Top Mortgage Lenders in El Paso, TX

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, provides an objective and data driven ranking of mortgage lenders operating in the El Paso, TX area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the El Paso, TX area in terms of interest rate is Security Service Federal Credit Union, with an average “Rate Difference” of -0.30%. This means that, comparing similar borrowers, Security Service Federal Credit Union provided a -0.30% lower interest rate for its customers than other lenders in the area. Security Service Federal Credit Union has a market share of 0.8%. On the other hand, the most popular lender in the El Paso, TX area is GECU of El Paso, with a larger market share of 15.5%. GECU of El Paso is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.00% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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, going by historical data, FirstLight Federal Credit Union is the cheapest mortgage provider for Conventional and Jumbo mortgages in El Paso, TX. 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in El Paso, TX

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Security Service Federal Credit Union-0.30%(5.0)0.83%
FirstLight Federal Credit Union-0.29%(5.0)2.99%
Navy Federal Credit Union-0.25%(5.0)2.58%
First American Bank New Mexico-0.24%(4.5)2.14%
evolve Federal Credit Union-0.20%(4.5)0.72%
Citizens Bank of Las Cruces-0.16%(4.5)4.62%
Bank of America-0.15%(4.5)1.02%
Cadence Lending Group-0.15%(4.0)2.46%
Rocky Mountain Mortgage Company-0.10%(4.0)1.94%
JPMorgan Chase Bank-0.09%(4.0)1.33%
Guaranteed Rate-0.09%(4.0)1.28%
Plaza Home Mortgage-0.08%(4.0)0.95%
City Bank-0.07%(4.0)2.40%
Waterstone Mortgage Corporation-0.07%(4.0)0.97%
First National Bank Texas-0.07%(4.0)2.45%
Certainty Home Loans-0.06%(4.0)0.36%
Village Capital-0.05%(4.0)0.38%
Wells Fargo Bank-0.04%(3.5)2.34%
Keller Mortgage-0.04%(3.5)0.33%
PennyMac Loan Services-0.02%(3.5)0.47%
Freedom Mortgage Corporation-0.00%(3.5)0.74%
Pioneer Bank0.00%(3.5)0.46%
Flagstar Bank0.00%(3.5)0.66%
Patriot Mortgage Company0.00%(3.5)1.47%
GECU of El Paso0.00%(3.5)15.50%
Gateway First Bank0.00%(3.5)1.03%
Legacy Mutual Mortgage0.01%(3.5)0.95%
Amerisave Mortgage Corporation0.01%(3.5)0.31%
Cardinal Financial Company0.02%(3.5)0.30%
Town Square Mortgage0.02%(3.5)0.84%
Supreme Lending0.02%(3.5)0.28%
El Paso Area Teachers Federal Credit Union0.02%(3.5)1.06%
Sunflower Bank0.02%(3.5)0.59%
Caliber Home Loans0.03%(3.5)1.95%
LendUS LLC0.04%(3.5)0.87%
Mid America Mortgage0.05%(3.5)0.32%
New American Funding0.06%(3.0)7.93%
Carrington Mortgage Services0.06%(3.0)1.02%
CMG Financial0.07%(3.0)1.79%
Quicken Loans0.08%(3.0)6.05%
Bank of England AR0.08%(3.0)0.35%
Bank 340.10%(3.0)0.67%
Movement Mortgage0.12%(3.0)1.81%
Southwest Funding0.12%(3.0)0.30%
Fairway Independent Mortgage Corporation0.12%(3.0)2.24%
Academy Mortgage Corporation Utah0.14%(3.0)0.38%
