Happy State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Happy State Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Happy State Bank 701 S Taylor, Lb 120 Amarillo, TX 79101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,789 |
| Total Mortgage Loan Application Amount | $437,815,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $35,895,000 |
| Average Applicant Income | $135,800 |
| Highest Applicant Income | $4,003,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Happy State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Happy State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Happy State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Happy State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Happy State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Happy State Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Randall County Texas | 489 | $ 103,375,000 | $ 211,000 | $ 128,000 |
| Potter County Texas | 216 | $ 33,760,000 | $ 156,000 | $ 86,000 |
| Tarrant County Texas | 199 | $ 60,295,000 | $ 302,000 | $ 128,000 |
| Lubbock County Texas | 132 | $ 27,930,000 | $ 211,000 | $ 124,000 |
| Hutchinson County Texas | 103 | $ 11,025,000 | $ 107,000 | $ 72,000 |
| Dallas County Texas | 100 | $ 56,380,000 | $ 563,000 | $ 243,000 |
| Gray County Texas | 62 | $ 7,860,000 | $ 126,000 | $ 71,000 |
| Hale County Texas | 39 | $ 4,775,000 | $ 122,000 | $ 65,000 |
| Moore County Texas | 38 | $ 5,010,000 | $ 131,000 | $ 93,000 |
| Collin County Texas | 24 | $ 6,010,000 | $ 250,000 | $ 157,000 |
| Carson County Texas | 21 | $ 2,585,000 | $ 123,000 | $ 85,000 |
| Denton County Texas | 21 | $ 6,445,000 | $ 306,000 | $ 175,000 |
| Parker County Texas | 16 | $ 40,580,000 | $ 2,536,000 | $ 169,000 |
| Taylor County Texas | 16 | $ 2,770,000 | $ 173,000 | $ 126,000 |
| Bexar County Texas | 14 | $ 3,320,000 | $ 237,000 | $ 220,000 |
| Deaf Smith County Texas | 14 | $ 1,460,000 | $ 104,000 | $ 61,000 |
| Hartley County Texas | 14 | $ 3,200,000 | $ 228,000 | $ 231,000 |
| Wheeler County Texas | 11 | $ 885,000 | $ 80,000 | $ 68,000 |
| Dallam County Texas | 10 | $ 930,000 | $ 93,000 | $ 59,000 |
| Hemphill County Texas | 10 | $ 1,120,000 | $ 112,000 | $ 58,000 |
| Johnson County Texas | 10 | $ 3,300,000 | $ 330,000 | $ 121,000 |
| Lamb County Texas | 10 | $ 970,000 | $ 97,000 | $ 57,000 |
| Grayson County Texas | 9 | $ 1,275,000 | $ 141,000 | $ 89,000 |
| Rockwall County Texas | 9 | $ 2,905,000 | $ 322,000 | $ 202,000 |
| Briscoe County Texas | 8 | $ 740,000 | $ 92,000 | $ 74,000 |
| Ellis County Texas | 8 | $ 2,140,000 | $ 267,000 | $ 146,000 |
| Hall County Texas | 8 | $ 460,000 | $ 57,000 | $ 49,000 |
| Floyd County Texas | 7 | $ 465,000 | $ 66,000 | $ 45,000 |
| Wise County Texas | 7 | $ 2,245,000 | $ 320,000 | $ 71,000 |
| Armstrong County Texas | 6 | $ 760,000 | $ 126,000 | $ 73,000 |
| Hood County Texas | 5 | $ 1,305,000 | $ 261,000 | $ 113,000 |
| Jones County Texas | 5 | $ 665,000 | $ 133,000 | $ 69,000 |
| Oldham County Texas | 5 | $ 505,000 | $ 101,000 | $ 61,000 |
| Sherman County Texas | 5 | $ 715,000 | $ 143,000 | $ 70,000 |
| Castro County Texas | 4 | $ 340,000 | $ 85,000 | $ 49,000 |
| Childress County Texas | 4 | $ 410,000 | $ 102,000 | $ 65,000 |
| Collingsworth County Texas | 4 | $ 420,000 | $ 105,000 | $ 57,000 |
| McLennan County Texas | 4 | $ 620,000 | $ 155,000 | $ 95,000 |
| Midland County Texas | 4 | $ 980,000 | $ 245,000 | $ 389,000 |
| Swisher County Texas | 4 | $ 290,000 | $ 72,000 | $ 58,000 |
| Brazos County Texas | 3 | $ 865,000 | $ 288,000 | $ 131,000 |
| Cooke County Texas | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Donley County Texas | 3 | $ 205,000 | $ 68,000 | $ 57,000 |
| Galveston County Texas | 3 | $ 1,175,000 | $ 391,000 | $ 206,000 |
| Harris County Texas | 3 | $ 965,000 | $ 321,000 | $ 255,000 |
| Hockley County Texas | 3 | $ 215,000 | $ 71,000 | $ 79,000 |
| Lipscomb County Texas | 3 | $ 205,000 | $ 68,000 | $ 64,000 |
| Parmer County Texas | 3 | $ 205,000 | $ 68,000 | $ 37,000 |
