteed Rate Inc 7, -0.13% 0.86%
Waterstone Mortgage Corp 8, -0.08% 0.91%
Cadence Lending Group 9, -0.07% 2.25%
JPMorgan Chase Bank 10, -0.07% 2.38%
Gateway First Bank 11, -0.03% 1.08%
City Bank 12, -0.03% 2.02%
Usaa Federal Savings Bank 13, -0.03% 1.16%
Wells Fargo Bank 14, -0.02% 3.86%
Paramount Equity Mortgage 15, -0.02% 1.31%
Keller Mortgage 16, -0.01% 0.39%
Rocky Mountain Mortgage Company 17, -0.01% 1.03%
Citizens Bank 18, 0.00% 1.05%
Certainty Home Loans 19, 0.01% 0.15%
First National Bank Texas 20, 0.01% 0.82%
Pioneer Bank 21, 0.02% 0.65%
Amerisave Mortgage Corporation 22, 0.02% 0.44%
GECU of El Paso 23, 0.03% 28.53%
Carrington Mortgage Services 24, 0.03% 0.71%
Fairway Independent Mort Corp 25, 0.03% 0.86%
Patriot Mortgage Company 26, 0.03% 0.36%
Pennymac Loan Services 27, 0.04% 0.11%
Legacy Mutual Mortgage 28, 0.05% 0.50%
Cardinal Financial Company LP 29, 0.05% 0.29%
RPM Mortgage 30, 0.05% 0.42%
El Paso Area Teachers Federal Credit Union 31, 0.05% 1.96%
Freedom Mortgage Corporation 32, 0.05% 0.29%
Flagstar Bank 33, 0.05% 0.26%
Supreme Lending/ Everett Financial Inc 34, 0.06% 0.27%
Caliber Home Loans Inc 35, 0.06% 0.66%
Mid America Mortgage Inc 36, 0.07% 0.19%
Town Square Mortgage & Investments Inc 37, 0.07% 0.24%
LoanDepot 38, 0.07% 2.02%
CMG Mortgage Inc 39, 0.07% 0.66%
Southwest Funding LP 40, 0.08% 0.21%
Plaza Home Mortgage Inc 41, 0.08% 0.37%
Movement Mortgage 42, 0.09% 1.60%
Sunflower Bank 43, 0.10% 0.60%
New American Funding 44, 0.10% 3.80%
Quicken Loans 45, 0.11% 8.44%
Navy Federal Credit Union 46, 0.12% 1.02%
Academy Mortgage Corporation 47, 0.12% 0.24%
Bank 34 48, 0.13% 0.58%
Commerce Home Mortgage 49, 0.15% 2.44%
Bbva Usa 50, 0.16% 1.00%
Bank of England 51, 0.19% 0.29%
Castle & Cooke Mortgage 52, 0.19% 0.79%
SecurityNational Mortgage Company 53, 0.22% 0.82%
Royal United Mortgage 54, 0.24% 0.47%
Nationstar Mortgage 55, 0.31% 0.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
FirstLight Federal Credit Union 1, -0.25% 2.82%
JPMorgan Chase Bank 2, -0.22% 1.90%
First American Bank 3, -0.22% 2.66%
Bank of America 4, -0.18% 1.46%
Citizens Bank of Las Cruces 5, -0.14% 8.87%
Guaranteed Rate Inc 6, -0.13% 1.25%
Wells Fargo Bank 7, -0.11% 3.80%
Waterstone Mortgage Corp 8, -0.08% 1.22%
Cadence Lending Group 9, -0.06% 3.52%
Evolve Federal Credit Union 10, -0.06% 0.35%
Gateway First Bank 11, -0.03% 1.14%
Security Service Federal Credit Union 12, -0.03% 0.65%
Pioneer Bank 13, -0.02% 0.62%
City Bank 14, -0.01% 3.04%
Usaa Federal Savings Bank 15, -0.01% 1.52%
GECU of El Paso 16, -0.00% 29.69%
Keller Mortgage 17, 0.01% 0.54%
Citizens Bank 18, 0.01% 1.41%
Rocky Mountain Mortgage Company 19, 0.02% 1.08%
Certainty Home Loans 20, 0.03% 0.24%
