Mortgage lending in Amarillo, TX
5,275 mortgages were originated in the Amarillo, TX area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,275
- Median rate
- 6.625%
- Median lender fees
- $5,603
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $195,000
- Above the going rate (spread over APOR)
- 0.323
- Paid discount points
- 30.7%
- Received lender credits
- 25.3%
- Purchases / refinances
- 64.2% / 24.1%
- Conventional / FHA / VA
- 69.3% / 22.1% / 8.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Amarillo, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Amarillo National Bank | 1,150 | $4,391 | 6.875% |
| Alliance Credit Union | 278 | $3,884 | 6.250% |
| Rocket Mortgage, LLC | 251 | $6,102 | 6.750% |
| Texas Tech Federal Credit Union | 248 | $6,620 | 6.375% |
| Education Credit Union | 217 | $1,126 | 7.000% |
| Right Start Mortgage, Inc. | 200 | $9,332 | 6.750% |
| Eustis Mortgage Corporation | 167 | $8,525 | 6.624% |
| Access Community Credit Union | 162 | $3,860 | 6.875% |
| Associated Mortgage Corporation | 157 | $6,826 | 6.500% |
| First United Bank | 156 | $6,663 | 6.250% |