Castle & Cooke Mortgage0.17%(2.5)1.12%
Commerce Home Mortgage0.19%(2.5)7.41%
Royal United Mortgage0.20%(2.5)0.28%
Mr. Cooper0.24%(2.5)0.65%
SecurityNational Mortgage Company0.29%(2.0)2.26%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.27%(5.0)3.25%
First American Bank New Mexico-0.25%(5.0)2.45%
FirstLight Federal Credit Union-0.25%(4.5)1.59%
JPMorgan Chase Bank-0.24%(4.5)0.88%
Bank of America-0.20%(4.5)0.72%
Citizens Bank of Las Cruces-0.16%(4.5)5.57%
Cadence Lending Group-0.15%(4.0)3.20%
Wells Fargo Bank-0.13%(4.0)1.98%
Rocky Mountain Mortgage Company-0.11%(4.0)2.31%
Guaranteed Rate-0.09%(4.0)1.54%
Plaza Home Mortgage-0.09%(4.0)1.14%
evolve Federal Credit Union-0.09%(4.0)0.16%
Waterstone Mortgage Corporation-0.08%(4.0)1.15%
City Bank-0.07%(4.0)3.07%
First National Bank Texas-0.07%(4.0)3.23%
Security Service Federal Credit Union-0.07%(4.0)0.28%
Certainty Home Loans-0.06%(4.0)0.47%
GECU of El Paso-0.04%(3.5)12.92%
Keller Mortgage-0.04%(3.5)0.40%
Pioneer Bank-0.03%(3.5)0.40%
Freedom Mortgage Corporation-0.01%(3.5)0.81%
Patriot Mortgage Company0.00%(3.5)1.98%
PennyMac Loan Services0.01%(3.5)0.14%
Flagstar Bank0.01%(3.5)0.70%
Legacy Mutual Mortgage0.01%(3.5)1.15%
Supreme Lending0.01%(3.5)0.29%
Amerisave Mortgage Corporation0.01%(3.5)0.02%
Gateway First Bank0.02%(3.5)0.97%
Sunflower Bank0.02%(3.5)0.68%
Town Square Mortgage0.02%(3.5)1.10%
Royal United Mortgage0.03%(3.5)0.05%
Bank of England AR0.04%(3.5)0.27%
Caliber Home Loans0.04%(3.5)2.12%
LendUS LLC0.04%(3.5)1.08%
Cardinal Financial Company0.05%(3.5)0.20%
El Paso Area Teachers Federal Credit Union0.05%(3.0)0.35%
Mid America Mortgage0.07%(3.0)0.32%
CMG Financial0.08%(3.0)2.24%
New American Funding0.08%(3.0)9.38%
Quicken Loans0.08%(3.0)3.00%
Mr. Cooper0.08%(3.0)0.15%
Bank 340.10%(3.0)0.85%
Carrington Mortgage Services0.11%(3.0)0.15%
Fairway Independent Mortgage Corporation0.13%(3.0)2.83%
Movement Mortgage0.13%(3.0)2.20%
Academy Mortgage Corporation Utah0.14%(3.0)0.49%
Southwest Funding0.14%(3.0)0.32%
Castle & Cooke Mortgage0.18%(2.5)1.31%
Commerce Home Mortgage0.20%(2.5)9.75%
SecurityNational Mortgage Company0.31%(2.0)2.79%
Lender NameRate DifferenceRate RatingMarket Share
Security Service Federal Credit Union-0.38%(5.0)2.42%
FirstLight Federal Credit Union-0.31%(5.0)7.04%
evolve Federal Credit Union-0.23%(4.5)2.32%
First American Bank New Mexico-0.14%(4.0)1.23%
Citizens Bank of Las Cruces-0.13%(4.0)1.84%
Bank of America-0.11%(4.0)1.91%
Village Capital-0.06%(4.0)1.47%
Rocky Mountain Mortgage Company-0.04%(3.5)0.89%
First National Bank Texas-0.04%(3.5)0.20%
Guaranteed Rate-0.03%(3.5)0.51%
Keller Mortgage-0.03%(3.5)0.14%
PennyMac Loan Services-0.03%(3.5)1.43%
Cadence Lending Group-0.03%(3.5)0.31%
New American Funding-0.02%(3.5)3.72%
Caliber Home Loans-0.02%(3.5)1.47%
Gateway First Bank-0.02%(3.5)1.23%
Navy Federal Credit Union-0.02%(3.5)0.61%
Mid America Mortgage-0.01%(3.5)0.34%
Cardinal Financial Company-0.01%(3.5)0.58%
