Purchase Originations
801
Ranked #451 nationally
Median Total Costs
$4,853
−27.4% vs national ($6,680)
↓ $92 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,178
Median Lender Credits
$2,000
Cost Rank (500+ vol.)
#182
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 564 | 6.500% | $4,246 | $970 |
| fha | 193 | 6.125% | $8,344 | $1,250 |
| va | 43 | 6.000% | $5,948 | $970 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 783 | 6.375% | $4,868 | #79 |
| New Mexico | 5 | 6.625% | $4,975 | — |
| Oklahoma | 4 | 6.500% | $4,260 | — |
| Kansas | 3 | 6.500% | $3,108 | — |
| Arkansas | 1 | 7.625% | $4,266 | — |
| Colorado | 1 | 7.000% | $3,097 | — |
| Idaho | 1 | 6.625% | $6,096 | — |
| Mississippi | 1 | 6.625% | $4,286 | — |
| Ohio | 1 | 6.875% | $5,649 | — |
| Tennessee | 1 | 7.000% | $4,573 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,764 | 6.125% | — | 12 | −$1,089 | |
| 2 | $4,465 | 6.562% | — | 12 | −$388 | |
| 3 | $4,476 | 6.375% | — | 142 | −$377 | |
| 4 | $4,595 | 6.625% | — | 4 | −$258 | |
| 5 | $4,685 | 6.500% | — | 54 | −$168 | |
| 6 | $4,688 | 6.125% | — | 3 | −$165 | |
| 7 | $4,818 | 6.625% | — | 4 | −$35 | |
| 8 | $4,828 | 6.812% | — | 16 | −$25 | |
| 9 | $4,960 | 6.250% | — | 36 | +$107 | |
| 10 | $5,028 | 6.375% | — | 383 | +$175 | |
| 11 | $5,048 | 6.562% | — | 8 | +$195 | |
| 12 | $5,171 | 6.375% | — | 15 | +$318 | |
| 13 | $5,297 | 5.812% | — | 4 | +$444 | |
| 14 | $5,953 | 6.188% | — | 4 | +$1,100 | |
| 15 | $6,120 | 7.438% | — | 4 | +$1,267 | |
| 16 | $6,377 | 6.750% | — | 5 | +$1,524 | |
| 17 | $6,529 | 7.250% | — | 9 | +$1,676 | |
| 18 | $6,549 | 6.250% | — | 6 | +$1,696 | |
| 19 | $7,387 | 6.500% | — | 4 | +$2,534 | |
| 20 | $7,625 | 6.125% | — | 4 | +$2,772 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Amarillo National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $4,853 | $7,127 | −$2,274 (−31.9%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.