Applications / Mortgage Analytics / Lenders / Texas / Patriot Mortgage Company
El Paso, TX · Independent non-bank lender · CFPB · 224 loans in 2025
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224
loans originated, 2025
260
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Patriot Mortgage Company is an El Paso homebuyers' lender that makes almost nothing but government-backed loans, nearly all of them in majority-minority neighborhoods.
Every loan Patriot Mortgage Company made in 2025 was for a home purchase. Some 60.3% were insured by the Federal Housing Administration (FHA) and 26.8% were guaranteed by the Department of Veterans Affairs (VA). At the typical similar lender, meaning independent non-bank lenders making between half and twice as many loans, those shares were 16.5% and 3.1%. Only 10.7% of its loans were conventional, against 76.8% at peers.
El Paso is where it does its business. It ranks 16 of 332 lenders there, and 99.6% of its loans were in majority-minority neighborhoods, against 21.5% at peers.
It made 224 loans, down 12% on 2024, while the whole market grew 10%. Its El Paso share fell to 1.9% from 2.4%. Its volume has swung between 183 and 297 loans a year since 2018, so one weaker year may be no more than a return to its usual range.
Its typical rate was 5.62%, against 6.50% at similar lenders, lower than almost all of them, and none of its loans was higher-priced (a rate well above the average for similar loans). It denied 1.8% of decided home-purchase applications, about half the peers' 3.6%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Patriot Mortgage Company took 260 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
FHA 60.3% · VA 26.8% · Conventional 10.7% · USDA (RHS or FSA) 2.2% · of 224 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 | 224 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 220 |
| Dallas-Plano-Irving | 2 |
| Killeen-Temple | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GZJ5RFM7VED177 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4323846 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7742884353 | |
| Respondent ID (the HMDA filer code before 2018) | 71251400006 | 2001–2005 |
Established 25 June 1998. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Patriot Mortgage Company's data.
Patriot Mortgage Company's data
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Patriot 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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