Legacy Mutual Mortgage-0.01%(3.5)0.38%
Movement Mortgage-0.01%(3.5)0.68%
Flagstar Bank-0.01%(3.5)0.55%
City Bank-0.00%(3.5)0.44%
Waterstone Mortgage Corporation-0.00%(3.5)0.44%
Amerisave Mortgage Corporation0.00%(3.5)1.13%
El Paso Area Teachers Federal Credit Union0.01%(3.5)3.11%
Certainty Home Loans0.01%(3.5)0.03%
Fairway Independent Mortgage Corporation0.01%(3.5)0.55%
Southwest Funding0.01%(3.5)0.24%
Commerce Home Mortgage0.02%(3.5)0.61%
Freedom Mortgage Corporation0.02%(3.5)0.55%
Academy Mortgage Corporation Utah0.03%(3.5)0.03%
LendUS LLC0.03%(3.5)0.24%
CMG Financial0.04%(3.5)0.48%
Town Square Mortgage0.04%(3.5)0.10%
Sunflower Bank0.04%(3.5)0.31%
Bank 340.05%(3.5)0.14%
Plaza Home Mortgage0.05%(3.5)0.38%
Carrington Mortgage Services0.05%(3.0)3.55%
JPMorgan Chase Bank0.06%(3.0)2.63%
Pioneer Bank0.06%(3.0)0.61%
Supreme Lending0.06%(3.0)0.24%
SecurityNational Mortgage Company0.07%(3.0)0.72%
Castle & Cooke Mortgage0.07%(3.0)0.58%
GECU of El Paso0.07%(3.0)22.98%
Quicken Loans0.07%(3.0)14.89%
Wells Fargo Bank0.10%(3.0)3.38%
Bank of England AR0.15%(3.0)0.58%
Royal United Mortgage0.21%(2.5)0.96%
Mr. Cooper0.27%(2.0)2.08%
Lender NameRate DifferenceRate RatingMarket Share
FirstLight Federal Credit Union-0.28%(5.0)5.09%
Security Service Federal Credit Union-0.27%(5.0)1.58%
First American Bank New Mexico-0.21%(4.5)2.11%
evolve Federal Credit Union-0.18%(4.5)1.34%
Citizens Bank of Las Cruces-0.16%(4.5)6.22%
Bank of America-0.14%(4.0)1.82%
Guaranteed Rate-0.13%(4.0)0.88%
Waterstone Mortgage Corporation-0.08%(4.0)0.93%
Cadence Lending Group-0.07%(4.0)2.31%
JPMorgan Chase Bank-0.07%(4.0)2.44%
Gateway First Bank-0.03%(3.5)1.11%
City Bank-0.03%(3.5)2.07%
Wells Fargo Bank-0.02%(3.5)3.96%
Keller Mortgage-0.01%(3.5)0.40%
Rocky Mountain Mortgage Company-0.01%(3.5)1.06%
Certainty Home Loans0.01%(3.5)0.15%
First National Bank Texas0.01%(3.5)0.85%
Pioneer Bank0.02%(3.5)0.66%
Amerisave Mortgage Corporation0.02%(3.5)0.43%
GECU of El Paso0.03%(3.5)29.27%
Carrington Mortgage Services0.03%(3.5)0.73%
Fairway Independent Mortgage Corporation0.03%(3.5)0.88%
Patriot Mortgage Company0.03%(3.5)0.35%
PennyMac Loan Services0.04%(3.5)0.12%
Legacy Mutual Mortgage0.04%(3.5)0.51%
Cardinal Financial Company0.05%(3.5)0.30%
LendUS LLC0.05%(3.5)0.43%
El Paso Area Teachers Federal Credit Union0.05%(3.5)2.01%
Freedom Mortgage Corporation0.05%(3.5)0.30%
Flagstar Bank0.05%(3.0)0.27%
Supreme Lending0.06%(3.0)0.28%
CMG Financial0.06%(3.0)0.66%
Caliber Home Loans0.06%(3.0)0.68%
Mid America Mortgage0.07%(3.0)0.20%
Town Square Mortgage0.07%(3.0)0.25%
Southwest Funding0.08%(3.0)0.22%
Plaza Home Mortgage0.08%(3.0)0.38%
Movement Mortgage0.09%(3.0)1.64%
Sunflower Bank0.10%(3.0)0.61%
New American Funding0.10%(3.0)3.90%
Navy Federal Credit Union0.10%(3.0)1.01%
Quicken Loans0.12%(3.0)8.61%
Academy Mortgage Corporation Utah0.12%(3.0)0.25%
Bank 340.13%(3.0)0.60%
Commerce Home Mortgage0.15%(2.5)2.50%
