Amarillo National Bank mortgage approval rate & lending review
Amarillo National Bank decided 3,337 mortgage applications and funded 2,548 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Amarillo National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Amarillo National Bank at a glance
Approval is 10.4 points above the 84.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 2,361 / 2,385 | 81% | $235K | 1,911 |
| Home improvement loans | 81% | 35 / 43 | 54% | $85K | 19 |
| Cash-out refinance | 76% | 274 / 360 | 80% | $125K | 218 |
| Refinance | 77% | 165 / 213 | 76% | $215K | 125 |
| Investment property purchase | 99% | 278 / 281 | 87% | $155K | 241 |
| Investment refinance | 86% | 24 / 28 | 83% | $195K | 20 |
Amarillo National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 94% | $235K | 3,286 | 2,504 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Amarillo National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Randall County, TX | Mortgage lenders | 99% | 1,396 | 1,149 |
| Potter County, TX | Mortgage lenders | 98% | 570 | 433 |
| Lubbock County, TX | Mortgage lenders | 97% | 189 | 147 |
| Randall County, TX | Investment property purchase | 99% | 144 | 123 |
| Randall County, TX | Cash-out refinance | 79% | 192 | 119 |
| Randall County, TX | Refinance | 79% | 104 | 64 |
| Potter County, TX | Cash-out refinance | 69% | 95 | 55 |
| Lubbock County, TX | Investment property purchase | 100% | 42 | 39 |
| Potter County, TX | Investment property purchase | 98% | 51 | 39 |
| Brazos County, TX | Mortgage lenders | 100% | 44 | 37 |
| Lubbock County, TX | Refinance | 91% | 34 | 22 |
| Potter County, TX | Refinance | 60% | 52 | 22 |
The county markets where Amarillo National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Amarillo National Bank
What is Amarillo National Bank's mortgage approval rate?
Amarillo National Bank approved 94.6% of the 3,337 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 84.2% national rate for the same mix of loan types.
How often do borrowers take the loan Amarillo National Bank offers?
Borrowers accepted 81% of the loans Amarillo National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Amarillo National Bank make?
The typical home purchase mortgage loan Amarillo National Bank made was $235K; across all loan types its typical loan ran from $85K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Amarillo National Bank lend?
Amarillo National Bank decided applications in 16 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and New Mexico.
Can I apply to Amarillo National Bank directly?
Yes. Amarillo National Bank is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Amarillo National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Amarillo National Bank treats applications, then get a rate quote from the lender.