First National Bank Texas 21, 0.03% 1.25%
Fairway Independent Mort Corp 22, 0.05% 1.25%
Patriot Mortgage Company 23, 0.05% 0.60%
Amerisave Mortgage Corporation 24, 0.05% 0.05%
Supreme Lending/ Everett Financial Inc 25, 0.05% 0.30%
LoanDepot 26, 0.06% 0.73%
RPM Mortgage 27, 0.06% 0.54%
Pennymac Loan Services 28, 0.06% 0.05%
Freedom Mortgage Corporation 29, 0.07% 0.27%
Flagstar Bank 30, 0.08% 0.27%
Bank of England 31, 0.08% 0.05%
Royal United Mortgage 32, 0.08% 0.08%
Legacy Mutual Mortgage 33, 0.08% 0.57%
Carrington Mortgage Services 34, 0.08% 0.03%
Caliber Home Loans Inc 35, 0.08% 0.81%
Plaza Home Mortgage Inc 36, 0.08% 0.43%
Nationstar Mortgage 37, 0.08% 0.08%
Town Square Mortgage & Investments Inc 38, 0.09% 0.38%
El Paso Area Teachers Federal Credit Union 39, 0.09% 0.81%
CMG Mortgage Inc 40, 0.09% 0.89%
Mid America Mortgage Inc 41, 0.09% 0.24%
Sunflower Bank 42, 0.12% 0.81%
Movement Mortgage 43, 0.12% 2.20%
Southwest Funding LP 44, 0.13% 0.16%
Academy Mortgage Corporation 45, 0.14% 0.41%
New American Funding 46, 0.14% 5.31%
Cardinal Financial Company LP 47, 0.14% 0.16%
Quicken Loans 48, 0.14% 4.12%
Bank 34 49, 0.15% 0.87%
Navy Federal Credit Union 50, 0.16% 1.44%
Commerce Home Mortgage 51, 0.18% 3.80%
Bbva Usa 52, 0.22% 1.17%
Castle & Cooke Mortgage 53, 0.23% 1.00%
SecurityNational Mortgage Company 54, 0.27% 1.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Security Service Federal Credit Union 1, -0.38% 2.84%
FirstLight Federal Credit Union 2, -0.32% 8.13%
Evolve Federal Credit Union 3, -0.23% 2.72%
First American Bank 4, -0.17% 1.16%
Citizens Bank of Las Cruces 5, -0.15% 1.92%
Bank of America 6, -0.11% 2.24%
Guaranteed Rate Inc 7, -0.05% 0.28%
Usaa Federal Savings Bank 8, -0.05% 0.64%
First National Bank Texas 9, -0.05% 0.20%
Paramount Equity Mortgage 10, -0.05% 3.24%
Rocky Mountain Mortgage Company 11, -0.05% 0.96%
New American Funding 12, -0.04% 1.56%
Keller Mortgage 13, -0.03% 0.16%
Cadence Lending Group 14, -0.03% 0.36%
Gateway First Bank 15, -0.02% 1.00%
Cardinal Financial Company LP 16, -0.02% 0.48%
Navy Federal Credit Union 17, -0.02% 0.40%
Legacy Mutual Mortgage 18, -0.01% 0.40%
Movement Mortgage 19, -0.01% 0.72%
Amerisave Mortgage Corporation 20, -0.01% 1.00%
Waterstone Mortgage Corp 21, -0.01% 0.44%
Carrington Mortgage Services 22, -0.00% 1.72%
City Bank 23, 0.00% 0.52%
Pennymac Loan Services 24, 0.01% 0.20%
Citizens Bank 25, 0.01% 0.52%
Fairway Independent Mort Corp 26, 0.01% 0.28%
El Paso Area Teachers Federal Credit Union 27, 0.01% 3.64%
Southwest Funding LP 28, 0.02% 0.28%
Mid America Mortgage Inc 29, 0.02% 0.12%
Flagstar Bank 30, 0.02% 0.24%
Freedom Mortgage Corporation 31, 0.02% 0.32%