Bank of England AR0.18%(2.5)0.28%
Castle & Cooke Mortgage0.19%(2.5)0.81%
SecurityNational Mortgage Company0.21%(2.5)0.85%
Royal United Mortgage0.24%(2.5)0.48%
Mr. Cooper0.31%(2.0)0.95%
Lender NameRate DifferenceRate RatingMarket Share
FirstLight Federal Credit Union-0.25%(5.0)2.86%
JPMorgan Chase Bank-0.22%(4.5)1.93%
First American Bank New Mexico-0.22%(4.5)2.70%
Bank of America-0.18%(4.5)1.49%
Citizens Bank of Las Cruces-0.14%(4.0)9.01%
Guaranteed Rate-0.13%(4.0)1.27%
Wells Fargo Bank-0.11%(4.0)3.86%
Waterstone Mortgage Corporation-0.08%(4.0)1.24%
Cadence Lending Group-0.06%(4.0)3.58%
evolve Federal Credit Union-0.06%(4.0)0.36%
Gateway First Bank-0.03%(3.5)1.16%
Security Service Federal Credit Union-0.03%(3.5)0.66%
Pioneer Bank-0.02%(3.5)0.63%
City Bank-0.01%(3.5)3.08%
GECU of El Paso0.00%(3.5)30.16%
Keller Mortgage0.01%(3.5)0.55%
Rocky Mountain Mortgage Company0.02%(3.5)1.10%
Certainty Home Loans0.03%(3.5)0.25%
First National Bank Texas0.04%(3.5)1.27%
Fairway Independent Mortgage Corporation0.05%(3.5)1.27%
Amerisave Mortgage Corporation0.05%(3.0)0.06%
Patriot Mortgage Company0.05%(3.0)0.58%
Supreme Lending0.05%(3.0)0.30%
LendUS LLC0.06%(3.0)0.55%
PennyMac Loan Services0.06%(3.0)0.06%
Freedom Mortgage Corporation0.07%(3.0)0.28%
Flagstar Bank0.08%(3.0)0.28%
Bank of England AR0.08%(3.0)0.06%
Royal United Mortgage0.08%(3.0)0.08%
Legacy Mutual Mortgage0.08%(3.0)0.58%
Carrington Mortgage Services0.08%(3.0)0.03%
Caliber Home Loans0.08%(3.0)0.83%
Plaza Home Mortgage0.08%(3.0)0.44%
Mr. Cooper0.08%(3.0)0.08%
CMG Financial0.08%(3.0)0.88%
Town Square Mortgage0.09%(3.0)0.39%
El Paso Area Teachers Federal Credit Union0.09%(3.0)0.83%
Mid America Mortgage0.09%(3.0)0.25%
Sunflower Bank0.12%(3.0)0.83%
Movement Mortgage0.12%(3.0)2.23%
Southwest Funding0.13%(3.0)0.17%
Academy Mortgage Corporation Utah0.14%(3.0)0.41%
Navy Federal Credit Union0.14%(3.0)1.40%
New American Funding0.14%(3.0)5.40%
Cardinal Financial Company0.14%(3.0)0.17%
Quicken Loans0.14%(3.0)4.16%
Bank 340.16%(2.5)0.88%
Commerce Home Mortgage0.18%(2.5)3.86%
Castle & Cooke Mortgage0.23%(2.5)1.02%
SecurityNational Mortgage Company0.27%(2.0)1.07%
Lender NameRate DifferenceRate RatingMarket Share
Security Service Federal Credit Union-0.38%(5.0)2.96%
FirstLight Federal Credit Union-0.32%(5.0)8.46%
evolve Federal Credit Union-0.23%(4.5)2.83%
First American Bank New Mexico-0.17%(4.5)1.21%
Citizens Bank of Las Cruces-0.15%(4.5)2.00%
Bank of America-0.11%(4.0)2.33%
Guaranteed Rate-0.06%(4.0)0.29%
First National Bank Texas-0.05%(4.0)0.21%
Rocky Mountain Mortgage Company-0.05%(3.5)1.00%
New American Funding-0.04%(3.5)1.63%
Keller Mortgage-0.03%(3.5)0.17%
Cadence Lending Group-0.03%(3.5)0.38%
Gateway First Bank-0.02%(3.5)1.04%
Cardinal Financial Company-0.02%(3.5)0.50%
Navy Federal Credit Union-0.02%(3.5)0.42%
Legacy Mutual Mortgage-0.01%(3.5)0.42%
Amerisave Mortgage Corporation-0.01%(3.5)1.00%
Movement Mortgage-0.01%(3.5)0.75%
