Happy State Bank Mortgage Lending & HMDA Data, 2020
In 2020, Happy State Bank of Amarillo, TX reported 2,642 mortgage applications totaling $792.3 million, up 48% from 2019. The average application was for $299,890, and applicants reported an average income of $133,732. 64% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Amarillo, TX (1,129), Fort Worth-Arlington, TX (337) and Lubbock, TX (217) (applications in parentheses).
| 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 | 2,642 |
| Total Mortgage Loan Application Amount | $792,310,000 |
| Average Mortgage Loan Application Amount | $299,890 |
| Highest Mortgage Loan Application Amount | $31,935,000 |
| Average Applicant Income | $133,732 |
| Highest Applicant Income | $8,086,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Happy State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Randall, Texas | 797 | $ 170,665,000 | $ 214,134 | $ 121,000 |
| Potter, Texas | 294 | $ 60,490,000 | $ 205,748 | $ 106,000 |
| Tarrant, Texas | 272 | $ 89,740,000 | $ 329,926 | $ 147,000 |
| Lubbock, Texas | 215 | $ 97,685,000 | $ 454,348 | $ 123,000 |
| Hutchinson, Texas | 113 | $ 13,475,000 | $ 119,247 | $ 80,000 |
| Dallas, Texas | 93 | $ 56,265,000 | $ 605,000 | $ 237,000 |
| Gray, Texas | 59 | $ 5,105,000 | $ 86,525 | $ 81,000 |
| Hale, Texas | 55 | $ 6,225,000 | $ 113,181 | $ 78,000 |
| Parker, Texas | 49 | $ 15,685,000 | $ 320,102 | $ 157,000 |
| Collin, Texas | 47 | $ 15,035,000 | $ 319,893 | $ 175,000 |
| Moore, Texas | 43 | $ 5,865,000 | $ 136,395 | $ 110,000 |
| Denton, Texas | 41 | $ 16,925,000 | $ 412,804 | $ 404,000 |
| Bexar, Texas | 38 | $ 10,680,000 | $ 281,052 | $ 154,000 |
| Taylor, Texas | 34 | $ 6,040,000 | $ 177,647 | $ 134,000 |
| Grayson, Texas | 25 | $ 4,935,000 | $ 197,400 | $ 77,000 |
| Carson, Texas | 23 | $ 3,305,000 | $ 143,695 | $ 76,000 |
| Deaf Smith, Texas | 23 | $ 2,325,000 | $ 101,086 | $ 163,000 |
| Travis, Texas | 20 | $ 7,460,000 | $ 373,000 | $ 197,000 |
| Kerr, Texas | 19 | $ 5,105,000 | $ 268,684 | $ 177,000 |
| Hemphill, Texas | 16 | $ 2,470,000 | $ 154,375 | $ 90,000 |
| Swisher, Texas | 13 | $ 1,545,000 | $ 118,846 | $ 80,000 |
| Hood, Texas | 12 | $ 17,110,000 | $ 1,425,833 | $ 151,000 |
| Wheeler, Texas | 12 | $ 1,400,000 | $ 116,666 | $ 52,000 |
| Oldham, Texas | 11 | $ 2,225,000 | $ 202,272 | $ 90,000 |
| Rockwall, Texas | 11 | $ 3,115,000 | $ 283,181 | $ 147,000 |
| Briscoe, Texas | 10 | $ 620,000 | $ 62,000 | $ 81,000 |
| Childress, Texas | 10 | $ 740,000 | $ 74,000 | $ 77,000 |
| Dallam, Texas | 10 | $ 1,320,000 | $ 132,000 | $ 56,000 |
| Galveston, Texas | 9 | $ 10,635,000 | $ 1,181,666 | $ 168,000 |
| Johnson, Texas | 8 | $ 2,070,000 | $ 258,750 | $ 149,000 |
| Kaufman, Texas | 8 | $ 2,770,000 | $ 346,250 | $ 145,000 |
| Lamb, Texas | 8 | $ 560,000 | $ 70,000 | $ 139,000 |
| Sherman, Texas | 8 | $ 980,000 | $ 122,500 | $ 68,000 |
| Wise, Texas | 8 | $ 2,200,000 | $ 275,000 | $ 126,000 |
| Hall, Texas | 7 | $ 395,000 | $ 56,428 | $ 62,000 |
| Nueces, Texas | 7 | $ 3,055,000 | $ 436,428 | $ 550,000 |
| Ellis, Texas | 6 | $ 960,000 | $ 160,000 | $ 80,000 |
| Floyd, Texas | 6 | $ 450,000 | $ 75,000 | $ 66,000 |
| Garza, Texas | 6 | $ 1,030,000 | $ 171,666 | $ 167,000 |