CMG Mortgage Inc 32, 0.03% 0.32%
Commerce Home Mortgage 33, 0.03% 0.44%
RPM Mortgage 34, 0.03% 0.24%
Caliber Home Loans Inc 35, 0.04% 0.44%
Town Square Mortgage & Investments Inc 36, 0.04% 0.04%
Bbva Usa 37, 0.05% 0.76%
Bank 34 38, 0.05% 0.16%
Sunflower Bank 39, 0.05% 0.28%
LoanDepot 40, 0.05% 3.92%
JPMorgan Chase Bank 41, 0.06% 3.08%
SecurityNational Mortgage Company 42, 0.06% 0.48%
Pioneer Bank 43, 0.07% 0.68%
Supreme Lending/ Everett Financial Inc 44, 0.07% 0.24%
GECU of El Paso 45, 0.08% 26.82%
Quicken Loans 46, 0.08% 14.81%
Plaza Home Mortgage Inc 47, 0.09% 0.28%
Castle & Cooke Mortgage 48, 0.09% 0.48%
Wells Fargo Bank 49, 0.11% 3.96%
Bank of England 50, 0.17% 0.64%
Royal United Mortgage 51, 0.23% 1.04%
Nationstar Mortgage 52, 0.30% 2.16%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Lending Group 1, -0.34% 2.18%
First American Bank 2, -0.33% 2.84%
Citizens Bank of Las Cruces 3, -0.27% 2.39%
Citizens Bank 4, -0.24% 1.73%
Rocky Mountain Mortgage Company 5, -0.19% 3.05%
Plaza Home Mortgage Inc 6, -0.19% 2.15%
FirstLight Federal Credit Union 7, -0.15% 0.33%
Certainty Home Loans 8, -0.13% 0.66%
First National Bank Texas 9, -0.13% 5.53%
Guaranteed Rate Inc 10, -0.12% 1.26%
Keller Mortgage 11, -0.12% 0.21%
Sunflower Bank 12, -0.10% 0.60%
Village Capital & Investment 13, -0.09% 0.66%
Waterstone Mortgage Corp 14, -0.09% 1.43%
Navy Federal Credit Union 15, -0.09% 0.15%
Carrington Mortgage Services 16, -0.07% 0.99%
Bank of America 17, -0.07% 0.18%
Quicken Loans 18, -0.06% 2.87%
Freedom Mortgage Corporation 19, -0.06% 1.49%
Bbva Usa 20, -0.05% 0.36%
Pennymac Loan Services 21, -0.05% 0.33%
Supreme Lending/ Everett Financial Inc 22, -0.04% 0.33%
Flagstar Bank 23, -0.04% 0.81%
Patriot Mortgage Company 24, -0.04% 3.05%
Town Square Mortgage & Investments Inc 25, -0.04% 2.03%
Cardinal Financial Company LP 26, -0.03% 0.33%
RPM Mortgage 27, -0.03% 1.67%
Pioneer Bank 28, -0.02% 0.15%
Caliber Home Loans Inc 29, -0.02% 3.20%
JPMorgan Chase Bank 30, -0.01% 0.03%
Royal United Mortgage 31, -0.01% 0.03%
Bank of England 32, -0.01% 0.36%
City Bank 33, -0.01% 1.46%
Legacy Mutual Mortgage 34, -0.00% 1.37%
New American Funding 35, -0.00% 14.91%
Amerisave Mortgage Corporation 36, -0.00% 0.12%
Paramount Equity Mortgage 37, -0.00% 0.27%
CMG Mortgage Inc 38, 0.02% 3.74%
Bank 34 39, 0.03% 0.81%
Mid America Mortgage Inc 40, 0.04% 0.51%
Nationstar Mortgage 41, 0.05% 0.42%
Fairway Independent Mort Corp 42, 0.06% 2.99%
Gateway First Bank 43, 0.06% 0.99%
Movement Mortgage 44, 0.11% 2.36%
Academy Mortgage Corporation 45, 0.13% 0.63%
Southwest Funding LP 46, 0.13% 0.45%
LoanDepot 47, 0.15% 2.15%
Castle & Cooke Mortgage 48, 0.17% 1.73%
Commerce Home Mortgage 49, 0.17% 16.32%