Waterstone Mortgage Corporation-0.01%(3.5)0.46%
Carrington Mortgage Services-0.00%(3.5)1.79%
City Bank-0.00%(3.5)0.54%
PennyMac Loan Services0.00%(3.5)0.21%
Fairway Independent Mortgage Corporation0.01%(3.5)0.29%
El Paso Area Teachers Federal Credit Union0.01%(3.5)3.79%
Southwest Funding0.01%(3.5)0.29%
Mid America Mortgage0.02%(3.5)0.13%
Flagstar Bank0.02%(3.5)0.25%
Freedom Mortgage Corporation0.02%(3.5)0.33%
CMG Financial0.02%(3.5)0.33%
Commerce Home Mortgage0.03%(3.5)0.46%
LendUS LLC0.03%(3.5)0.25%
Caliber Home Loans0.04%(3.5)0.46%
Town Square Mortgage0.04%(3.5)0.04%
Bank 340.05%(3.5)0.17%
Sunflower Bank0.05%(3.5)0.29%
JPMorgan Chase Bank0.06%(3.0)3.21%
SecurityNational Mortgage Company0.06%(3.0)0.50%
Pioneer Bank0.06%(3.0)0.71%
Supreme Lending0.07%(3.0)0.25%
GECU of El Paso0.07%(3.0)27.93%
Plaza Home Mortgage0.08%(3.0)0.29%
Quicken Loans0.08%(3.0)15.34%
Castle & Cooke Mortgage0.09%(3.0)0.50%
Wells Fargo Bank0.10%(3.0)4.13%
Bank of England AR0.16%(2.5)0.63%
Royal United Mortgage0.23%(2.5)1.08%
Mr. Cooper0.30%(2.0)2.25%
Lender NameRate DifferenceRate RatingMarket Share
Cadence Lending Group-0.35%(5.0)2.23%
First American Bank New Mexico-0.33%(5.0)2.90%
Citizens Bank of Las Cruces-0.28%(5.0)2.44%
Rocky Mountain Mortgage Company-0.20%(4.5)3.11%
Plaza Home Mortgage-0.20%(4.5)2.20%
FirstLight Federal Credit Union-0.16%(4.5)0.34%
Certainty Home Loans-0.14%(4.0)0.67%
First National Bank Texas-0.14%(4.0)5.65%
Guaranteed Rate-0.13%(4.0)1.28%
Keller Mortgage-0.12%(4.0)0.21%
Sunflower Bank-0.10%(4.0)0.61%
Village Capital-0.09%(4.0)0.67%
Waterstone Mortgage Corporation-0.09%(4.0)1.46%
Navy Federal Credit Union-0.09%(4.0)0.15%
Carrington Mortgage Services-0.08%(4.0)1.01%
Bank of America-0.07%(4.0)0.18%
Quicken Loans-0.06%(4.0)2.93%
Freedom Mortgage Corporation-0.06%(4.0)1.53%
PennyMac Loan Services-0.05%(4.0)0.34%
Supreme Lending-0.05%(3.5)0.34%
Flagstar Bank-0.04%(3.5)0.82%
Patriot Mortgage Company-0.04%(3.5)3.05%
Town Square Mortgage-0.04%(3.5)2.08%
Cardinal Financial Company-0.03%(3.5)0.34%
LendUS LLC-0.03%(3.5)1.71%
Pioneer Bank-0.02%(3.5)0.15%
Caliber Home Loans-0.02%(3.5)3.27%
JPMorgan Chase Bank-0.02%(3.5)0.03%
Royal United Mortgage-0.01%(3.5)0.03%
Bank of England AR-0.01%(3.5)0.37%
City Bank-0.01%(3.5)1.50%
Legacy Mutual Mortgage-0.01%(3.5)1.40%
Amerisave Mortgage Corporation-0.01%(3.5)0.12%
New American Funding-0.01%(3.5)15.23%
CMG Financial0.02%(3.5)3.81%
Bank 340.03%(3.5)0.82%
Mid America Mortgage0.03%(3.5)0.52%
Mr. Cooper0.04%(3.5)0.43%
Fairway Independent Mortgage Corporation0.06%(3.0)3.05%
Gateway First Bank0.06%(3.0)1.01%
Movement Mortgage0.11%(3.0)2.41%
Academy Mortgage Corporation Utah0.13%(3.0)0.64%
Southwest Funding0.13%(3.0)0.46%
Castle & Cooke Mortgage0.16%(2.5)1.77%
Commerce Home Mortgage0.17%(2.5)16.66%
SecurityNational Mortgage Company0.29%(2.0)5.52%
Lender NameRate DifferenceRate RatingMarket Share
Cadence Lending Group-0.35%(5.0)2.39%
First American Bank New Mexico-0.34%(5.0)2.98%