| Colfax, New Mexico | 5 | $ 1,345,000 | $ 269,000 | $ 209,000 |
| Gillespie, Texas | 5 | $ 1,735,000 | $ 347,000 | $ 146,000 |
| Harris, Texas | 5 | $ 43,885,000 | $ 8,777,000 | $ 231,000 |
| Hartley, Texas | 5 | $ 1,205,000 | $ 241,000 | $ 238,000 |
| Hays, Texas | 5 | $ 1,325,000 | $ 265,000 | $ 85,000 |
| Hunt, Texas | 5 | $ 1,935,000 | $ 387,000 | $ 206,000 |
| Midland, Texas | 5 | $ 1,735,000 | $ 347,000 | $ 178,000 |
| Eagle, Colorado | 4 | $ 3,310,000 | $ 827,500 | $ 866,000 |
| Armstrong, Texas | 4 | $ 490,000 | $ 122,500 | $ 70,000 |
| Castro, Texas | 4 | $ 530,000 | $ 132,500 | $ 45,000 |
| Motley, Texas | 4 | $ 310,000 | $ 77,500 | $ 69,000 |
| Williamson, Texas | 4 | $ 33,790,000 | $ 8,447,500 | $ 565,000 |
| Sandoval, New Mexico | 3 | $ 965,000 | $ 321,666 | $ 174,000 |
| Union, New Mexico | 3 | $ 215,000 | $ 71,666 | $ 44,000 |
| Brazos, Texas | 3 | $ 1,075,000 | $ 358,333 | $ 154,000 |
| Donley, Texas | 3 | $ 515,000 | $ 171,666 | $ 151,000 |
| Ector, Texas | 3 | $ 665,000 | $ 221,666 | $ 833,000 |
| Hockley, Texas | 3 | $ 505,000 | $ 168,333 | $ 148,000 |
| Lamar, Texas | 3 | $ 735,000 | $ 245,000 | $ 64,000 |
| Palo Pinto, Texas | 3 | $ 525,000 | $ 175,000 | $ 76,000 |
| Parmer, Texas | 3 | $ 325,000 | $ 108,333 | $ 38,000 |
| Las Animas, Colorado | 2 | $ 130,000 | $ 65,000 | $ 173,000 |
| Pinellas, Florida | 2 | $ 2,700,000 | $ 1,350,000 | $ 0 |
| Curry, New Mexico | 2 | $ 540,000 | $ 270,000 | $ 50,000 |
| Dona Ana, New Mexico | 2 | $ 430,000 | $ 215,000 | $ 64,000 |
| Lincoln, New Mexico | 2 | $ 450,000 | $ 225,000 | $ 99,000 |
| Taos, New Mexico | 2 | $ 650,000 | $ 325,000 | $ 161,000 |
| Oklahoma, Oklahoma | 2 | $ 350,000 | $ 175,000 | $ 75,000 |
| Bell, Texas | 2 | $ 1,780,000 | $ 890,000 | $ 82,000 |
| Callahan, Texas | 2 | $ 230,000 | $ 115,000 | $ 87,000 |
| Cherokee, Texas | 2 | $ 160,000 | $ 80,000 | $ 93,000 |
| Comal, Texas | 2 | $ 860,000 | $ 430,000 | $ 649,000 |
| Cooke, Texas | 2 | $ 560,000 | $ 280,000 | $ 84,000 |
| Guadalupe, Texas | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Harrison, Texas | 2 | $ 370,000 | $ 185,000 | $ 55,000 |
| Hill, Texas | 2 | $ 330,000 | $ 165,000 | $ 113,000 |
| Hopkins, Texas | 2 | $ 760,000 | $ 380,000 | $ 864,000 |
| Jones, Texas | 2 | $ 240,000 | $ 120,000 | $ 72,000 |
| Lipscomb, Texas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Lynn, Texas | 2 | $ 690,000 | $ 345,000 | $ 234,000 |
| McLennan, Texas | 2 | $ 1,220,000 | $ 610,000 | $ 75,000 |
| Montague, Texas | 2 | $ 490,000 | $ 245,000 | $ 105,000 |
| Navarro, Texas | 2 | $ 3,680,000 | $ 1,840,000 | $ 74,000 |
| Nolan, Texas | 2 | $ 870,000 | $ 435,000 | $ 0 |
| Ochiltree, Texas | 2 | $ 440,000 | $ 220,000 | $ 168,000 |
| San Patricio, Texas | 2 | $ 8,350,000 | $ 4,175,000 | $ 0 |
| Tom Green, Texas | 2 | $ 1,080,000 | $ 540,000 | $ 120,000 |
| Van Zandt, Texas | 2 | $ 470,000 | $ 235,000 | $ 84,000 |
| Victoria, Texas | 2 | $ 1,380,000 | $ 690,000 | $ 103,000 |
| Yoakum, Texas | 2 | $ 390,000 | $ 195,000 | $ 128,000 |
| Lee, Alabama | 1 | $ 235,000 | $ 235,000 | $ 470,000 |
| Benton, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 167,000 |
| Garland, Arkansas | 1 | $ 675,000 | $ 675,000 | $ 1,020,000 |
| Park, Colorado | 1 | $ 215,000 | $ 215,000 | $ 147,000 |