SecurityNational Mortgage Company 50, 0.29% 5.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Lending Group 1, -0.35% 2.34%
First American Bank 2, -0.34% 2.92%
Citizens Bank of Las Cruces 3, -0.28% 2.57%
Citizens Bank 4, -0.25% 1.80%
Plaza Home Mortgage Inc 5, -0.20% 2.28%
Rocky Mountain Mortgage Company 6, -0.20% 3.27%
FirstLight Federal Credit Union 7, -0.16% 0.35%
Certainty Home Loans 8, -0.14% 0.71%
First National Bank Texas 9, -0.14% 5.91%
Guaranteed Rate Inc 10, -0.13% 1.32%
Keller Mortgage 11, -0.12% 0.22%
Sunflower Bank 12, -0.11% 0.61%
Waterstone Mortgage Corp 13, -0.10% 1.48%
Navy Federal Credit Union 14, -0.09% 0.16%
Bank of America 15, -0.07% 0.19%
Freedom Mortgage Corporation 16, -0.07% 1.48%
Quicken Loans 17, -0.07% 1.67%
Bbva Usa 18, -0.06% 0.32%
Supreme Lending/ Everett Financial Inc 19, -0.05% 0.32%
Flagstar Bank 20, -0.04% 0.87%
Patriot Mortgage Company 21, -0.04% 3.27%
Town Square Mortgage & Investments Inc 22, -0.04% 2.15%
Cardinal Financial Company LP 23, -0.04% 0.26%
Pennymac Loan Services 24, -0.03% 0.10%
RPM Mortgage 25, -0.03% 1.77%
Pioneer Bank 26, -0.02% 0.16%
JPMorgan Chase Bank 27, -0.02% 0.03%
Bank of England 28, -0.01% 0.39%
Caliber Home Loans Inc 29, -0.01% 2.95%
City Bank 30, -0.01% 1.57%
Legacy Mutual Mortgage 31, -0.01% 1.44%
New American Funding 32, -0.00% 14.80%
CMG Mortgage Inc 33, 0.02% 3.95%
Carrington Mortgage Services 34, 0.03% 0.19%
Bank 34 35, 0.03% 0.87%
Mid America Mortgage Inc 36, 0.03% 0.55%
Nationstar Mortgage 37, 0.05% 0.29%
Fairway Independent Mort Corp 38, 0.06% 3.08%
Gateway First Bank 39, 0.06% 1.03%
Movement Mortgage 40, 0.11% 2.54%
Southwest Funding LP 41, 0.13% 0.48%
Academy Mortgage Corporation 42, 0.13% 0.64%
LoanDepot 43, 0.16% 2.09%
Commerce Home Mortgage 44, 0.17% 17.34%
Castle & Cooke Mortgage 45, 0.18% 1.73%
SecurityNational Mortgage Company 46, 0.30% 5.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Carrington Mortgage Services 1, -0.05% 11.69%
Village Capital & Investment 2, -0.04% 9.52%
Caliber Home Loans Inc 3, -0.02% 6.49%
New American Funding 4, -0.02% 16.45%
First American Bank 5, -0.01% 1.73%
Quicken Loans 6, -0.01% 19.05%
Pennymac Loan Services 7, -0.00% 3.46%
Gateway First Bank 8, 0.03% 0.43%
Plaza Home Mortgage Inc 9, 0.03% 0.43%
Citizens Bank 10, 0.03% 0.87%
Cardinal Financial Company LP 11, 0.03% 1.30%
Sunflower Bank 12, 0.03% 0.43%
Commerce Home Mortgage 13, 0.03% 2.60%
Guaranteed Rate Inc 14, 0.03% 0.43%
First National Bank Texas 15, 0.04% 0.43%
Royal United Mortgage 16, 0.04% 0.43%
LoanDepot 17, 0.04% 3.03%
Supreme Lending/ Everett Financial Inc 18, 0.04% 0.43%
Castle & Cooke Mortgage 19, 0.04% 1.73%
