Safe Rate Rankings

Best Conventional Mortgage Lenders in Amarillo

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders32

Total Loans2,542

Median Rate Spread0.41%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ALLIANCE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,175Fees	0.027%Above	170
2	Amarillo National BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,181Fees	0.129%Above	585
3	Education Credit UnionCredit Union	Exceptional	Strong	Sound	Exceptional	Exceptional	$409Fees	0.563%Above	121
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$641Fees	0.541%Below	18
5	ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,197Fees	0.332%Above	231
6	Texas Tech Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	Strong	$1,246Fees	0.168%Above	143
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,876Fees	0.167%Above	23
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,524Fees	0.507%Above	147
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,027Fees	0.109%Above	72
10	First United BankBank	Strong	Sound	Sound	Strong	Strong	$2,500Fees	0.154%Above	88
11	Centennial BankBank	Strong	Sound	Strong	Sound	Strong	$1,341Fees	0.593%Above	67
12	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,717Fees	0.247%Above	63
13	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,919Fees	0.534%Above	54
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,396Fees	0.575%Above	48
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,470Fees	0.577%Above	45
16	ACFCU Federal Credit UnionCredit Union	Strong	Acceptable	Sound	Exceptional	Strong	$587Fees	1.441%Above	44
17	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,415Fees	0.699%Above	22
18	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,690Fees	0.026%Above	18
19	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$3,243Fees	0.895%Above	214
20	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,675Fees	0.904%Above	91
21	Access Community Credit UnionCredit Union	Strong	Acceptable	Sound	Strong	Strong	$1,333Fees	0.743%Above	54
22	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,239Fees	0.095%Below	18
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,679Fees	0.334%Above	10
24	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$2,258Fees	0.530%Above	10
25	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,149Fees	0.857%Above	38
26	MEMBER HOME LOAN, L.L.C.Independent Mortgage Company	Sound	Acceptable	Sound	Acceptable	Sound	$1,315Fees	0.637%Above	10

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.