| Routt, Colorado | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Brevard, Florida | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Walton, Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Fulton, Georgia | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Valley, Idaho | 1 | $ 425,000 | $ 425,000 | $ 62,000 |
| Sedgwick, Kansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Seward, Kansas | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Rapides, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Middlesex, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 438,000 |
| Kent, Michigan | 1 | $ 355,000 | $ 355,000 | $ 105,000 |
| Adams, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lea, New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Otero, New Mexico | 1 | $ 155,000 | $ 155,000 | $ 231,000 |
| Quay, New Mexico | 1 | $ 215,000 | $ 215,000 | $ 172,000 |
| Santa Fe, New Mexico | 1 | $ 475,000 | $ 475,000 | $ 205,000 |
| Guilford, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Henderson, North Carolina | 1 | $ 515,000 | $ 515,000 | $ 540,000 |
| Canadian, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Carter, Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 234,000 |
| Murray, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 405,000 | $ 405,000 | $ 96,000 |
| Davidson, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 186,000 |
| Sullivan, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Archer, Texas | 1 | $ 115,000 | $ 115,000 | $ 180,000 |
| Bastrop, Texas | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Blanco, Texas | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Bosque, Texas | 1 | $ 975,000 | $ 975,000 | $ 1,156,000 |
| Brazoria, Texas | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Cameron, Texas | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Cottle, Texas | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Dickens, Texas | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Eastland, Texas | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Gaines, Texas | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Hamilton, Texas | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Hansford, Texas | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Howard, Texas | 1 | $ 185,000 | $ 185,000 | $ 98,000 |
| Kendall, Texas | 1 | $ 955,000 | $ 955,000 | $ 622,000 |
| Martin, Texas | 1 | $ 375,000 | $ 375,000 | $ 134,000 |
| McCulloch, Texas | 1 | $ 175,000 | $ 175,000 | $ 151,000 |
| Rains, Texas | 1 | $ 485,000 | $ 485,000 | $ 144,000 |
| Smith, Texas | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Somervell, Texas | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Upshur, Texas | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Wood, Texas | 1 | $ 155,000 | $ 155,000 | $ 147,000 |
| Young, Texas | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Washington, Utah | 1 | $ 505,000 | $ 505,000 | $ 169,000 |
| Teton, Wyoming | 1 | $ 495,000 | $ 495,000 | $ 330,000 |
Mortgage Loan Application Detail Totals for Happy State Bank in 2020
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 | 1,570 | $505,310,000 | $321,000 | $31,935,000 | $113,000 | $3,833,000 |