| Somervell County Texas | 3 | $ 975,000 | $ 325,000 | $ 164,000 |
| Tom Green County Texas | 3 | $ 495,000 | $ 165,000 | $ 117,000 |
| Travis County Texas | 3 | $ 415,000 | $ 138,000 | $ 115,000 |
| Union County New Mexico | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Cleveland County Oklahoma | 2 | $ 310,000 | $ 155,000 | $ 176,000 |
| Dawson County Texas | 2 | $ 210,000 | $ 105,000 | $ 99,000 |
| Gillespie County Texas | 2 | $ 550,000 | $ 275,000 | $ 358,000 |
| Hansford County Texas | 2 | $ 180,000 | $ 90,000 | $ 26,000 |
| Hunt County Texas | 2 | $ 290,000 | $ 145,000 | $ 40,000 |
| Kaufman County Texas | 2 | $ 780,000 | $ 390,000 | $ 49,000 |
| Navarro County Texas | 2 | $ 4,770,000 | $ 2,385,000 | $ 0 |
| Nueces County Texas | 2 | $ 560,000 | $ 280,000 | $ 94,000 |
| Palo Pinto County Texas | 2 | $ 590,000 | $ 295,000 | $ 92,000 |
| Scurry County Texas | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Pulaski County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Adams County Colorado | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Eagle County Colorado | 1 | $ 405,000 | $ 405,000 | $ 278,000 |
| Jefferson County Colorado | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Summit County Colorado | 1 | $ 2,795,000 | $ 2,795,000 | $ 0 |
| Broward County Florida | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Flagler County Florida | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Orange County Florida | 1 | $ 135,000 | $ 135,000 | $ 171,000 |
| Palm Beach County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Seminole County Florida | 1 | $ 155,000 | $ 155,000 | $ 214,000 |
| Walton County Florida | 1 | $ 315,000 | $ 315,000 | $ 179,000 |
| Riley County Kansas | 1 | $ 125,000 | $ 125,000 | $ 438,000 |
| Colfax County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dona Ana County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Eddy County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lincoln County New Mexico | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Quay County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Taos County New Mexico | 1 | $ 405,000 | $ 405,000 | $ 191,000 |
| Rowan County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Canadian County Oklahoma | 1 | $ 485,000 | $ 485,000 | $ 246,000 |
| Garvin County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Oklahoma County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 78,000 |
| Tulsa County Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Bell County Texas | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Bosque County Texas | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Brazoria County Texas | 1 | $ 4,215,000 | $ 4,215,000 | $ 0 |
| Callahan County Texas | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Coke County Texas | 1 | $ 295,000 | $ 295,000 | $ 138,000 |
| Coryell County Texas | 1 | $ 405,000 | $ 405,000 | $ 151,000 |
| Cottle County Texas | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Eastland County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Harrison County Texas | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Henderson County Texas | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Hidalgo County Texas | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Hill County Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Howard County Texas | 1 | $ 155,000 | $ 155,000 | $ 180,000 |
| Jackson County Texas | 1 | $ 255,000 | $ 255,000 | $ 67,000 |
| Lynn County Texas | 1 | $ 295,000 | $ 295,000 | $ 202,000 |
| McCulloch County Texas | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Montague County Texas | 1 | $ 325,000 | $ 325,000 | $ 143,000 |
| Montgomery County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Motley County Texas | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Ochiltree County Texas | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Rains County Texas | 1 | $ 155,000 | $ 155,000 | $ 161,000 |
| Roberts County Texas | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Shackelford County Texas | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Terry County Texas | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Ward County Texas | 1 | $ 115,000 | $ 115,000 | $ 145,000 |
| Wilbarger County Texas | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Williamson County Texas | 1 | $ 185,000 | $ 185,000 | $ 171,000 |
| Chesterfield County Virginia | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Fairfax County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| King George County Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Orange County Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Happy State Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,395 | $356,915,000 | $255,000 | $35,895,000 | $108,000 | $4,003,000 |
| Refinancing | 161 | $47,365,000 | $294,000 | $3,005,000 | $177,000 | $2,640,000 |
| Cash-out Refinancing | 99 | $19,835,000 | $200,000 | $1,365,000 | $133,000 | $1,632,000 |
| Home Improvement | 86 | $9,020,000 | $104,000 | $895,000 | $136,000 | $600,000 |
| Other Purpose | 48 | $4,680,000 | $97,000 | $405,000 | $125,000 | $874,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 925 | $184,285,000 | $199,000 | $2,045,000 | $127,000 | $4,003,000 |
| Not applicable | 382 | $168,660,000 | $441,000 | $35,895,000 | $0 | $0 |
| Hispanic | 287 | $39,645,000 | $138,000 | $1,315,000 | $75,000 | $738,000 |
| Not Provided | 96 | $24,930,000 | $259,000 | $2,905,000 | $155,000 | $1,920,000 |
| Black or African American | 42 | $8,600,000 | $204,000 | $655,000 | $71,000 | $276,000 |
| Asian | 35 | $6,185,000 | $176,000 | $655,000 | $127,000 | $378,000 |
| American Indian or Alaskan Native | 12 | $1,720,000 | $143,000 | $305,000 | $66,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $355,000 | $194,000 | $213,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,491 | $389,525,000 | $261,000 | $35,895,000 | $128,000 | $4,003,000 |
| FHA-insured (Federal Housing Administration) | 222 | $35,620,000 | $160,000 | $345,000 | $72,000 | $322,000 |
| VA-guaranteed (Veterans Administration) | 43 | $9,385,000 | $218,000 | $485,000 | $94,000 | $279,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $3,285,000 | $99,000 | $215,000 | $50,000 | $83,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,088 | $268,570,000 | $246,000 | $13,095,000 | $130,000 | $4,003,000 |
| Application Denied By Financial Institution | 177 | $64,545,000 | $364,000 | $35,895,000 | $78,000 | $696,000 |
| Application Approved But Not Accepted | 161 | $37,125,000 | $230,000 | $6,595,000 | $108,000 | $874,000 |
| Application Withdrawn By Applicant | 131 | $23,345,000 | $178,000 | $925,000 | $142,000 | $1,632,000 |
| Preapproval Approved but not Accepted | 127 | $24,875,000 | $195,000 | $855,000 | $86,000 | $278,000 |
| Preapproval Denied by Financial Institution | 62 | $10,500,000 | $169,000 | $595,000 | $55,000 | $165,000 |
| File Closed For Incompleteness | 38 | $8,250,000 | $217,000 | $905,000 | $169,000 | $1,920,000 |
| Loan Purchased By The Institution | 5 | $605,000 | $121,000 | $145,000 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,550 | $362,770,000 | $234,000 | $13,095,000 | $125,000 | $4,003,000 |
| Credit History | 108 | $13,190,000 | $122,000 | $905,000 | $80,000 | $696,000 |
| Debt-To-Income Ratio | 74 | $14,780,000 | $199,000 | $2,905,000 | $56,000 | $499,000 |
| Collateral | 17 | $3,445,000 | $202,000 | $1,045,000 | $98,000 | $404,000 |
| Other | 16 | $40,200,000 | $2,512,000 | $35,895,000 | $97,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,250,000 | $125,000 | $365,000 | $61,000 | $138,000 |
| Employment History | 9 | $1,255,000 | $139,000 | $485,000 | $60,000 | $243,000 |
| Unverifiable Information | 5 | $925,000 | $185,000 | $365,000 | $41,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Happy State Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Happy State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.