Amarillo National Bank Mortgage Rates, Fees & Info
Amarillo, TXLEI: 549300ASIS4D2QDWH380
Tax ID: 75-0109799
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Mortgage Data
Review & Overview
Amarillo National Bank is a smaller bank specializing in Home Purchase loans. Amarillo National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Amarillo, Lubbock, College Station, Dallas, and Borger among others. We have data for 50 markets. (Some data included below & more in-depth data is available with an active subscription.)Amarillo National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Amarillo National Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.06% | 10/23/24 |
| 30 Year Conventional Refi | 6.85% | 10/23/24 |
| 30 Year Cash-out Refi | 7.06% | 10/23/24 |
| 30 Year FHA Purchase | 7.33% | 10/23/24 |
| 30 Year FHA Refi | 6.63% | 10/23/24 |
| 30 Year VA Purchase | 6.08% | 10/23/24 |
| 30 Year VA Refi | 5.94% | 10/23/24 |
| 30 Year USDA Purchase | 7.36% | 10/23/24 |
| 15 Year Conventional Purchase | 6.36% | 10/23/24 |
| 15 Year Conventional Refi | 6.15% | 10/23/24 |
| 15 Year Cash-out Refi | 6.15% | 10/23/24 |
| 15 Year FHA Purchase | 7.65% | 10/23/24 |
| 15 Year VA Refi | 5.68% | 10/23/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Amarillo National Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,770Origination Dollar Volume (All Markets)
$359,450,000Awards
Amarillo National Bank - 2022
Amarillo National Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| AMARILLO, TX (FHA|USDA|VA) | 1,207 | $233,135,000 | $193,152 | $4,484 | 5.53% |
| LUBBOCK, TX (FHA|USDA|VA) | 167 | $35,885,000 | $214,880 | $4,621 | 5.39% |
| Outside of Metro Areas | 95 | $14,835,000 | $156,158 | $4,320 | 5.53% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 42 | $14,000,000 | $333,333 | $5,159 | 5.51% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 36 | $12,430,000 | $345,278 | $5,928 | 5.53% |
| Borger, TX (FHA|USDA|VA) | 79 | $9,775,000 | $123,734 | $4,111 | 5.60% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 13 | $4,645,000 | $357,308 | $6,416 | 5.22% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $3,965,000 | $440,556 | $6,483 | 6.06% |
| Dumas, TX (FHA|USDA|VA) | 25 | $3,825,000 | $153,000 | $5,047 | 5.35% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $2,560,000 | $1,280,000 | $5,437 | 6.13% |
| Pampa, TX (FHA|USDA|VA) | 18 | $1,820,000 | $101,111 | $3,240 | 5.72% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $1,645,000 | $1,645,000 | $8,717 | 7.25% |
| Hereford, TX (FHA|USDA|VA) | 10 | $1,580,000 | $158,000 | $4,153 | 6.00% |
| Brenham, TX (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $6,632 | 4.67% |
| Taos, NM (FHA|USDA|VA) | 1 | $1,345,000 | $1,345,000 | $4,127 | 3.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $3,762 | 5.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $1,195,000 | $1,195,000 | $0 | 3.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $3,589 | 5.50% |
| Plainview, TX (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $5,229 | 6.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $5,897 | 6.38% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,320 | 4.67% |
| WACO, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,737 | 6.42% |
| Huntsville, TX (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $5,575 | 5.08% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $3,282 | 8.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $4,065 | 4.34% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $2,810 | 4.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,054 | 4.38% |
| Stephenville, TX (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,002 | 5.75% |
| Levelland, TX (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $6,214 | 5.34% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,059 | 5.75% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,451 | 5.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,526 | 7.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,923 | 3.63% |
| Newport, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,457 | 3.75% |
| Carroll, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,535 | 4.88% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,937 | 5.50% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,673 | 6.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,950 | 5.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,047 | 6.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.25% |
| Snyder, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,359 | 4.88% |
| Lamesa, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,297 | 6.63% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,386 | 3.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,671 | 5.88% |
| Woodward, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,411 | 4.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,887 | 3.63% |
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Product Mix
For 2022, Amarillo National Bank's most frequently originated type of loan was Conventional, with 1,168 originations. Their 2nd most popular type was HELOC, with 369 originations.
Loan Reason
For 2022, Amarillo National Bank's most frequently cited loan purpose was Home Purchase, with 1,061 originations. The 2nd most popular reason was Other, with 416 originations.
Loan Duration/Length
For 2022, Amarillo National Bank's most frequently cited loan duration was 30 Year, with 1,045 originations. The 2nd most popular length was 15 Year, with 599 originations.
Origination Fees/Closing Costs
Amarillo National Bank's average total fees were $5,101, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,099 originations.
Interest Rates
During 2022, Amarillo National Bank's average interest rate for loans was 5.32%, while their most frequently originated rate bucket for loans was 5-6%, with 531 originations.
Loan Sizing
2022 saw Amarillo National Bank place emphasis on $100k-200k loans with 564 originations, totaling $84,190,000 in origination value.
Applicant Income
Amarillo National Bank lent most frequently to those with incomes in the $100k-150k range, with 409 originations. The second most popular income band? $50k-75k, with 365 originations.
Applicant Debt to Income Ratio
Amarillo National Bank lent most frequently to those with DTI ratios of 20-30%, with 354 originations. The next most common DTI ratio? 30-36%, with 329 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.91%
Amarillo National Bank has an average approval rate.
Pick Rate
Approvals leading to origination67.40%
Amarillo National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,770 | $359,450,000 | $203,079 |