Citizens Bank of Las Cruces-0.28%(5.0)2.62%
Plaza Home Mortgage-0.20%(4.5)2.32%
Rocky Mountain Mortgage Company-0.20%(4.5)3.34%
FirstLight Federal Credit Union-0.16%(4.5)0.36%
Certainty Home Loans-0.14%(4.0)0.72%
First National Bank Texas-0.14%(4.0)6.02%
Guaranteed Rate-0.13%(4.0)1.34%
Keller Mortgage-0.13%(4.0)0.23%
Sunflower Bank-0.11%(4.0)0.62%
Waterstone Mortgage Corporation-0.10%(4.0)1.50%
Navy Federal Credit Union-0.09%(4.0)0.16%
Bank of America-0.08%(4.0)0.20%
Freedom Mortgage Corporation-0.07%(4.0)1.50%
Quicken Loans-0.07%(4.0)1.70%
Supreme Lending-0.05%(4.0)0.33%
Flagstar Bank-0.05%(3.5)0.88%
Patriot Mortgage Company-0.05%(3.5)3.27%
Town Square Mortgage-0.04%(3.5)2.19%
Cardinal Financial Company-0.04%(3.5)0.26%
PennyMac Loan Services-0.04%(3.5)0.10%
LendUS LLC-0.03%(3.5)1.80%
Pioneer Bank-0.02%(3.5)0.16%
JPMorgan Chase Bank-0.02%(3.5)0.03%
Bank of England AR-0.02%(3.5)0.39%
Caliber Home Loans-0.01%(3.5)3.01%
City Bank-0.01%(3.5)1.60%
Legacy Mutual Mortgage-0.01%(3.5)1.47%
New American Funding-0.01%(3.5)15.08%
CMG Financial0.02%(3.5)4.02%
Carrington Mortgage Services0.02%(3.5)0.20%
Bank 340.02%(3.5)0.88%
Mid America Mortgage0.03%(3.5)0.56%
Mr. Cooper0.04%(3.5)0.29%
Fairway Independent Mortgage Corporation0.05%(3.0)3.14%
Gateway First Bank0.06%(3.0)1.05%
Movement Mortgage0.11%(3.0)2.58%
Southwest Funding0.12%(3.0)0.49%
Academy Mortgage Corporation Utah0.13%(3.0)0.65%
Commerce Home Mortgage0.17%(2.5)17.66%
Castle & Cooke Mortgage0.17%(2.5)1.77%
SecurityNational Mortgage Company0.30%(2.0)5.66%
Lender NameRate DifferenceRate RatingMarket Share
Carrington Mortgage Services-0.04%(3.5)12.27%
Village Capital-0.04%(3.5)10.00%
Caliber Home Loans-0.02%(3.5)6.82%
New American Funding-0.02%(3.5)17.27%
First American Bank New Mexico-0.01%(3.5)1.82%
Quicken Loans-0.01%(3.5)20.00%
PennyMac Loan Services-0.00%(3.5)3.64%
Gateway First Bank0.03%(3.5)0.45%
Plaza Home Mortgage0.03%(3.5)0.45%
Cardinal Financial Company0.03%(3.5)1.36%
Sunflower Bank0.03%(3.5)0.45%
Commerce Home Mortgage0.03%(3.5)2.73%
Guaranteed Rate0.04%(3.5)0.45%
First National Bank Texas0.04%(3.5)0.45%
Royal United Mortgage0.04%(3.5)0.45%
Supreme Lending0.04%(3.5)0.45%
Castle & Cooke Mortgage0.04%(3.5)1.82%
Legacy Mutual Mortgage0.05%(3.5)0.45%
Freedom Mortgage Corporation0.05%(3.5)1.82%
Amerisave Mortgage Corporation0.05%(3.5)1.82%
Town Square Mortgage0.05%(3.5)0.45%
Fairway Independent Mortgage Corporation0.05%(3.5)1.82%
Academy Mortgage Corporation Utah0.05%(3.0)0.45%
Waterstone Mortgage Corporation0.06%(3.0)0.91%
CMG Financial0.06%(3.0)0.91%
LendUS LLC0.07%(3.0)0.45%
Mr. Cooper0.09%(3.0)2.27%
SecurityNational Mortgage Company0.10%(3.0)3.64%
Lender NameRate DifferenceRate RatingMarket Share
FirstLight Federal Credit Union-0.02%(3.5)16.67%
Wells Fargo Bank-0.01%(3.5)10.00%
GECU of El Paso-0.00%(3.5)16.67%
JPMorgan Chase Bank-0.00%(3.5)3.33%
evolve Federal Credit Union-0.00%(3.5)3.33%
Quicken Loans-0.00%(3.5)3.33%
