Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Potter County, Texas
Every institution that decided a 1–4 unit mortgage application in Potter County, home to Amarillo, between 2023 and 2025: 5,687 applications, 3,848 loans actually funded, across 8 kinds of borrowing.
Potter County at a glance
5,687Applications decided
2023–2025
3,848Loans funded
68% of decisions
35Census tracts
10 ZIP codes
116,634People
ACS 2023
What the data shows
Lenders approved 76.0% of home-purchase applications in Potter County, 8.0 points below the Texas rate.
The typical purchase mortgage here is $175K.
Home improvement loans is the hardest money to get here: lenders approved 48% of 176 applications.
Lending by loan type in Potter County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 76.0% | 3,598 | $175K | 88% | 192 |
| Home improvement loans | 47.7% | 176 | $55K | 90% | 34 |
| Cash-out refinance | 75.2% | 745 | $75K | 94% | 68 |
| Refinance | 66.9% | 438 | $205K | 84% | 77 |
| Investment property purchase | 90.8% | 400 | $105K | 94% | 68 |
| Investment cash-out refinance | 72.1% | 140 | $105K | 92% | 48 |
| Investment refinance | 87.4% | 151 | $85K | 97% | 33 |
| Investment home improvement | 59.0% | 39 | $85K | 91% | 12 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.