We analyzed every closed loan from Amarillo National Bank — 865 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 5 mkts
Awards
FHA
Champion
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Amarillo National Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+15.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 661 | 76.4% | +0.158%Above | $1,184Fees | ||||
FHA Loans | 154 | 17.8% | +0.215%Above | $1,255Fees | ||||
VA Loans | 35 | 4.0% | -0.419%Below | $957Fees | ||||
Jumbo Loans | — | — | 13 | 1.5% | +0.663%Above | $489Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume661
Mix76.4%
Spread
+0.158%Above
Fees
$1,184Fees
FHA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume154
Mix17.8%
Spread
+0.215%Above
Fees
$1,255Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume35
Mix4.0%
Spread
-0.419%Below
Fees
$957Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix1.5%
Spread
+0.663%Above
Fees
$489Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 789 | 91.2% | +0.153%Above | $1,191Fees | ||||
Refinance | 76 | 8.8% | +0.178%Above | $1,042Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume789
Mix91.2%
Spread
+0.153%Above
Fees
$1,191Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume76
Mix8.8%
Spread
+0.178%Above
Fees
$1,042Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
865
Applications
1,150
Volume
$243 million
Pricing & Closing
Avg Rate Spread
+0.155%
vs. market APOR
Avg Net Fees
$1,178
Origination − Credits
Pullthrough Rate
75.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$281,393
Avg Borrower Income
$157,509
Avg Property Value
$378,329
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
11Midwest1
KS
South7
ARFLMSNCOKTNTX
West3
AZCONM
Top Metro Areas by Place Specialization Score
Volume 585Mix 67.63% of portfolio
100/100
Exceptional
Volume 56Mix 6.47% of portfolio
65/100
Strong
Volume 15Mix 1.73% of portfolio
51/100
Sound
Volume 13Mix 1.50% of portfolio
40/100
Sound
Volume 10Mix 1.16% of portfolio
39/100
AcceptableTop States by Place Specialization Score
1
TexasState
Volume 838Mix 96.88% of portfolio
82/100
ExceptionalHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.