First National Bank of Hereford in Texas vs the state
19.5%Denial rate+0.08 pts vs state
19.5%Decision denial rate-5.39 pts vs state
78.1%Origination rate+23.17 pts vs state
—Median rate
—Rate spread (pts)
$125kMedian applicant income
32Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 26 | 22 | 15.4% | — | #813 |
| 2025 | 41 | 32 | 19.5% | — | #736 |
What First National Bank of Hereford lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First National Bank of Hereford applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Deaf Smith County | 15 | 12 | 2 | 13.3% |
| Randall County | 9 | 9 | 0 | 0.0% |
| Parmer County | 3 | 2 | 1 | 33.3% |
| Lubbock County | 3 | 3 | 0 | 0.0% |
| Dallam County | 2 | 0 | 2 | 100.0% |
| Potter County | 2 | 2 | 0 | 0.0% |
| Castro County | 2 | 2 | 0 | 0.0% |
| Roberts County | 1 | 1 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 41 applications in 2025, of which 32 were originated and 8 denied.
19.5% of all applications, or 19.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First National Bank of Hereford's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology