# Amarillo National Bank

> **Canonical URL:** https://saferate.com/lenders/amarillo-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Amarillo National Bank is a bank, headquartered in Amarillo, TX, serving borrowers across 11 states, with 865 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ASIS4D2QDWH380
- **Headquarters:** Amarillo, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AR, AZ, CO, FL, KS, MS, NC, NM, OK, TN, TX
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,178
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 865
- **Dollar Volume:** $243 million
- **Applications Received:** 1,150
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $281,393
- **Average Borrower Income:** $157,509
- **Average Property Value:** $378,329

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 661 | +0.158% | $1,184 | Strong 😀 |
| FHA | 75/100 | 154 | +0.215% | $1,255 | Strong 😀 |
| VA | 70/100 | 35 | -0.419% | $957 | Strong 😀 |
| Jumbo | 42/100 | 13 | +0.663% | $489 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 589 loans, Score: 78/100 (Strong)
- Refinance: 72 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 153 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 34 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 789 | $221M | +0.153% | Strong 😀 |
| Refinance | 68/100 | 76 | $22M | +0.178% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 838 | 0.24% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Amarillo, TX | TX | 585 | 100/100 |
| Non |  | 144 | 57/100 |
| Lubbock, TX | TX | 56 | 65/100 |
| College Station | TX | 15 | 51/100 |
| Dallas | TX | 13 | 40/100 |
| Austin | TX | 10 | 39/100 |

## Where This Lender Ranks

Amarillo National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Texas Banks
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks)
- 🥇 **#1** in Texas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Amarillo, TX
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders)
- 🥇 **#1** in Amarillo, TX Banks
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks)
- 🥇 **#1** in Amarillo, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Amarillo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Amarillo, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Amarillo, TX for VA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Amarillo, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Lubbock, TX Banks
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks)
- 🥇 **#1** in Lubbock, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Lubbock, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lubbock, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Texas for FHA Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Amarillo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Texas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Texas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Lubbock, TX
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders)
- 🏆 **#4** in Texas
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders)
- 🏆 **#4** in Lubbock, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Amarillo National Bank offer?

Amarillo National Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Amarillo National Bank offer mortgages?

Amarillo National Bank offers mortgages in 11 states: AR, AZ, CO, FL, KS, MS, NC, NM, OK, TN, TX.

### How competitive are Amarillo National Bank's mortgage rates?

Amarillo National Bank has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% above market average.

### What type of lender is Amarillo National Bank?

Amarillo National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Amarillo, TX.

### What is Amarillo National Bank's loan approval success rate?

Amarillo National Bank has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/amarillo-national-bank

### How to Cite

> "Amarillo National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/amarillo-national-bank

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