Applications / Mortgage Analytics / Lenders / Texas / Herring Bank
Amarillo, TX · State non-member bank · FDIC · $487 million assets · 93 loans in 2025
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93
loans originated, 2025
123
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Herring Bank, of Amarillo, Texas, is a small bank with a wide reach: its 93 loans in 2025 were spread over 45 counties in nine states, with far more government-backed lending than similar banks.
Some 12.9% of its loans were insured by the Federal Housing Administration (FHA) and 4.3% guaranteed by the Department of Veterans Affairs (VA). The typical similar lender (state non-member banks making between half and twice as many loans) made none of either; Herring's FHA share was higher than nearly all of them.
Its typical loan was $285,000, against $175,000 at similar banks, higher than about six in seven of them. Its 93 loans came to $36.8 million where peers typically lent $26.0 million. Purchases made up 68.8% of its lending.
It lends well beyond Amarillo, where it ranks 33 of 258 lenders. Dallas-Fort Worth-Arlington is among its largest markets, it reaches 19 metros, and in 2025 it began lending in Columbia, South Carolina, and around Milwaukee.
Its loans rose 3% in 2025, against 9% at the typical peer. That follows a long fall from 332 loans in 2020 to 106 in 2023; the last three years have held between 90 and 106.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Herring Bank took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.8% · Refinance 18.3% · Other 8.6% · Home improvement 4.3%
Conventional 82.8% · FHA 12.9% · VA 4.3% · of 93 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 75 | 80.6% |
| Oklahoma | 8 | 8.6% |
| Colorado | 2 | 2.2% |
| Tennessee | 2 | 2.2% |
| Wisconsin | 2 | 2.2% |
| California | 1 | 1.1% |
| Florida | 1 | 1.1% |
| Georgia | 1 | 1.1% |
| South Carolina | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 18 |
| Amarillo | 17 |
| Fort Worth-Arlington-Grapevine | 12 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Augusta-Richmond County | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Beaumont-Port Arthur | 1 |
| Columbia | 1 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OUFGVRFN8PZB89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 610164 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17010 | 1996–2004 |
| Respondent ID (the HMDA filer code before 2018) | 35568 | 2005–2017 |
Established 1 January 1899. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Herring Bank's data.
Herring Bank's data
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Herring Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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