AMARILLO Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Amarillo averaged 6.84% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.94% and one month ago for the week of 2025-05-29, the average rate was 6.76%.

Amarillo's average rate one year ago was 6.73%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Amarillo 30 Year Fixed Rate 2025-07-03 6.84%
Amarillo 30 Year Fixed Rate Refi 2025-07-03 7.21%
Amarillo 15 Year Fixed Rate 2025-07-03 6.36%
Amarillo 15 Year Fixed Rate Refi 2025-07-03 5.9%
Amarillo 30 Year FHA 2025-07-03 -0.05%
Amarillo 30 Year FHA Refi 2025-07-03 -0.2%
Amarillo 30 Year USDA 2025-07-03 -0.1%
Amarillo 30 Year USDA Refi 2025-07-03 -0.2%
Amarillo 30 Year VA 2025-07-03 0.01%
Amarillo 30 Year VA Refi 2025-07-03 -0.43%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within AMARILLO, TX.

AMARILLO Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the AMARILLO, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Amarillo National Bank 424 6.72% $4,755
QUICKEN LOANS, LLC 111 6.99% $6,672
ASSOCIATED MORTGAGE CORPORATION 97 6.68% $6,459
Alliance Credit Union 73 6.47% $8,970
TEXAS TECH 72 6.73% $5,005
Education Credit Union 63 7.57% $2,745
Centennial Bank 53 7.15% $5,129
First United Bank 52 6.58% $6,114
EUSTIS AND AMERICAN MORTGAGE COMPANY 43 6.73% $6,080
Access Community Credit Union 41 7.02% $4,807
UNITED WHOLESALE MORTGAGE, LLC 36 6.64% $7,542
PRIMELENDING, A PLAINSCAPITAL COMPANY 32 6.77% $7,511
NATIONS RELIABLE LENDING, LLC 23 6.85% $9,289
THE MORTGAGE LINK, INC. 23 7.08% $11,029
Wells Fargo Bank 17 6.63% $5,218
Mr. Cooper ( Nationstar Mortgage ) 14 6.99% $9,716
SECURITYNATIONAL MORTGAGE COMPANY 13 7.11% $7,656
MEMBER HOME LOAN, L.L.C. 10 7.14% $5,919
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.90% $6,647
PREMIER LENDING, INC. 9 7.22% $7,299
JPMorgan Chase Bank 9 6.87% $4,185
GUILD MORTGAGE COMPANY 8 6.83% $7,603
LOANDEPOT.COM, LLC 8 6.84% $8,057
21ST MORTGAGE CORPORATION 7 8.61% $6,775
AMERICAN FINANCING CORPORATION 7 6.78% $7,877
Bank of America 6 6.69% $8,024
NEWREZ LLC 6 7.15% $6,652
ROYAL UNITED MORTGAGE LLC 6 7.31% $8,883
BROKER SOLUTIONS, INC. 5 6.98% $6,676
CROSSCOUNTRY MORTGAGE, LLC 5 6.96% $7,558
NAVY FEDERAL CREDIT UNION 5 6.58% $4,298
ZILLOW HOME LOANS, LLC 4 6.66% $3,906
CHURCHILL MORTGAGE CORPORATION 4 6.72% $6,303
Flagstar Bank, FSB 4 6.72% $7,657
Gateway First Bank 4 7.22% $4,376
HOMETRUST MORTGAGE COMPANY 4 6.53% $8,706
NexBank 4 6.56% $6,833
TIB The Independent Bankersbank 4 6.91% $6,116
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 7.00% $9,050
CMG MORTGAGE, INC. 3 7.13% $5,470
HOMESIDE FINANCIAL, LLC 3 7.13% $3,938
UNION HOME MORTGAGE CORP. 3 7.38% $8,221
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.58% $5,685
USAA Federal Savings Bank 3 6.17% $4,973
U.S. Bank 3 6.88% $4,328
BAY EQUITY LLC 3 6.71% $5,577
AmeriHome Mortgage Company, LLC 3 6.54% $5,971
Florida Capital Bank 3 7.04% $5,276
DEEPHAVEN MORTGAGE LLC 3 8.71% $12,921
Mortgage Research Center, LLC 3 6.67% $4,484
AMERISAVE MORTGAGE CORPORATION 3 7.46% $6,153
First Financial Bank 3 6.72% $3,585
LEADERONE FINANCIAL CORPORATION 2 7.31% $5,132
LENOX FINANCIAL MORTGAGE CORPORATION 2 6.19% $12,171
Truist 2 6.99% $4,745
Truity Federal Credit Union 2 6.44% $4,870
NEXERA HOLDING LLC 2 7.75% $14,096
FREEDOM MORTGAGE CORPORATION 2 6.38% $8,264
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.38% $7,316
OCMBC, INC. 2 8.88% $13,227
COMMUNITYAMERICA 2 6.50% $5,180
PENNYMAC LOAN SERVICES, LLC 2 5.81% $11,037
Discover Bank 2 6.87% $0
BOKF 2 7.63% $5,440
CARDINAL FINANCIAL 2 7.50% $10,722
MICHIGAN MUTUAL, INC. 2 6.88% $9,229
PREMIA MORTGAGE, LLC 2 6.13% $3,188
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 7.38% $7,768
Prosperity Bank 2 7.00% $2,880
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.44% $4,254
Morgan Stanley Private Bank 2 6.50% $3,446
Regions Bank 2 6.31% $7,580
Servion, Inc. 2 6.75% $5,675
First National Bank Texas 2 6.69% $5,391
PHH Mortgage Corporation 2 7.25% $7,630
NBKC BANK 2 6.25% $3,949
Network Funding, L.P. 2 6.25% $3,872
Southside Bank 1 7.00% $5,699
SOUTHWEST FUNDING, LP 1 7.00% $5,440
AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $5,690
The Central Trust Bank 1 5.99% $3,435
The Huntington National Bank 1 7.63% $6,642
AMERICAN FINANCIAL NETWORK, INC. 1 6.88% $9,869
A&D Mortgage LLC 1 7.38% $34,046
Trustmark National Bank 1 6.13% $6,860
ALTRA 1 7.03% $4,214
VAN DYK MORTGAGE CORPORATION 1 6.75% $2,145
DIGITAL Federal Credit Union 1 6.75% $3,331
COLUMBIA COMMUNITY CREDIT UNION 1 7.25% $3,657
Eagle Bank and Trust Company 1 7.13% $9,165
EECU 1 6.88% $9,190
City Bank 1 7.50% $13,395
Farm Credit Mid-America, ACA 1 7.25% $6,691
First Federal Bank 1 6.63% $4,352
First State Bank 1 6.00% $15,082
FIRST TECHNOLOGY 1 6.63% $2,799
Citizens Bank 1 7.38% $4,662
Waterstone Mortgage Corporation 1 6.50% $7,540
FLAT BRANCH MORTGAGE, INC. 1 5.63% $8,174
FOUNDATION MORTGAGE CORPORATION 1 8.75% $46,798
Franklin Loan Corporation 1 6.25% $5,099
ALLIED MORTGAGE GROUP, INC. 1 6.88% $6,470
GMFS LLC 1 6.50% $5,802
GUARANTEED RATE AFFINITY, LLC 1 6.99% $2,298
Citadel Servicing Corporation 1 9.38% $11,263
HOMESPIRE MORTGAGE CORPORATION 1 7.38% $8,191
HOMESTEAD FUNDING CORP. 1 5.99% $2,483
Western Bank 1 7.00% $5,518
HOMEXPRESS MORTGAGE CORP. 1 8.25% $9,798
Ixonia Bank 1 6.99% $5,197
CHARTER WEST BANK 1 6.63% $3,990
Carrington Mortgage Services, LLC 1 9.25% $4,197
LOANPEOPLE, LLC 1 7.49% $4,694
MORTGAGE FINANCIAL SERVICES, LLC 1 6.63% $2,602
CANOPY MORTGAGE, LLC 1 6.50% $8,669
M&T Bank 1 6.63% $5,774
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $7,060
Barrington Bank & Trust Company, N.A. 1 7.63% $11,892
West Gate Bank 1 7.38% $3,987
NMSI, INC. 1 7.38% $6,204
Performance Financial, Inc. 1 6.75% $5,695
Plains Commerce Bank 1 6.63% $8,294
PLAZA HOME MORTGAGE, INC. 1 5.99% $8,071
Raymond James Bank 1 6.38% $6,674
SANDIA LABORATORY 1 5.88% $3,298
American Mortgage & Equity Consultants, Inc. 1 7.38% $5,870
Sierra Pacific Mortgage Company, Inc. 1 6.99% $6,147
Simmons Bank 1 7.50% $5,261

