Mortgage lending in El Paso, TX

12,795 mortgages were originated in the El Paso, TX area in 2025, and here is what they cost.

Loans originated

12,795

Median rate

6.375%

Median lender fees

$7,116

Median loan amount

$225,000

Median spread over APOR

0.252

Paid discount points

52.4%

Received lender credits

28.3%

Purchases / refinances

65.5% / 24.8%

Conventional / FHA / VA

49.3% / 25.5% / 24.5%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 87.5% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the El Paso, TX area, ranked by volume.