Amarillo National Bank: 2025 mortgage rates, costs & approvals
How Amarillo National Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Amarillo National Bank · LEI 549300ASIS4D2QDWH380
In 2025, Amarillo National Bank originated 925 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 10 states — 488th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 5 basis points below the national median. Median conventional loan costs were $4,250, 24% lower than the national median ($5,570).
It denied 1.1% of completed home-purchase applications (all lenders: 8.5%).
How Amarillo National Bank priced home-purchase loans
| Purchase loans, 2025 | Amarillo National Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | 5.625% | 5.875% |
| Rate spread vs. APOR · conventional | +0.08 pts | +0.13 pts |
| Total loan costs · conventional | $4,250 | $5,570 |
| Total loan costs · FHA | $8,300 | $11,310 |
| Total loan costs · VA | $5,950 | $6,490 |
| Origination charges (all types) | $1,200 | $1,860 |
| Borrowers paying discount points | 9.9% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 10.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Amarillo National Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 905 | 1,188 | 1.1% | 6.625% | $4,250 |
| New Mexico | 6 | 6 | — | — | — |
| Oklahoma | 5 | 6 | — | — | — |
| Kansas | 3 | 4 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Idaho | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Amarillo National Bank's page for that state.
Counties where Amarillo National Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Carson County, TX | 1 | 16 | 20.3% |
| Cochran County, TX | 2 | 1 | 20.0% |
| Hutchinson County, TX | 1 | 41 | 18.5% |
| Randall County, TX | 1 | 430 | 17.7% |
| Potter County, TX | 1 | 164 | 17.3% |
| Hansford County, TX | 1 | 6 | 16.2% |
| Briscoe County, TX | 4 | 1 | 12.5% |
| Hall County, TX | 1 | 3 | 12.0% |
| Childress County, TX | 3 | 4 | 11.1% |
| Hartley County, TX | 1 | 6 | 10.7% |
| Castro County, TX | 2 | 4 | 10.5% |
| Hemphill County, TX | 3 | 2 | 10.5% |
| Armstrong County, TX | 1 | 3 | 10.3% |
| Parmer County, TX | 1 | 4 | 9.5% |
| Collingsworth County, TX | 4 | 1 | 9.1% |
Check Amarillo National Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300ASIS4D2QDWH380.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Amarillo National Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology