El Paso Area Teachers mortgage approval rate & lending review
El Paso Area Teachers decided 670 mortgage applications and funded 521 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions El Paso Area Teachers reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
El Paso Area Teachers at a glance
Approval is 6.7 points above the 73.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 133 / 141 | 98% | $255K | 130 |
| Home improvement loans | 56% | 78 / 139 | 90% | $55K | 70 |
| Cash-out refinance | 83% | 212 / 255 | 98% | $75K | 207 |
| Investment property purchase | 97% | 71 / 73 | 96% | $135K | 68 |
| Investment cash-out refinance | 75% | 21 / 28 | 100% | $125K | 21 |
El Paso Area Teachers lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 81% | $75K | 639 | 499 |
| New Mexico | 74% | $165K | 31 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where El Paso Area Teachers lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| El Paso County, TX | Cash-out refinance | 83% | 248 | 203 |
| El Paso County, TX | Mortgage lenders | 94% | 126 | 115 |
| El Paso County, TX | Home improvement loans | 59% | 129 | 68 |
| El Paso County, TX | Investment property purchase | 98% | 65 | 61 |
| El Paso County, TX | Investment cash-out refinance | 75% | 28 | 21 |
| El Paso County, TX | Refinance | 60% | 20 | 12 |
The county markets where El Paso Area Teachers made the most loans. Each link opens that market with every lender ranked.
Questions about El Paso Area Teachers
What is El Paso Area Teachers's mortgage approval rate?
El Paso Area Teachers approved 80.6% of the 670 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.7 points above the 73.9% national rate for the same mix of loan types.
How often do borrowers take the loan El Paso Area Teachers offers?
Borrowers accepted 96% of the loans El Paso Area Teachers approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does El Paso Area Teachers make?
The typical cash-out refinance loan El Paso Area Teachers made was $75K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does El Paso Area Teachers lend?
El Paso Area Teachers decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and New Mexico.
Can I apply to El Paso Area Teachers directly?
Yes. El Paso Area Teachers reports as a direct lender that takes applications from borrowers.
Does this page show El Paso Area Teachers's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how El Paso Area Teachers treats applications, then get a rate quote from the lender.