Safe Rate Rankings

Best FHA 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	Amarillo National BankBank	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,181Fees	0.129%Above	585
2	ALLIANCE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,175Fees	0.027%Above	170
3	ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,197Fees	0.332%Above	231
4	Texas Tech Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	Strong	$1,246Fees	0.168%Above	143
5	First United BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$2,500Fees	0.154%Above	88
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,027Fees	0.109%Above	72
7	Centennial BankBank	Strong	Strong	Strong	Sound	Strong	$1,341Fees	0.593%Above	67
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Exceptional	Strong	Acceptable	$2,328Fees	0.203%Above	10
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,524Fees	0.507%Above	147
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,717Fees	0.247%Above	63
11	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$2,690Fees	0.026%Above	18
12	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,243Fees	0.895%Above	214
13	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,919Fees	0.534%Above	54
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	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	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,802Fees	0.360%Above	19
17	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,675Fees	0.904%Above	91
18	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,149Fees	0.857%Above	38
19	HOMETRUST MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,693Fees	0.324%Above	13
20	DAS Acquisition Company, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Exceptional	Acceptable	$3,466Fees	0.751%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.