Legacy Mutual Mortgage 20, 0.04% 0.43%
Freedom Mortgage Corporation 21, 0.04% 1.73%
Amerisave Mortgage Corporation 22, 0.04% 1.73%
Town Square Mortgage & Investments Inc 23, 0.05% 0.43%
Paramount Equity Mortgage 24, 0.05% 3.90%
Fairway Independent Mort Corp 25, 0.05% 1.73%
Academy Mortgage Corporation 26, 0.05% 0.43%
Waterstone Mortgage Corp 27, 0.05% 0.87%
CMG Mortgage Inc 28, 0.06% 0.87%
Bbva Usa 29, 0.07% 0.87%
RPM Mortgage 30, 0.07% 0.43%
Nationstar Mortgage 31, 0.09% 2.16%
SecurityNational Mortgage Company 32, 0.10% 3.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.02% 3.12%
FirstLight Federal Credit Union 2, -0.02% 15.62%
Bbva Usa 3, -0.01% 9.38%
Wells Fargo Bank 4, -0.01% 9.38%
GECU of El Paso 5, -0.00% 15.62%
JPMorgan Chase Bank 6, -0.00% 3.12%
Evolve Federal Credit Union 7, -0.00% 3.12%
Quicken Loans 8, -0.00% 3.12%
Bank 34 9, -0.00% 3.12%
Bank of America 10, 0.00% 3.12%
First American Bank 11, 0.00% 3.12%
City Bank 12, 0.01% 6.25%
Sunflower Bank 13, 0.02% 3.12%
SecurityNational Mortgage Company 14, 0.02% 3.12%
Citizens Bank of Las Cruces 15, 0.02% 9.38%
Caliber Home Loans Inc 16, 0.03% 3.12%
Town Square Mortgage & Investments Inc 17, 0.03% 3.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.02% 5.26%
Wells Fargo Bank 2, -0.01% 15.79%
Bbva Usa 3, -0.01% 5.26%
GECU of El Paso 4, -0.00% 10.53%
JPMorgan Chase Bank 5, -0.00% 5.26%
Evolve Federal Credit Union 6, -0.00% 5.26%
Quicken Loans 7, -0.00% 5.26%
Bank 34 8, -0.00% 5.26%
Bank of America 9, 0.00% 5.26%
First American Bank 10, 0.00% 5.26%
City Bank 11, 0.00% 10.53%
FirstLight Federal Credit Union 12, 0.01% 10.53%
Citizens Bank of Las Cruces 13, 0.02% 10.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
FirstLight Federal Credit Union 1, -0.04% 23.08%
Bbva Usa 2, -0.02% 15.38%
GECU of El Paso 3, 0.00% 23.08%
Sunflower Bank 4, 0.02% 7.69%
SecurityNational Mortgage Company 5, 0.02% 7.69%
Citizens Bank of Las Cruces 6, 0.03% 7.69%
Town Square Mortgage & Investments Inc 7, 0.03% 7.69%
Caliber Home Loans Inc 8, 0.03% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.34% 10.72%
City Bank 2, -0.15% 4.59%
FirstLight Federal Credit Union 3, -0.11% 0.84%
Cadence Lending Group 4, -0.08% 3.23%
Rocky Mountain Mortgage Company 5, -0.08% 2.62%
Village Capital & Investment 6, -0.06% 0.98%
Legacy Mutual Mortgage 7, -0.05% 1.50%
Usaa Federal Savings Bank 8, -0.05% 11.65%
First National Bank Texas 9, -0.04% 2.06%
First American Bank 10, -0.03% 0.98%
Pennymac Loan Services 11, -0.03% 1.68%
Certainty Home Loans 12, -0.02% 0.47%
Guaranteed Rate Inc 13, -0.01% 2.39%
Keller Mortgage 14, -0.01% 0.33%
Wells Fargo Bank 15, -0.01% 1.17%
Flagstar Bank 16, -0.01% 1.50%
Mid America Mortgage Inc 17, -0.01% 0.37%
