Mortgage lending in El Paso County, Texas
Lenders in El Paso County, Texas reported 23,313 mortgage applications for 2025, according to the CFPB.
23,313 mortgage applications and 12,745 loans originated in 2025; the denial rate was 23.9% of 17,738 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: El Paso, TX HUD Metro FMR Area.
- 23,313
- Applications
- 12,745
- Loans originated
- 23.9%
- Denial rate
- 4,237 denied of 17,738 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 23,313 | 12,745 |
| 2024 | 22,614 | 11,958 |
| 2023 | 20,619 | 10,438 |
| 2022 | 27,463 | 13,646 |
| 2021 | 39,283 | 21,198 |
| 2020 | 35,392 | 19,142 |
| 2019 | 23,531 | 13,198 |
| 2018 | 21,964 | 11,928 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gecu | 1,116 | 2,081 |
| United Wholesale Mortgage | 1,085 | 1,418 |
| Rocket Mortgage | 783 | 1,191 |
| Rocky Mountain Mortgage Company | 716 | 849 |
| Change Lending | 636 | 959 |
| CMG Mortgage Inc | 506 | 698 |
| Mortgage Research Center | 404 | 824 |
| Loanpeople, LLC | 382 | 540 |
| JPMorgan Chase Bank, NA | 379 | 568 |
| Cadence Lending Group, Inc. | 341 | 394 |
| Movement Mortgage, LLC | 261 | 424 |
| American Pacific Mortgage Corporation | 261 | 323 |
| First National Bank Texas | 245 | 337 |
| Navy Federal Credit Union | 226 | 615 |
| Patriot Mortgage Company | 220 | 256 |
| Crosscountry Mortgage, LLC | 217 | 286 |
| Raiz Federal Credit Union | 189 | 300 |
| Freedom Mortgage Corporation | 179 | 423 |
| Firstlight Federal Credit Unio | 175 | 625 |
| Guild Mortgage Company | 158 | 230 |
| American Portfolio Mortgage Corporation | 158 | 207 |
| Pennymac Loan Services LLC | 139 | 315 |
| City Bank | 137 | 191 |
| New American Funding, LLC. | 120 | 440 |
| loanDepot.com LLC | 119 | 259 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 284 | 26.2% of 214 decided |
| Asian | 385 | 23.7% of 283 decided |
| Black or African American | 893 | 18.6% of 677 decided |
| Native Hawaiian or Other Pacific Islander | 72 | 20.8% of 53 decided |
| White | 16,530 | 23.0% of 12,744 decided |
| 2 or more minority races | 59 | no rate: base under 50 |
| Joint | 412 | 15.4% of 318 decided |
| Free Form Text Only | 15 | no rate: base under 50 |
| Race Not Available | 4,663 | 28.8% of 3,388 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 15,486 | 24.6% of 11,864 decided |
| Not Hispanic or Latino | 3,487 | 19.5% of 2,695 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,355 | 26.7% of 2,420 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 9,404 | 24.4% of 7,125 decided |
| Female | 5,110 | 27.4% of 3,892 decided |
| Joint | 7,086 | 18.5% of 5,520 decided |
| Sex Not Available | 1,713 | 34.2% of 1,201 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 819 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved