Herring Bank
Herring Bank received 122 applications in 2025 and made 93 mortgages, in 51 counties across 10 states. The median rate its borrowers got was Not published on a median loan of $285,000. Of 101 decisions, 3 were denials — 3.0%.
| Legal Entity Identifier | 549300OUFGVRFN8PZB89 |
|---|---|
| Applications received | 122 |
| Mortgages made | 93 |
| Denied | 3 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Herring Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 64 | Not published | $325,000 | 2.9% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 12 | Not published | $115,000 | 7.1% |
Where Herring Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Randall County, TX | 12 | Not published | 0.0% |
| Collin County, TX | 7 | Under 10 loans | 0.0% |
| Tarrant County, TX | 6 | Under 10 loans | 0.0% |
| Dallas County, TX | 5 | Under 10 loans | 0.0% |
| Denton County, TX | 5 | Under 10 loans | 0.0% |
| Donley County, TX | 5 | Under 10 loans | 14.3% |
| Parker County, TX | 5 | Under 10 loans | 0.0% |
| Potter County, TX | 4 | Under 10 loans | 0.0% |
| Jackson County, OK | 3 | Under 10 loans | 0.0% |
| Baylor County, TX | 3 | Under 10 loans | 0.0% |
| Wilbarger County, TX | 3 | Under 10 loans | 0.0% |
| Collingsworth County, TX | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Archuleta County, CO | 1 | Under 10 loans | 0.0% |
| Pueblo County, CO | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Richmond County, GA | 1 | Under 10 loans | 0.0% |
| Caddo County, OK | 1 | Under 10 loans | 0.0% |
| Canadian County, OK | 1 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 0.0% |
| Jefferson County, OK | 1 | Under 10 loans | 0.0% |
| Pittsburg County, OK | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Anderson County, TX | 1 | Under 10 loans | 0.0% |
| Armstrong County, TX | 1 | Under 10 loans | 0.0% |
| Burnet County, TX | 1 | Under 10 loans | 0.0% |
| Childress County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Gray County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Hill County, TX | 1 | Under 10 loans | 0.0% |
| Jack County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Somervell County, TX | 1 | Under 10 loans | 0.0% |
| Titus County, TX | 1 | Under 10 loans | 0.0% |
| Wise County, TX | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Hancock County, MS | 0 | Under 10 loans | Not published |
| Tulsa County, OK | 0 | Under 10 loans | 100.0% |
| Hall County, TX | 0 | Under 10 loans | 0.0% |
| Hardeman County, TX | 0 | Under 10 loans | 0.0% |
| Hood County, TX | 0 | Under 10 loans | 0.0% |
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When Herring Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.