What people paid for mortgages in El Paso County, TX (2025)
Across 7,616 closed home-purchase loans in 2025, the median interest rate in El Paso was 6.25%, and the middle half of borrowers got between 5.75% and 6.75%. Median total loan costs ran $9,244 on a median loan of $265,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $9,244
- Median loan amount
- $265,000
7,616 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.99%
- Median total loan costs
- $5,080
- Median loan amount
- $205,000
2,405 loans, 2025.
Lowest median rates in El Paso (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.JNC MORTGAGE COMPANY, INC.5.5%95 loans, median costs $4,609
- 2.Rocky Mountain Mortgage Company5.625%703 loans, median costs $10,072
- 3.PATRIOT MORTGAGE COMPANY5.625%215 loans, median costs $11,943
- 4.City Bank5.875%104 loans, median costs $7,824
- 5.Sunflower Bank, National Association5.99%92 loans, median costs $9,673
Among lenders with at least 30 closed purchase loans in El Paso County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%314 loans, median costs $5,128
- 2.PLANET HOME LENDING, LLC5.75%91 loans, median costs $5,202
- 3.VILLAGE CAPITAL & INVESTMENT LLC5.75%53 loans, median costs $4,596
- 4.Mortgage Research Center, LLC5.75%39 loans, median costs $4,893
- 5.PENNYMAC LOAN SERVICES, LLC5.99%82 loans, median costs $5,856
Among lenders with at least 30 closed refinance loans in El Paso County in 2025.
Lender by lender in El Paso
Every lender that closed at least 5 qualifying loans in El Paso County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Rocky Mountain Mortgage Company | 703 | 5.625% | $10,072 | $2,716 | $8,002 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 694 | 6.124% | $9,275 | $2,856 | $4,704 |
| 3 | Commerce Home Mortgage, Inc. | 540 | 6.5% | $10,002 | $3,114 | $3,155 |
| 4 | CMG MORTGAGE, INC. | 398 | 6.25% | $10,560 | $3,388 | $2,811 |
| 5 | Mortgage Research Center, LLC | 363 | 6.25% | $6,593 | $0 | $1,421 |
| 6 | LOANPEOPLE, LLC | 361 | 6.49% | $11,243 | $4,149 | $3,914 |
| 7 | CADENCE LENDING GROUP, INC. | 309 | 6.15% | $11,844 | $5,192 | $7,300 |
| 8 | JPMorgan Chase Bank, National Association | 259 | 6.5% | $6,070 | $2,765 | $1,832 |
| 9 | AMERICAN PACIFIC MORTGAGE CORPORATION | 256 | 6.25% | $12,426 | $4,247 | $3,250 |
| 10 | Rocket Mortgage, LLC | 228 | 6.49% | $9,138 | $3,447 | $2,696 |
| 11 | First National Bank Texas | 223 | 6.25% | $9,930 | $3,274 | $2,960 |
| 12 | PATRIOT MORTGAGE COMPANY | 215 | 5.625% | $11,943 | $4,901 | $9,068 |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 171 | 6.25% | $9,534 | $1,995 | $5,695 |
| 14 | MOVEMENT MORTGAGE, LLC | 166 | 6.5% | $10,639 | $3,611 | $2,891 |
| 15 | GECU | 164 | 6.625% | $2,995 | $0 | $308 |
| 16 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 147 | 6.375% | $8,580 | $1,995 | $4,532 |
| 17 | GUILD MORTGAGE COMPANY | 127 | 6.25% | $8,278 | $1,753 | $2,420 |
| 18 | Navy Federal Credit Union | 124 | 6% | $4,941 | $0 | $2,809 |
| 19 | City Bank | 104 | 5.875% | $7,824 | $2,231 | $2,540 |
| 20 | SECURITYNATIONAL MORTGAGE COMPANY | 104 | 6.75% | $11,607 | $4,347 | $5,151 |
| 21 | JNC MORTGAGE COMPANY, INC. | 95 | 5.5% | $4,609 | n/a | n/a |
| 22 | Sunflower Bank, National Association | 92 | 5.99% | $9,673 | $3,205 | $5,011 |
| 23 | 21st Mortgage Corporation | 90 | 10.46% | n/a | n/a | n/a |
| 24 | KIND LENDING, LLC | 76 | 6.375% | $9,371 | $1,435 | $1,897 |
| 25 | DIRECTIONS EQUITY, LLC | 66 | 6.125% | $7,016 | $0 | $5,643 |
| 26 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 57 | 7.75% | $1,293 | $0 | $3,249 |
| 27 | LOWER, LLC | 55 | 6.5% | $9,185 | $1,399 | $3,536 |
| 28 | EUSTIS MORTGAGE CORPORATION | 54 | 6.49% | $8,043 | $1,300 | $1,978 |
| 29 | NEWREZ LLC | 50 | 6.125% | $9,549 | $999 | $2,380 |
| 30 | Waterstone Mortgage Corporation | 48 | 6.438% | $10,981 | $3,348 | $2,190 |
| 31 | Broker Solutions, Inc. | 44 | 6.5% | $9,102 | $3,408 | $3,788 |
| 32 | FirstLight Federal Credit Union | 44 | 6.125% | $4,770 | $803 | $3,975 |
| 33 | GUARANTEED RATE, INC. | 43 | 6.375% | $5,805 | $1,640 | $896 |
| 34 | SUCCESS LENDING, LLC | 41 | 5.99% | $8,538 | $2,451 | $1,737 |
| 35 | USAA Federal Savings Bank | 39 | 6.25% | $6,312 | $1,521 | $1,777 |
| 36 | Fairway Independent Mortgage Corporation | 37 | 6.25% | $7,453 | $2,506 | $3,562 |
| 37 | Plains Commerce Bank | 34 | 6.625% | $7,446 | $2,882 | $4,530 |
| 38 | UNION HOME MORTGAGE CORP. | 33 | 6.375% | $12,421 | $5,240 | $5,287 |
| 39 | Raiz Federal Credit Union | 31 | n/a | n/a | n/a | n/a |
| 40 | Sierra Pacific Mortgage Company, Inc. | 30 | 6.688% | $6,789 | $3,000 | $2,206 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the El Paso figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in El Paso County in 2025?
The median interest rate on closed home-purchase loans in El Paso County, Texas in 2025 was 6.25%, across 7,616 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.