Applications / Mortgage Analytics / Lenders / Texas / JNC Mortgage Company
El Paso, TX · Non-bank lender · CFPB · 175 loans in 2025
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175
loans originated, 2025
175
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JNC Mortgage Company, an El Paso lender to home buyers, makes almost all its loans with government backing, the opposite of similar lenders.
Loans insured by the Federal Housing Administration made up 52.0% of its lending and loans guaranteed by the Department of Veterans Affairs 36.6%. At similar lenders, non-bank lenders making between half and twice as many loans, the shares were 13.9% and 2.1%. Only 10.3% of its loans were conventional, the lowest among its 25 peers. Purchases made up 99.4%.
It made 84.0% of its loans in majority-minority neighborhoods, against 18.6% at peers, and 28.0% in low- and moderate-income ones, against 17.0%. El Paso, its largest market, is a possible reason for both.
Its loans rose 39% to 175, while peers grew 2% and the whole market 10%. That recovers about half of the fall from 217 loans in 2021 to 126 in 2024. It first reported in 2019; 2020 has no report, which is a gap in the record, not a year without lending.
It ranked 33 of 332 lenders in El Paso, with a share unchanged at 0.8%; United Wholesale Mortgage and Rocky Mountain Mortgage Company led. It lends in one state and four metros. Its typical rate, 5.38%, was the lowest among its peers; the record does not say why.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. JNC Mortgage Company took 175 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.4% · Refinance 0.6%
FHA 52.0% · VA 36.6% · Conventional 10.3% · USDA (RHS or FSA) 1.1% · of 175 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 175 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 97 |
| Houston-Pasadena-The Woodlands | 52 |
| Austin-Round Rock-San Marcos | 13 |
| Killeen-Temple | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FRM3OFF8EM0191 | 2019–2025 |
Established date not on record. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: JNC Mortgage Company's data.
JNC Mortgage Company's data
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JNC Mortgage Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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