Applications / Mortgage Analytics / Lenders / Texas / Amarillo National Bank
Amarillo, TX · National bank · OCC · $9.6 billion assets · 1,841 loans in 2025
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1,841
loans originated, 2025
2,811
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Amarillo National Bank ranks first among lenders in Amarillo, with 18.0% of lending there, and makes more FHA loans than most similar banks.
It ranked 1 of 258 lenders in Amarillo, its market since before 1990, with 18.0% of lending, against 19.1% the year before. Its originations rose 4% while the whole market grew 10%; more of its lending going to other markets, such as Lubbock, could be one reason. In Lubbock its share rose 0.3 points to 2.5%, ranking 10 of 341; the filings of Lubbock National Bank, which it merged with in 2019, count there.
FHA loans (insured by the Federal Housing Administration) were 10.6% of its lending, against 2.1% at similar lenders (national banks making between half and twice as many loans), higher than about three-quarters of them. Other-purpose loans were 37.0% and purchases 50.0%. Its typical loan, $165,000, was smaller than at about three-quarters of peers ($235,000).
Majority-minority areas took 17.1% of its loans, against 10.5% at similar lenders, up from 8.8% five years before. Its LMI (low- and moderate-income) shares were lower than peers', 22.9% of borrowers against 26.2% and 12.2% of areas against 14.5%, though both have risen in five years; the make-up of its Texas markets is one possible reason.
Its 1,841 loans in 2025 were about half the 3,607 of 2020, when its typical rate was 3.00%; in 2025 it was 7.00%. Its purchase denial rate, 1.1%, was the lowest among similar lenders, against 5.5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Amarillo National Bank took 2,811 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Other 37.0% · Refinance 12.5% · Home improvement 0.4%
Conventional 86.8% · FHA 10.6% · VA 2.6% · USDA (RHS or FSA) 0.1% · of 1,841 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,806 | 98.1% |
| New Mexico | 12 | 0.7% |
| Colorado | 6 | 0.3% |
| Oklahoma | 5 | 0.3% |
| Kansas | 3 | 0.2% |
| Mississippi | 2 | 0.1% |
| Arkansas | 1 | 0.1% |
| Idaho | 1 | 0.1% |
| Indiana | 1 | 0.1% |
| Montana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amarillo | 1,150 |
| Lubbock | 236 |
| College Station-Bryan | 69 |
| Fort Worth-Arlington-Grapevine | 29 |
| Dallas-Plano-Irving | 22 |
| Austin-Round Rock-San Marcos | 20 |
| Houston-Pasadena-The Woodlands | 14 |
| San Antonio-New Braunfels | 14 |
| Midland | 8 |
| Santa Fe | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ASIS4D2QDWH380 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 353555 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114206 | 1990–2017 |
Established 1 January 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Amarillo National Bank's data.
Amarillo National Bank's data
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Amarillo National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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