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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Amarillo
Updated February 5, 2026
Market Overview
32
Total Lenders
2,542
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,175 | +0.027% | 170 | |
2 | Amarillo National Bank | Exceptional | Strong | Exceptional | Exceptional | $1,181 | +0.129% | 585 | |
3 | Education Credit Union | Exceptional | Strong | Exceptional | Exceptional | $409 | +0.563% | 121 | |
4 | Texas Tech Federal Credit Union | Exceptional | Strong | Exceptional | Strong | $1,246 | +0.168% | 143 | |
5 | ASSOCIATED MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,197 | +0.332% | 231 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,027 | +0.109% | 72 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,876 | +0.167% | 23 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,524 | +0.507% | 147 | |
9 | First United Bank | Strong | Sound | Sound | Strong | $2,500 | +0.154% | 88 | |
10 | Centennial Bank | Strong | Sound | Sound | Strong | $1,341 | +0.593% | 67 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,717 | +0.247% | 63 | |
12 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $3,243 | +0.895% | 214 | |
13 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,686 | +0.103% | 67 | |
14 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $2,919 | +0.534% | 54 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,396 | +0.575% | 48 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,470 | +0.577% | 45 | |
17 | ACFCU Federal Credit Union | Sound | Acceptable | Sound | Strong | $587 | +1.441% | 44 | |
18 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,415 | +0.699% | 22 | |
19 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Strong | $3,675 | +0.904% | 91 | |
20 | Access Community Credit Union | Sound | Acceptable | Acceptable | Strong | $1,333 | +0.743% | 54 | |
21 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | $4,149 | +0.857% | 38 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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