Largest lenders in Potter County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Amarillo National Bank | C | 565 | 325 | 17.7% | 6.88% |
| 2 | 21st Mortgage | F | 165 | 27 | 37.6% | 10.08% |
| 3 | Rocket Mortgage | C | 102 | 68 | 21.6% | 6.69% |
| 4 | Vanderbilt Mortgage and Finance | F | 99 | 11 | 42.4% | 10.50% |
| 5 | Centennial Bank | D | 92 | 39 | 23.9% | 7.06% |
| 6 | Education Credit Union | B | 89 | 76 | 1.1% | 7.13% |
| 7 | Right Start Mortgage | D | 88 | 62 | 4.6% | 6.75% |
| 8 | Texas Tech Federal Credit Union | A | 73 | 42 | 8.2% | 6.38% |
| 9 | Access Community Credit Union | B | 72 | 65 | 8.3% | 6.99% |
| 10 | United Shore Financial Services | B | 71 | 54 | 15.5% | 5.99% |
| 11 | Triad Financial Services | D | 71 | 2 | 40.9% | 9.35% |
| 12 | Alliance Credit Union | C | 64 | 53 | 0.0% | 6.38% |
| 13 | FirstBank Southwest | D | 63 | 44 | 17.5% | 7.75% |
| 14 | Kiavi Funding | D | 61 | 5 | 0.0% | 7.38% |
| 15 | Eustis Mortgage | B | 57 | 48 | 1.8% | 6.63% |
| 16 | ACFCU Federal Credit Union | D | 50 | 39 | 14.0% | 7.48% |
| 17 | Mortgage Research Center | C | 50 | 23 | 10.0% | 6.25% |
| 18 | Associated Mortgage | A | 44 | 40 | 0.0% | 6.63% |
| 19 | First National Bank Texas | B | 38 | 26 | 2.6% | 6.50% |
| 20 | Primelending, a Plainscapital | A | 38 | 21 | 5.3% | 6.75% |
| 21 | First United Bank | A | 33 | 30 | 3.0% | 6.31% |
| 22 | Prosperity Bank | D | 32 | 23 | 15.6% | 6.99% |
| 23 | Credit Human Federal Credit Union | D | 30 | 1 | 73.3% | 7.70% |
| 24 | Pennymac Loan Services | C | 29 | 9 | 6.9% | 5.99% |
| 25 | Union Home Mortgage | B | 28 | 14 | 10.7% | 6.99% |
Best approval odds in Potter County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alliance Credit Union | 53 | 0.0% |
| 2 | Education Credit Union | 82 | 1.2% |
| 3 | Right Start Mortgage | 66 | 6.1% |
| 4 | Access Community Credit Union | 72 | 8.3% |
| 5 | United Shore Financial Services | 65 | 16.9% |
| 6 | Amarillo National Bank | 519 | 19.3% |
| 7 | FirstBank Southwest | 57 | 19.3% |
| 8 | Rocket Mortgage | 97 | 22.7% |
| 9 | Centennial Bank | 63 | 34.9% |
| 10 | Triad Financial Services | 71 | 40.9% |
What Potter County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Potter County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,618 | 1,390 | 22.0% | 7.23% | $125,000 |
| 2024 | 2,890 | 1,428 | 22.7% | 7.00% | $135,000 |
| 2025 | 2,923 | 1,525 | 18.5% | 6.75% | $135,000 |
Frequently asked questions
18.5% of applications in Potter County were denied in 2025, against 19.4% statewide in Texas.
Amarillo National Bank, with 565 applications in 2025 and a denial rate of 17.7%.
The median mortgage application in Potter County in 2025 was for $135,000; the median property value on originated loans was $195,000.