| Refinancing | 669 | $213,765,000 | $319,000 | $15,755,000 | $172,000 | $8,086,000 |
| Cash-out Refinancing | 225 | $58,275,000 | $259,000 | $2,325,000 | $175,000 | $3,150,000 |
| Home Improvement | 128 | $9,610,000 | $75,000 | $405,000 | $131,000 | $2,232,000 |
| Other Purpose | 50 | $5,350,000 | $107,000 | $655,000 | $94,000 | $360,000 |
| 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 | 1,490 | $331,380,000 | $222,000 | $1,955,000 | $142,000 | $8,086,000 |
| Not applicable | 468 | $317,450,000 | $678,000 | $31,935,000 | $0 | $0 |
| Hispanic | 372 | $62,220,000 | $167,000 | $1,305,000 | $107,000 | $2,232,000 |
| Not Provided | 200 | $52,540,000 | $262,000 | $2,325,000 | $144,000 | $712,000 |
| Asian | 45 | $11,365,000 | $252,000 | $935,000 | $142,000 | $648,000 |
| Black or African American | 40 | $8,280,000 | $207,000 | $765,000 | $90,000 | $275,000 |
| American Indian or Alaskan Native | 15 | $2,855,000 | $190,000 | $425,000 | $100,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $420,000 | $210,000 | $275,000 | $95,000 | $134,000 |
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) | 2,282 | $726,860,000 | $318,000 | $31,935,000 | $147,000 | $8,086,000 |
| FHA-insured (Federal Housing Administration) | 264 | $46,450,000 | $175,000 | $365,000 | $73,000 | $470,000 |
| VA-guaranteed (Veterans Administration) | 66 | $16,210,000 | $245,000 | $515,000 | $103,000 | $332,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $2,790,000 | $93,000 | $215,000 | $50,000 | $86,000 |
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 | 1,691 | $529,975,000 | $313,000 | $31,935,000 | $130,000 | $3,833,000 |
| Application Withdrawn By Applicant | 397 | $100,935,000 | $254,000 | $2,325,000 | $197,000 | $8,086,000 |
| Application Denied By Financial Institution | 185 | $34,835,000 | $188,000 | $2,455,000 | $86,000 | $689,000 |
| Preapproval Approved but not Accepted | 154 | $32,170,000 | $208,000 | $935,000 | $94,000 | $648,000 |
| Preapproval Denied by Financial Institution | 82 | $13,280,000 | $161,000 | $555,000 | $58,000 | $264,000 |
| File Closed For Incompleteness | 79 | $24,045,000 | $304,000 | $1,755,000 | $198,000 | $1,156,000 |
| Application Approved But Not Accepted | 48 | $48,110,000 | $1,002,000 | $12,695,000 | $102,000 | $239,000 |
| Loan Purchased By The Institution | 6 | $8,960,000 | $1,493,000 | $8,535,000 | $46,000 | $75,000 |
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 | 2,375 | $744,195,000 | $313,000 | $31,935,000 | $144,000 | $8,086,000 |
| Credit History | 105 | $15,335,000 | $146,000 | $765,000 | $93,000 | $689,000 |
| Debt-To-Income Ratio | 103 | $17,955,000 | $174,000 | $555,000 | $53,000 | $264,000 |
| Other | 25 | $9,345,000 | $373,000 | $2,455,000 | $79,000 | $206,000 |
| Collateral | 22 | $3,700,000 | $168,000 | $585,000 | $122,000 | $596,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,025,000 | $146,000 | $275,000 | $65,000 | $82,000 |
| Employment History | 3 | $285,000 | $95,000 | $145,000 | $40,000 | $53,000 |
| Credit Application Incomplete | 2 | $470,000 | $235,000 | $255,000 | $100,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Happy State Bank's 2020 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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