Amarillo National Bank in Texas vs the state
14.0%Denial rate-5.48 pts vs state
15.0%Decision denial rate-9.88 pts vs state
65.4%Origination rate+10.55 pts vs state
7.00%Median rate+0.50 pts vs state
0.22Rate spread (pts)+0.03 pts vs state
$108kMedian applicant income
1,806Loans originated
385Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,432 | 1,553 | 14.0% | 7.63% | #76 |
| 2024 | 2,643 | 1,743 | 12.7% | 7.50% | #73 |
| 2025 | 2,760 | 1,806 | 14.0% | 7.00% | #70 |
What Amarillo National Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Amarillo National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Randall County | 1,138 | 792 | 123 | 10.8% |
| Potter County | 565 | 325 | 100 | 17.7% |
| Lubbock County | 329 | 215 | 62 | 18.8% |
| Hutchinson County | 108 | 73 | 13 | 12.0% |
| Brazos County | 81 | 57 | 4 | 4.9% |
| Moore County | 48 | 27 | 15 | 31.3% |
| Carson County | 42 | 26 | 8 | 19.0% |
| Tarrant County | 30 | 21 | 2 | 6.7% |
| Deaf Smith County | 26 | 13 | 5 | 19.2% |
| Gray County | 25 | 18 | 1 | 4.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,760 applications in 2025, of which 1,806 were originated and 385 denied.
14.0% of all applications, or 15.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Amarillo National Bank originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Amarillo National Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology