Lowest closing cost mortgage lenders in El Paso County County, Texas
In El Paso County, Texas, homebuyers paid a median of $8,920 in closing costs in 2024 — above the Texas median of $8,418. The county saw 6,957 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, FirstLight Federal Credit Union offered the lowest median costs at $2,723, which is $3,659 less than the county median.
Homebuyers in El Paso County County who chose FirstLight Federal Credit Union paid $6,197 less in closing costs than the county median.
County Median Costs
$8,920
+6.0% vs Texas ($8,418)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$3,006
Purchase Originations
6,957
vs Texas Median
6.0% above
$502
vs National Median
32.3% above
$2,179
Lender rankings in El Paso County County
49 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,723 | 6.500% | $0 | 29 | −$3,659 | |
| 2 | $2,997 | 6.875% | $0 | 233 | −$3,385 | |
| 3 | $3,033 | 6.500% | $1,406 | 32 | −$3,349 | |
| 4 | $3,244 | 6.375% | $1,166 | 17 | −$3,138 | |
| 5 | $3,682 | 6.500% | $0 | 31 | −$2,700 | |
| 6 | $4,392 | 6.625% | $1,300 | 12 | −$1,990 | |
| 7 | $5,277 | 6.500% | $1,995 | 41 | −$1,105 | |
| 8 | $5,401 | 6.750% | $2,691 | 18 | −$981 | |
| 9 | $5,884 | 6.250% | $1,950 | 23 | −$498 | |
| 10 | $5,957 | 6.500% | $2,636 | 17 | −$425 | |
| 11 | $5,965 | 6.990% | $2,738 | 32 | −$417 | |
| 12 | $6,213 | 6.375% | $2,780 | 380 | −$169 | |
| 13 | $6,303 | 6.625% | $3,882 | 11 | −$79 | |
| 14 | $6,479 | 6.500% | $3,274 | 126 | +$97 | |
| 15 | $6,504 | 6.125% | $3,450 | 35 | +$122 | |
| 16 | $6,743 | 6.500% | $2,925 | 45 | +$361 | |
| 17 | $6,796 | 6.125% | $3,205 | 38 | +$414 | |
| 18 | $6,988 | 6.000% | $4,127 | 24 | +$606 | |
| 19 | $7,140 | 6.500% | $4,437 | 106 | +$758 | |
| 20 | $7,171 | 6.531% | $4,059 | 48 | +$789 | |
| 21 | $7,186 | 6.562% | $4,003 | 16 | +$804 | |
| 22 | $7,196 | 6.875% | $3,659 | 13 | +$814 | |
| 23 | $7,232 | 6.625% | $4,377 | 16 | +$850 | |
| 24 | $7,626 | 7.125% | $4,214 | 104 | +$1,244 | |
| 25 | $8,197 | 6.625% | $4,997 | 172 | +$1,815 | |
| 26 | $8,513 | 6.875% | $4,915 | 47 | +$2,131 | |
| 27 | $8,604 | 6.750% | $5,268 | 92 | +$2,222 | |
| 28 | $8,682 | 6.750% | $4,924 | 18 | +$2,300 | |
| 29 | $9,057 | 6.625% | $5,525 | 81 | +$2,675 | |
| 30 | $9,124 | 6.625% | $6,644 | 15 | +$2,742 | |
| 31 | $9,629 | 6.990% | $6,006 | 14 | +$3,247 |
Includes lenders with 10+ purchase originations in El Paso County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Texas → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.