AMARILLO Average Closing Costs & Other Stats

AMARILLO, TX's 128 lenders originated 4,803 loans during 2024. The total origination value was $1,078,495,000, with an average loan value of $224,546.

AMARILLO's average closing costs are $5,911.

The top AMARILLO lender as defined by loan originations is Amarillo National Bank, with 424 loans originated. Their average total fees are $4,755, which is $1,916 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee AMARILLO lenders (with over 10 loans originated) are Education Credit Union ($2,745), Amarillo National Bank ($4,755), Access Community Credit Union ($4,807), TEXAS TECH ($5,005) and Centennial Bank ($5,129).

The lowest rate AMARILLO lenders (with over 10 loans originated) are Alliance Credit Union (6.47%), First United Bank (6.58%), Wells Fargo Bank (6.63%), UNITED WHOLESALE MORTGAGE, LLC (6.64%) and ASSOCIATED MORTGAGE CORPORATION (6.68%).

AMARILLO, TX Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Amarillo National Bank $189,780,000 $206,645,000 8.9% 19.2%
ASSOCIATED MORTGAGE CORPORATION $46,450,000 $60,430,000 30.1% 5.6%
Alliance Credit Union $670,000 $45,710,000 6,722.4% 4.2%
QUICKEN LOANS, LLC $38,840,000 $37,890,000 -2.4% 3.5%
TEXAS TECH $30,950,000 $36,230,000 17.1% 3.4%
First United Bank $36,495,000 $32,370,000 -11.3% 3.0%
FirstBank Southwest $29,380,000 $30,855,000 5.0% 2.9%
Centennial Bank $24,945,000 $29,685,000 19.0% 2.8%
EUSTIS AND AMERICAN MORTGAGE COMPANY $15,545,000 $24,905,000 60.2% 2.3%
UNITED WHOLESALE MORTGAGE, LLC $15,925,000 $24,130,000 51.5% 2.2%
Community National Bank $295,000 $23,205,000 7,766.1% 2.2%
Education Credit Union $26,565,000 $23,020,000 -13.3% 2.1%
NATIONS RELIABLE LENDING, LLC $25,565,000 $22,410,000 -12.3% 2.1%
BERKELEY POINT CAPITAL LLC $22,395,000 n/a 2.1%
Mortgage Research Center, LLC $19,615,000 $20,480,000 4.4% 1.9%
Access Community Credit Union $23,335,000 $16,335,000 -30.0% 1.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $19,710,000 $15,845,000 -19.6% 1.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,935,000 $14,740,000 198.7% 1.4%
Western Bank $7,215,000 $13,830,000 91.7% 1.3%
THE MORTGAGE LINK, INC. $6,090,000 $12,705,000 108.6% 1.2%
GUILD MORTGAGE COMPANY $4,515,000 $11,365,000 151.7% 1.1%
Herring Bank $10,375,000 $10,395,000 0.2% 1.0%
SECURITYNATIONAL MORTGAGE COMPANY $8,135,000 $10,185,000 25.2% 0.9%
21ST MORTGAGE CORPORATION $7,100,000 $9,235,000 30.1% 0.9%
Prosperity Bank $18,465,000 $8,645,000 -53.2% 0.8%
BELLCO $8,325,000 n/a 0.8%
FREEDOM MORTGAGE CORPORATION $1,945,000 $7,870,000 304.6% 0.7%
WALKER & DUNLOP, LLC $24,345,000 $6,875,000 -71.8% 0.6%
PENNYMAC LOAN SERVICES, LLC $3,935,000 $6,640,000 68.7% 0.6%
AMARILLO COMMUNITY $6,085,000 $6,035,000 -0.8% 0.6%
CARDINAL FINANCIAL $24,355,000 $5,915,000 -75.7% 0.5%
NAVY FEDERAL CREDIT UNION $5,175,000 $5,865,000 13.3% 0.5%
COREVEST AMERICAN FINANCE LENDER LLC $5,595,000 n/a 0.5%
Mr. Cooper ( Nationstar Mortgage ) $4,505,000 $5,570,000 23.6% 0.5%
Flagstar Bank, FSB $2,950,000 $5,390,000 82.7% 0.5%
Wells Fargo Bank $4,695,000 $4,960,000 5.6% 0.5%
ORIX REAL ESTATE CAPITAL, LLC $4,955,000 n/a 0.5%