Sunflower Bank 18, 0.01% 0.42%
Patriot Mortgage Company 19, 0.01% 2.20%
Freedom Mortgage Corporation 20, 0.01% 0.80%
Paramount Equity Mortgage 21, 0.02% 0.28%
Royal United Mortgage 22, 0.02% 0.09%
Waterstone Mortgage Corp 23, 0.02% 0.33%
Pioneer Bank 24, 0.03% 0.33%
Citizens Bank 25, 0.03% 2.15%
Caliber Home Loans Inc 26, 0.03% 3.46%
Amerisave Mortgage Corporation 27, 0.04% 0.23%
Bank of England 28, 0.04% 0.51%
Citizens Bank of Las Cruces 29, 0.04% 3.23%
Gateway First Bank 30, 0.05% 0.84%
Bbva Usa 31, 0.05% 0.14%
Nationstar Mortgage 32, 0.05% 0.14%
Supreme Lending/ Everett Financial Inc 33, 0.05% 0.19%
Cardinal Financial Company LP 34, 0.05% 0.23%
JPMorgan Chase Bank 35, 0.05% 0.14%
Castle & Cooke Mortgage 36, 0.07% 0.98%
Quicken Loans 37, 0.09% 3.65%
LoanDepot 38, 0.09% 3.37%
Town Square Mortgage & Investments Inc 39, 0.10% 0.56%
Plaza Home Mortgage Inc 40, 0.11% 0.61%
New American Funding 41, 0.12% 8.00%
Bank 34 42, 0.12% 0.56%
Southwest Funding LP 43, 0.12% 0.28%
CMG Mortgage Inc 44, 0.13% 1.82%
Academy Mortgage Corporation 45, 0.13% 0.33%
RPM Mortgage 46, 0.16% 0.80%
SecurityNational Mortgage Company 47, 0.17% 1.17%
Movement Mortgage 48, 0.19% 1.40%
Commerce Home Mortgage 49, 0.19% 6.97%
Fairway Independent Mort Corp 50, 0.19% 4.82%
Carrington Mortgage Services 51, 0.21% 1.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.35% 12.02%
City Bank 2, -0.15% 5.36%
FirstLight Federal Credit Union 3, -0.11% 0.98%
Cadence Lending Group 4, -0.08% 3.77%
Rocky Mountain Mortgage Company 5, -0.08% 2.95%
Legacy Mutual Mortgage 6, -0.05% 1.75%
Usaa Federal Savings Bank 7, -0.05% 12.24%
First National Bank Texas 8, -0.04% 2.40%
First American Bank 9, -0.04% 0.98%
Certainty Home Loans 10, -0.02% 0.49%
Guaranteed Rate Inc 11, -0.01% 2.40%
Keller Mortgage 12, -0.01% 0.38%
Wells Fargo Bank 13, -0.00% 1.37%
Pennymac Loan Services 14, 0.00% 0.38%
Flagstar Bank 15, 0.00% 1.20%
Freedom Mortgage Corporation 16, 0.01% 0.71%
Sunflower Bank 17, 0.01% 0.49%
Patriot Mortgage Company 18, 0.01% 2.57%
Royal United Mortgage 19, 0.01% 0.05%
Waterstone Mortgage Corp 20, 0.03% 0.38%
Pioneer Bank 21, 0.03% 0.33%
Citizens Bank 22, 0.03% 2.40%
Bank of England 23, 0.04% 0.49%
Citizens Bank of Las Cruces 24, 0.04% 3.50%
Nationstar Mortgage 25, 0.05% 0.05%
Bbva Usa 26, 0.05% 0.16%
Supreme Lending/ Everett Financial Inc 27, 0.05% 0.22%
JPMorgan Chase Bank 28, 0.06% 0.16%
Caliber Home Loans Inc 29, 0.06% 3.17%
Cardinal Financial Company LP 30, 0.06% 0.16%
Mid America Mortgage Inc 31, 0.06% 0.05%
Castle & Cooke Mortgage 32, 0.08% 1.09%
Quicken Loans 33, 0.09% 2.90%
Town Square Mortgage & Investments Inc 34, 0.10% 0.66%
Gateway First Bank 35, 0.12% 0.44%
