Herring Bank NMLS #415783
At a glance
- HeadquartersAmarillo, TX
- Size93 home loans closed in 2025
- Loan typesConventional
Ask Hope Anything About Mortgage & Home Equity!
Hope could not take that just now. Your question is still in the box.
Hope is AI and can make mistakes. Please double-check responses. About Hope * Advertising Disclosure
Who is Herring Bank?
Herring Bank (NMLS #415783) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerHerring Bank
- NMLS #415783
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- Profile updated
Compare current mortgage rates · Mortgage calculator · All lender profiles
Bank facts
Herring Bank held $540,503,000 in total assets as of June 30, 2026, per the FDIC (certificate 5568). The FDIC and NMLS records both place it in Amarillo, Texas. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Herring Bank
Overview
Herring Bank is a community bank in Amarillo, Texas, with mortgage and refinancing services alongside personal banking, business banking, student banking, and wealth management. Its home-loan offerings cover both purchase and refinance needs.
Mortgage options
Mortgage options include conventional loans, FHA loans, VA loans, jumbo loans, construction loans, mortgage refinance, cash-out refinance, reverse mortgages, and home equity lines of credit.
Company details and licensing
Herring Bank is the legal entity for NMLS ID 415783. Its headquarters are at 2201 Civic Circle in Amarillo, Texas, and its primary regulator is the Federal Deposit Insurance Corporation.
Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #415783 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asHerring Bank
- 2025 home loan decisionsOf 101 applications decided by Herring Bank in 2025, 93 were originated, 5 were approved but not accepted by the borrower, and 3 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 97%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 22 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spreadNot computed — no originations reported a spread.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported product mix, 2025
- Loan types77 Conventional, 12 FHA, 4 VA — of 93 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Herring Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Herring Bank's NMLS number?
Herring Bank's NMLS number is 415783. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Herring Bank's NMLS ID?
Yes. We checked Herring Bank's company name and NMLS ID against the NMLS record on October 14, 2026. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Herring Bank?
This page has Herring Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.