PLANET HOME LENDING, LLC $640,000 $4,765,000 644.5% 0.4%
VILLAGE CAPITAL MORTGAGE $1,680,000 $4,700,000 179.8% 0.4%
USAA Federal Savings Bank $3,995,000 $4,695,000 17.5% 0.4%
PREMIER LENDING, INC. $9,080,000 $4,475,000 -50.7% 0.4%
Arbor Realty Trust, Inc. $4,275,000 n/a 0.4%
NEWREZ LLC $755,000 $3,965,000 425.2% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $970,000 $3,550,000 266.0% 0.3%
Bank of America $3,510,000 $3,470,000 -1.1% 0.3%
Comerica Bank $3,255,000 n/a 0.3%
HOMETRUST MORTGAGE COMPANY $4,215,000 $3,095,000 -26.6% 0.3%
First Financial Bank $2,520,000 $2,960,000 17.5% 0.3%
LOANDEPOT.COM, LLC $4,150,000 $2,955,000 -28.8% 0.3%
LAKEVIEW LOAN SERVICING, LLC $625,000 $2,940,000 370.4% 0.3%
BROKER SOLUTIONS, INC. $1,570,000 $2,735,000 74.2% 0.3%
Gateway First Bank $935,000 $2,675,000 186.1% 0.2%
UNION HOME MORTGAGE CORP. $570,000 $2,660,000 366.7% 0.2%
JPMorgan Chase Bank $2,465,000 $2,610,000 5.9% 0.2%
U.S. Bank $2,205,000 $2,590,000 17.5% 0.2%
Minnwest Bank $2,405,000 n/a 0.2%
DAS Acquisition Company, LLC $2,380,000 n/a 0.2%
CMG MORTGAGE, INC. $2,245,000 $2,350,000 4.7% 0.2%
The People's Federal Credit Union $3,430,000 $2,310,000 -32.7% 0.2%
VELOCITY COMMERCIAL CAPITAL, LLC $225,000 $2,280,000 913.3% 0.2%
TEMPLE VIEW CAPITAL FUNDING, LP $2,245,000 n/a 0.2%
AmeriHome Mortgage Company, LLC $675,000 $2,050,000 203.7% 0.2%
DEEPHAVEN MORTGAGE LLC $125,000 $1,870,000 1,396.0% 0.2%
HOMEXPRESS MORTGAGE CORP. $535,000 $1,750,000 227.1% 0.2%
RF Renovo Management Company, LLC $1,740,000 n/a 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,930,000 $1,735,000 -55.9% 0.2%
HOMESIDE FINANCIAL, LLC $1,685,000 n/a 0.2%
MEMBER HOME LOAN, L.L.C. $6,870,000 $1,660,000 -75.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $945,000 $1,525,000 61.4% 0.1%
DOMINION FINANCIAL SERVICES, LLC $115,000 $1,425,000 1,139.1% 0.1%
FOUNDATION MORTGAGE CORPORATION $1,410,000 n/a 0.1%
Discover Bank $695,000 $1,390,000 100.0% 0.1%
NBKC BANK $595,000 $1,370,000 130.3% 0.1%
GUARANTEED RATE AFFINITY, LLC $235,000 $1,365,000 480.9% 0.1%
AMERISAVE MORTGAGE CORPORATION $2,215,000 $1,360,000 -38.6% 0.1%
City Bank $975,000 $1,305,000 33.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $550,000 $1,195,000 117.3% 0.1%
LOANPAL, LLC $75,000 $1,185,000 1,480.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $940,000 $1,175,000 25.0% 0.1%
ROYAL UNITED MORTGAGE LLC $910,000 $1,155,000 26.9% 0.1%
PREMIA MORTGAGE, LLC $345,000 $1,130,000 227.5% 0.1%
AMERICAN FINANCING CORPORATION $230,000 $1,080,000 369.6% 0.1%
CORNERSTONE HOME LENDING, INC. $610,000 $1,080,000 77.0% 0.1%
TIB The Independent Bankersbank $1,030,000 $1,025,000 -0.5% 0.1%
ZILLOW HOME LOANS, LLC $625,000 $1,020,000 63.2% 0.1%
Eagle Bank and Trust Company $975,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $2,195,000 $970,000 -55.8% 0.1%
OCMBC, INC. $970,000 n/a 0.1%
GUARANTEED RATE, INC. $1,170,000 $955,000 -18.4% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $735,000 $955,000 29.9% 0.1%
FLAT BRANCH MORTGAGE, INC. $950,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $445,000 $940,000 111.2% 0.1%