Bank 340.00%(3.5)3.33%
Bank of America0.00%(3.5)3.33%
First American Bank New Mexico0.00%(3.5)3.33%
City Bank0.01%(3.5)6.67%
Citizens Bank of Las Cruces0.01%(3.5)10.00%
Sunflower Bank0.02%(3.5)3.33%
SecurityNational Mortgage Company0.02%(3.5)3.33%
Town Square Mortgage0.03%(3.5)3.33%
Caliber Home Loans0.03%(3.5)3.33%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)16.67%
GECU of El Paso-0.00%(3.5)11.11%
JPMorgan Chase Bank-0.00%(3.5)5.56%
evolve Federal Credit Union-0.00%(3.5)5.56%
Citizens Bank of Las Cruces-0.00%(3.5)11.11%
Quicken Loans-0.00%(3.5)5.56%
Bank 34-0.00%(3.5)5.56%
Bank of America0.00%(3.5)5.56%
First American Bank New Mexico0.00%(3.5)5.56%
City Bank0.01%(3.5)11.11%
FirstLight Federal Credit Union0.01%(3.5)11.11%
Lender NameRate DifferenceRate RatingMarket Share
FirstLight Federal Credit Union-0.04%(3.5)25.00%
GECU of El Paso-0.00%(3.5)25.00%
Sunflower Bank0.02%(3.5)8.33%
SecurityNational Mortgage Company0.02%(3.5)8.33%
Citizens Bank of Las Cruces0.03%(3.5)8.33%
Town Square Mortgage0.03%(3.5)8.33%
Caliber Home Loans0.03%(3.5)8.33%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.34%(5.0)10.96%
City Bank-0.15%(4.0)4.71%
FirstLight Federal Credit Union-0.11%(4.0)0.87%
Cadence Lending Group-0.08%(4.0)3.32%
Rocky Mountain Mortgage Company-0.08%(4.0)2.69%
Village Capital-0.06%(4.0)1.01%
Legacy Mutual Mortgage-0.05%(4.0)1.54%
First National Bank Texas-0.04%(3.5)2.12%
First American Bank New Mexico-0.03%(3.5)1.01%
PennyMac Loan Services-0.03%(3.5)1.73%
Certainty Home Loans-0.02%(3.5)0.48%
Guaranteed Rate-0.01%(3.5)2.45%
Keller Mortgage-0.01%(3.5)0.34%
Wells Fargo Bank-0.01%(3.5)1.20%
Flagstar Bank-0.01%(3.5)1.54%
Mid America Mortgage-0.01%(3.5)0.38%
Sunflower Bank0.01%(3.5)0.43%
Patriot Mortgage Company0.01%(3.5)2.26%
Freedom Mortgage Corporation0.01%(3.5)0.82%
Royal United Mortgage0.02%(3.5)0.10%
Waterstone Mortgage Corporation0.02%(3.5)0.34%
Pioneer Bank0.03%(3.5)0.34%
Caliber Home Loans0.03%(3.5)3.56%
Bank of England AR0.04%(3.5)0.53%
Amerisave Mortgage Corporation0.04%(3.5)0.24%
Citizens Bank of Las Cruces0.04%(3.5)3.32%
Mr. Cooper0.05%(3.5)0.14%
Supreme Lending0.05%(3.5)0.19%
Gateway First Bank0.05%(3.5)0.87%
Cardinal Financial Company0.05%(3.5)0.24%
JPMorgan Chase Bank0.05%(3.0)0.14%
Castle & Cooke Mortgage0.07%(3.0)1.01%
Town Square Mortgage0.10%(3.0)0.58%
Quicken Loans0.10%(3.0)3.61%
Plaza Home Mortgage0.11%(3.0)0.62%
New American Funding0.12%(3.0)8.22%
Bank 340.12%(3.0)0.58%
Southwest Funding0.13%(3.0)0.29%
CMG Financial0.13%(3.0)1.88%
Academy Mortgage Corporation Utah0.13%(3.0)0.34%
LendUS LLC0.16%(2.5)0.82%
SecurityNational Mortgage Company0.17%(2.5)1.20%
Commerce Home Mortgage0.19%(2.5)7.16%
Fairway Independent Mortgage Corporation0.19%(2.5)4.95%
Movement Mortgage0.20%(2.5)1.39%
Carrington Mortgage Services0.21%(2.5)1.92%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.35%(5.0)12.34%
City Bank-0.15%(4.0)5.50%
FirstLight Federal Credit Union-0.11%(4.0)1.01%
Cadence Lending Group-0.08%(4.0)3.87%
Rocky Mountain Mortgage Company-0.08%(4.0)3.03%
Legacy Mutual Mortgage-0.05%(3.5)1.79%
First National Bank Texas-0.04%(3.5)2.47%
First American Bank New Mexico-0.04%(3.5)1.01%
Certainty Home Loans-0.02%(3.5)0.50%
Guaranteed Rate-0.01%(3.5)2.47%
Keller Mortgage-0.01%(3.5)0.39%
Wells Fargo Bank-0.00%(3.5)1.40%
PennyMac Loan Services0.00%(3.5)0.39%
Flagstar Bank0.00%(3.5)1.23%
Freedom Mortgage Corporation0.01%(3.5)0.73%
Sunflower Bank0.01%(3.5)0.50%
Patriot Mortgage Company0.01%(3.5)2.64%
Royal United Mortgage0.01%(3.5)0.06%
Waterstone Mortgage Corporation0.03%(3.5)0.39%
Pioneer Bank0.03%(3.5)0.34%
Bank of England AR0.04%(3.5)0.50%
Citizens Bank of Las Cruces0.04%(3.5)3.59%
Mr. Cooper0.05%(3.5)0.06%
Supreme Lending0.05%(3.0)0.22%
JPMorgan Chase Bank0.06%(3.0)0.17%
Caliber Home Loans0.06%(3.0)3.25%
Cardinal Financial Company0.06%(3.0)0.17%
Mid America Mortgage0.07%(3.0)0.06%
Castle & Cooke Mortgage0.08%(3.0)1.12%
Quicken Loans0.10%(3.0)2.86%
Town Square Mortgage0.10%(3.0)0.67%
Gateway First Bank0.12%(3.0)0.45%
Bank 340.13%(3.0)0.67%
Southwest Funding0.13%(3.0)0.34%
Academy Mortgage Corporation Utah0.14%(3.0)0.39%
CMG Financial0.14%(3.0)1.96%
New American Funding0.15%(2.5)7.80%
Plaza Home Mortgage0.15%(2.5)0.56%
Carrington Mortgage Services0.17%(2.5)0.34%
LendUS LLC0.17%(2.5)0.95%
SecurityNational Mortgage Company0.17%(2.5)1.40%
Commerce Home Mortgage0.19%(2.5)8.30%
Fairway Independent Mortgage Corporation0.21%(2.5)5.50%
Movement Mortgage0.22%(2.5)1.51%
Lender NameRate DifferenceRate RatingMarket Share
Village Capital-0.08%(4.0)7.07%
Caliber Home Loans-0.07%(4.0)5.39%
PennyMac Loan Services-0.05%(4.0)9.76%
Flagstar Bank-0.04%(3.5)3.37%
Plaza Home Mortgage-0.04%(3.5)1.01%
Mid America Mortgage-0.04%(3.5)2.36%
Guaranteed Rate-0.03%(3.5)2.36%
Navy Federal Credit Union-0.03%(3.5)2.69%
Gateway First Bank-0.03%(3.5)3.37%
Commerce Home Mortgage-0.02%(3.5)0.34%
Movement Mortgage-0.01%(3.5)0.67%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.68%
New American Funding-0.01%(3.5)10.77%
Certainty Home Loans-0.00%(3.5)0.34%
Royal United Mortgage0.01%(3.5)0.34%
Castle & Cooke Mortgage0.01%(3.5)0.34%
Bank of England AR0.01%(3.5)0.67%
Freedom Mortgage Corporation0.01%(3.5)1.35%
Pioneer Bank0.01%(3.5)0.34%
Citizens Bank of Las Cruces0.01%(3.5)1.68%
First American Bank New Mexico0.02%(3.5)1.01%
Cardinal Financial Company0.02%(3.5)0.67%
Amerisave Mortgage Corporation0.02%(3.5)1.68%
Mr. Cooper0.03%(3.5)0.67%
Rocky Mountain Mortgage Company0.03%(3.5)0.67%
CMG Financial0.05%(3.0)1.35%
Quicken Loans0.09%(3.0)8.08%
Carrington Mortgage Services0.20%(2.5)11.45%

* 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 of the data is 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 conditional on the commuting zone, 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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