Gilmer National Bank, Gilmer, Texas
Gilmer National Bank, Gilmer, Texas received 76 applications in 2025 and made 71 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $175,000. Of 75 decisions, 4 were denials — 5.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YBM0K5N6REP663 |
|---|---|
| Applications received | 76 |
| Mortgages made | 71 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Gilmer National Bank, Gilmer, Texas, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 31 | 7.500% | $135,000 | 3.1% |
| Refinancing | 15 | 6.500% | $275,000 | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 21 | 7.250% | $125,000 | 12.5% |
Where Gilmer National Bank, Gilmer, Texas 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 |
|---|---|---|---|
| Upshur County, TX | 45 | 7.250% | 8.2% |
| Gregg County, TX | 14 | 7.500% | 0.0% |
| Harrison County, TX | 3 | Under 10 loans | 0.0% |
| Rusk County, TX | 2 | Under 10 loans | 0.0% |
| Smith County, TX | 2 | Under 10 loans | 0.0% |
| Bowie County, TX | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 0.0% |
| Panola County, TX | 1 | Under 10 loans | 0.0% |
| Wood County, TX | 1 | Under 10 loans | 0.0% |
| Camp County, TX | 0 | Under 10 loans | Not published |
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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.