TRIAD FINANCIAL SERVICES, INC. $565,000 $925,000 63.7% 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $275,000 $920,000 234.5% 0.1%
COMMUNITYAMERICA $900,000 n/a 0.1%
A&D Mortgage LLC $305,000 $865,000 183.6% 0.1%
Truity Federal Credit Union $685,000 $860,000 25.5% 0.1%
First National Bank Texas $750,000 $855,000 14.0% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,535,000 $820,000 -76.8% 0.1%
BAY EQUITY LLC $785,000 n/a 0.1%
NEXERA HOLDING LLC $780,000 n/a 0.1%
NexBank $345,000 $770,000 123.2% 0.1%
Plains Commerce Bank $1,880,000 $760,000 -59.6% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $745,000 n/a 0.1%
Truist $1,015,000 $705,000 -30.5% 0.1%
BankPlus $695,000 n/a 0.1%
RANDOLPH-BROOKS $385,000 $695,000 80.5% 0.1%
SOUTHWEST STAGE FUNDING, LLC $2,425,000 $695,000 -71.3% 0.1%
Barrington Bank & Trust Company, N.A. $95,000 $680,000 615.8% 0.1%
Florida Capital Bank $675,000 n/a 0.1%
MORTGAGEONE, INC. $660,000 n/a 0.1%
First National Bank of Central Texas $655,000 n/a 0.1%
Regions Bank $805,000 $650,000 -19.3% 0.1%
Carrington Mortgage Services, LLC $575,000 $645,000 12.2% 0.1%
First Federal Bank $635,000 n/a 0.1%
Raymond James Bank $635,000 n/a 0.1%
CHARTER WEST BANK $620,000 n/a 0.1%
American Mortgage & Equity Consultants, Inc. $610,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $95,000 $595,000 526.3% 0.1%
Wellington State Bank $595,000 n/a 0.1%
The Huntington National Bank $575,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $765,000 $565,000 -26.1% 0.1%
Loan Simple, Inc. $550,000 n/a 0.1%
EECU $525,000 n/a 0.0%
SANDIA LABORATORY $235,000 $505,000 114.9% 0.0%
PHH Mortgage Corporation $375,000 $495,000 32.0% 0.0%
BOKF $580,000 $490,000 -15.5% 0.0%
Nations Lending Corporation $490,000 n/a 0.0%
NEW DAY FINANCIAL, LLC $310,000 $485,000 56.5% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $895,000 $470,000 -47.5% 0.0%
FINANCE OF AMERICA REVERSE LLC $135,000 $460,000 240.7% 0.0%
The Federal Savings Bank $455,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $450,000 n/a 0.0%
Morgan Stanley Private Bank $2,270,000 $450,000 -80.2% 0.0%
NFM, INC. $755,000 $450,000 -40.4% 0.0%
SOUTHWEST FUNDING, LP $450,000 n/a 0.0%
S1L, Inc. $1,500,000 $445,000 -70.3% 0.0%
Network Funding, L.P. $670,000 $440,000 -34.3% 0.0%
First National Bank $430,000 n/a 0.0%
Performance Financial, Inc. $425,000 n/a 0.0%
EVERETT FINANCIAL, INC. $14,185,000 $420,000 -97.0% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $185,000 $420,000 127.0% 0.0%
Servion, Inc. $595,000 $420,000 -29.4% 0.0%
Trustmark National Bank $415,000 n/a 0.0%
NMSI, INC. $405,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $385,000 n/a 0.0%
MORTGAGE FINANCIAL SERVICES, LLC $380,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $375,000 n/a 0.0%
First State Bank $75,000 $365,000 386.7% 0.0%
LONGBRIDGE FINANCIAL, LLC $240,000 $365,000 52.1% 0.0%
Quontic Bank $365,000 n/a 0.0%
Simmons Bank $430,000 $365,000 -15.1% 0.0%
Encompass Lending Group, LP $345,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $345,000 n/a 0.0%
Lakeview Community Capital, LLC $345,000 n/a 0.0%