Bank 34 36, 0.13% 0.66%
Southwest Funding LP 37, 0.13% 0.33%
Academy Mortgage Corporation 38, 0.14% 0.38%
CMG Mortgage Inc 39, 0.14% 1.91%
New American Funding 40, 0.15% 7.60%
Plaza Home Mortgage Inc 41, 0.15% 0.55%
Carrington Mortgage Services 42, 0.16% 0.33%
RPM Mortgage 43, 0.17% 0.93%
SecurityNational Mortgage Company 44, 0.17% 1.37%
Commerce Home Mortgage 45, 0.19% 8.09%
LoanDepot 46, 0.19% 2.30%
Movement Mortgage 47, 0.20% 1.53%
Fairway Independent Mort Corp 48, 0.21% 5.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Village Capital & Investment 1, -0.08% 6.84%
Caliber Home Loans Inc 2, -0.07% 5.21%
LoanDepot 3, -0.06% 9.77%
Usaa Federal Savings Bank 4, -0.06% 8.14%
Pennymac Loan Services 5, -0.06% 9.45%
Flagstar Bank 6, -0.04% 3.26%
Plaza Home Mortgage Inc 7, -0.04% 0.98%
Mid America Mortgage Inc 8, -0.04% 2.28%
Navy Federal Credit Union 9, -0.03% 2.93%
Guaranteed Rate Inc 10, -0.03% 2.28%
Gateway First Bank 11, -0.03% 3.26%
Citizens Bank 12, -0.02% 0.65%
Commerce Home Mortgage 13, -0.01% 0.33%
Movement Mortgage 14, -0.01% 0.65%
Fairway Independent Mort Corp 15, -0.01% 1.63%
New American Funding 16, -0.01% 10.42%
Certainty Home Loans 17, -0.00% 0.33%
Paramount Equity Mortgage 18, -0.00% 1.95%
Royal United Mortgage 19, 0.01% 0.33%
Castle & Cooke Mortgage 20, 0.01% 0.33%
Bank of England 21, 0.01% 0.65%
Freedom Mortgage Corporation 22, 0.01% 1.30%
Citizens Bank of Las Cruces 23, 0.01% 1.63%
Pioneer Bank 24, 0.01% 0.33%
Amerisave Mortgage Corporation 25, 0.02% 1.63%
First American Bank 26, 0.02% 0.98%
Cardinal Financial Company LP 27, 0.02% 0.65%
Nationstar Mortgage 28, 0.03% 0.65%
Rocky Mountain Mortgage Company 29, 0.04% 0.65%
CMG Mortgage Inc 30, 0.06% 1.30%
Quicken Loans 31, 0.09% 8.14%
Carrington Mortgage Services 32, 0.20% 11.07%

* Data is compiled for the El Paso, TX commuting zone area, which comprises of counties of Dona Ana County, NM, Sierra County, NM, El Paso County, TX, and Hudspeth County, TX. This includes cities/towns/communities of El Paso, TX as well as Las Cruces, NM, Horizon City, TX, Radium Springs, NM, Socorro, TX, Sparks, TX, Santa Teresa, NM, Westway, TX, Fairacres, NM, San Ysidro, NM, San Elizario, TX, Canutillo, TX, San Pablo, NM, Agua Dulce, TX, Elephant Butte, NM, Truth or Consequences, NM, Sunland Park, NM, Vado, NM, Organ, NM, Anthony, NM, Mesilla, NM, Homestead Meadows South, TX, Chaparral, NM, La Union, NM, Arrey, NM, Anthony, TX, Fabens, TX, San Miguel, NM, Berino, NM, Chamberino, NM, Hatch, NM, Homestead Meadows North, TX, Fort Hancock, TX, Butterfield, TX, and Tornillo, TX. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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