First National Bank of Hereford
First National Bank of Hereford received 43 applications in 2025 and made 34 mortgages, in 11 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $190,000. Of 43 decisions, 8 were denials — 18.6%, most often for credit history. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 25490043Z1O3CFY7D576 |
|---|---|
| Applications received | 43 |
| Mortgages made | 34 |
| Denied | 8 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank of Hereford, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 23 | Not published | $265,000 | 11.5% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where First National Bank of Hereford lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Deaf Smith County, TX | 12 | Not published | 13.3% |
| Randall County, TX | 9 | Under 10 loans | 0.0% |
| Lubbock County, TX | 3 | Under 10 loans | 0.0% |
| Castro County, TX | 2 | Under 10 loans | 0.0% |
| Parmer County, TX | 2 | Under 10 loans | 33.3% |
| Potter County, TX | 2 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Love County, OK | 1 | Under 10 loans | 0.0% |
| Oldham County, TX | 1 | Under 10 loans | 0.0% |
| Roberts County, TX | 1 | Under 10 loans | 0.0% |
| Dallam County, TX | 0 | Under 10 loans | 100.0% |
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When First National Bank of Hereford’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.