GMFS LLC $335,000 n/a 0.0%
UNIVERSITY Federal Credit Union $155,000 $335,000 116.1% 0.0%
Citadel Servicing Corporation $330,000 n/a 0.0%
AHL FUNDING $325,000 n/a 0.0%
Pinnacle Bank $325,000 n/a 0.0%
Waterstone Mortgage Corporation $325,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $105,000 $315,000 200.0% 0.0%
Southside Bank $315,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $295,000 $310,000 5.1% 0.0%
Citizens Bank $680,000 $305,000 -55.1% 0.0%
Mid-Continent Funding, Inc. $195,000 $295,000 51.3% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $570,000 $290,000 -49.1% 0.0%
Century Mortgage Company DBA Century Lending Company $665,000 $285,000 -57.1% 0.0%
GoPrime Mortgage, Inc. $285,000 n/a 0.0%
INTELLILOAN, INC. $285,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $725,000 $285,000 -60.7% 0.0%
SYNERGY FEDERAL CREDIT UNION $275,000 n/a 0.0%
West Gate Bank $125,000 $275,000 120.0% 0.0%
American Airlines Federal Credit Union $270,000 n/a 0.0%
FirstBank $255,000 n/a 0.0%
MLD MORTGAGE INC. $255,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $1,575,000 $245,000 -84.4% 0.0%
ALTRA $245,000 n/a 0.0%
CLEARPATH LENDING $295,000 $245,000 -16.9% 0.0%
COMPASS MORTGAGE, INC. $245,000 n/a 0.0%
M&T Bank $245,000 n/a 0.0%
Farm Credit Mid-America, ACA $235,000 n/a 0.0%
First State Bank $75,000 $235,000 213.3% 0.0%
Northpointe Bank $235,000 n/a 0.0%
The Loan Store, Inc. $230,000 n/a 0.0%
CHEVRON $225,000 n/a 0.0%
Logan Finance Corporation $225,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $125,000 $225,000 80.0% 0.0%
VAN DYK MORTGAGE CORPORATION $730,000 $225,000 -69.2% 0.0%
Axos Bank $425,000 $215,000 -49.4% 0.0%
T2 FINANCIAL LLC $380,000 $215,000 -43.4% 0.0%
FIRST TECHNOLOGY $215,000 $205,000 -4.7% 0.0%
The Central Trust Bank $205,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $95,000 $200,000 110.5% 0.0%
COLUMBIA COMMUNITY CREDIT UNION $195,000 n/a 0.0%
First United Bank and Trust Company $195,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $195,000 n/a 0.0%
CANOPY MORTGAGE, LLC $155,000 $185,000 19.4% 0.0%
Sunflower Bank $180,000 n/a 0.0%
SPRING EQ, LLC $65,000 $170,000 161.5% 0.0%
First State Bank of St. Charles, Missouri $165,000 n/a 0.0%
Peoples Bank $295,000 $155,000 -47.5% 0.0%
V.I.P. MORTGAGE, INC. $700,000 $155,000 -77.9% 0.0%
Ixonia Bank $145,000 n/a 0.0%
Figure Lending LLC $140,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $575,000 $135,000 -76.5% 0.0%
LIMA ONE CAPITAL, LLC $325,000 $135,000 -58.5% 0.0%
LOANPEOPLE, LLC $295,000 $135,000 -54.2% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $480,000 $125,000 -74.0% 0.0%
Franklin Loan Corporation $125,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $285,000 $115,000 -59.6% 0.0%
OCEANSIDE MORTGAGE COMPANY $115,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $115,000 n/a 0.0%
Credit Union of Texas $75,000 $110,000 46.7% 0.0%
CSL Financial, LLC $105,000 n/a 0.0%
Allied First Bank,sb $95,000 n/a 0.0%
CONSTRUCTIVE LOANS, LLC $85,000 n/a 0.0%
DIGITAL Federal Credit Union $215,000 $85,000 -60.5% 0.0%
SECURITY SERVICE $85,000 n/a 0.0%
Citibank $25,000 n/a 0.0%

AMARILLO's top lender by overall market share is Amarillo National Bank, with 19.2% market share. In second place, with 5.6%, is ASSOCIATED MORTGAGE CORPORATION, having originated $60,430,000 in loans. In third place, with 4.2%, is Alliance Credit Union, having originated $45,710,000 in loans. In fourth place, with 3.5%, is QUICKEN LOANS, LLC, having originated $37,890,000 in loans. In fifth place, with 3.4%, is TEXAS TECH, having originated $36,230,000 in loans.

AMARILLO, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,159 $796,095,000 $252,009
Cash Out Refi 582 $104,540,000 $179,622
Other 558 $51,850,000 $92,921
Refi 396 $115,840,000 $292,525
Home Improvement 108 $10,170,000 $94,167

Amarillo's most frequently cited loan purpose was Home Purchase, with 3,159 originations. The 2nd most popular reason was Cash Out Refi, with 582 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,845 $459,375,000 $248,984
7-8% 1,009 $210,805,000 $208,925
Over 8% 971 $125,845,000 $129,604
5-6% 646 $175,260,000 $271,300
<2.5% 44 $1,310,000 $29,773
4-5% 35 $32,735,000 $935,286
2.5-3% 5 $865,000 $173,000
3-4% 4 $660,000 $165,000

During 2024, Amarillo's most frequently originated rate bucket was 6-7%, with 1,845 originations.

Loan Sizing (AMARILLO, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,691 $460,355,000 $272,238
$100k-200k 1,604 $240,450,000 $149,906
$100,000 or less 1,095 $63,285,000 $57,795
$400k-600k 296 $140,080,000 $473,243
$600k-1000k 89 $64,965,000 $729,944
$Over $1MM 28 $109,360,000 $3,905,714

AMARILLO's loan sizing saw the bucket of loans from $200k-400k with 1,691 originations, totaling $460,355,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,288 $562,450,000 $245,826
60-80% 897 $259,765,000 $289,593
20-40% 426 $46,860,000 $110,000
Under 20% 414 $18,590,000 $44,903
40-60% 393 $68,425,000 $174,109
Over 100% 73 $32,155,000 $440,479

AMARILLO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,288 originations, totaling $562,450,000 in origination value.