Happy State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Happy State Bank 2021 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 | 2,454 |
| Total Mortgage Loan Application Amount | $738,690,000 |
| Average Mortgage Loan Application Amount | $238,000 |
| Highest Mortgage Loan Application Amount | $30,265,000 |
| Average Applicant Income | $132,200 |
| Highest Applicant Income | $1,898,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 729 | $ 173,735,000 | $ 238,000 | $ 113,000 |
| Potter County Texas | 308 | $ 62,710,000 | $ 203,000 | $ 91,000 |
| Lubbock County Texas | 242 | $ 56,160,000 | $ 232,000 | $ 138,000 |
| Tarrant County Texas | 147 | $ 51,675,000 | $ 351,000 | $ 146,000 |
| Hutchinson County Texas | 81 | $ 11,765,000 | $ 145,000 | $ 96,000 |
| Dallas County Texas | 70 | $ 27,880,000 | $ 398,000 | $ 221,000 |
| Gray County Texas | 57 | $ 5,985,000 | $ 105,000 | $ 91,000 |
| Hale County Texas | 57 | $ 7,675,000 | $ 134,000 | $ 86,000 |
| Kerr County Texas | 57 | $ 16,775,000 | $ 294,000 | $ 116,000 |
| Moore County Texas | 46 | $ 6,850,000 | $ 148,000 | $ 111,000 |
| Collin County Texas | 39 | $ 12,465,000 | $ 319,000 | $ 221,000 |
| Bexar County Texas | 26 | $ 45,770,000 | $ 1,760,000 | $ 303,000 |
| Travis County Texas | 26 | $ 42,830,000 | $ 1,647,000 | $ 190,000 |
| Carson County Texas | 24 | $ 3,660,000 | $ 152,000 | $ 83,000 |
| Castro County Texas | 24 | $ 5,570,000 | $ 232,000 | $ 147,000 |
| Grayson County Texas | 24 | $ 4,580,000 | $ 190,000 | $ 129,000 |
| Parker County Texas | 23 | $ 8,215,000 | $ 357,000 | $ 180,000 |
| Taylor County Texas | 21 | $ 3,415,000 | $ 162,000 | $ 83,000 |
| Swisher County Texas | 19 | $ 2,115,000 | $ 111,000 | $ 105,000 |
| Denton County Texas | 16 | $ 15,470,000 | $ 966,000 | $ 186,000 |
| Gillespie County Texas | 16 | $ 7,150,000 | $ 446,000 | $ 184,000 |
| Floyd County Texas | 15 | $ 975,000 | $ 65,000 | $ 76,000 |
| Lamb County Texas | 15 | $ 1,455,000 | $ 97,000 | $ 65,000 |
| Deaf Smith County Texas | 14 | $ 2,010,000 | $ 143,000 | $ 49,000 |
| Oldham County Texas | 11 | $ 2,135,000 | $ 194,000 | $ 119,000 |
| Sherman County Texas | 11 | $ 1,195,000 | $ 108,000 | $ 73,000 |
| Wheeler County Texas | 11 | $ 1,835,000 | $ 166,000 | $ 69,000 |
| Armstrong County Texas | 10 | $ 1,210,000 | $ 121,000 | $ 107,000 |
| Comal County Texas | 10 | $ 5,010,000 | $ 501,000 | $ 260,000 |
| Hemphill County Texas | 10 | $ 1,650,000 | $ 165,000 | $ 81,000 |
| Lynn County Texas | 10 | $ 1,490,000 | $ 149,000 | $ 89,000 |
| McLennan County Texas | 10 | $ 2,470,000 | $ 247,000 | $ 154,000 |
| Dallam County Texas | 9 | $ 825,000 | $ 91,000 | $ 76,000 |
| Johnson County Texas | 9 | $ 4,205,000 | $ 467,000 | $ 98,000 |
| Harris County Texas | 8 | $ 1,330,000 | $ 166,000 | $ 130,000 |
| Hartley County Texas | 8 | $ 1,760,000 | $ 220,000 | $ 337,000 |
| Williamson County Texas | 8 | $ 22,000,000 | $ 2,750,000 | $ 126,000 |
| Bailey County Texas | 7 | $ 1,115,000 | $ 159,000 | $ 60,000 |
| Hall County Texas | 7 | $ 365,000 | $ 52,000 | $ 71,000 |
| Hays County Texas | 7 | $ 3,085,000 | $ 440,000 | $ 262,000 |
| Parmer County Texas | 7 | $ 1,275,000 | $ 182,000 | $ 78,000 |
| Ellis County Texas | 6 | $ 1,800,000 | $ 300,000 | $ 132,000 |
| Garza County Texas | 6 | $ 530,000 | $ 88,000 | $ 66,000 |
| Midland County Texas | 6 | $ 3,320,000 | $ 553,000 | $ 145,000 |
| Briscoe County Texas | 5 | $ 825,000 | $ 165,000 | $ 123,000 |
| Burnet County Texas | 5 | $ 2,785,000 | $ 557,000 | $ 285,000 |
| Galveston County Texas | 5 | $ 1,945,000 | $ 389,000 | $ 224,000 |
| Hansford County Texas | 5 | $ 495,000 | $ 99,000 | $ 52,000 |
| Hood County Texas | 5 | $ 27,665,000 | $ 5,533,000 | $ 130,000 |
| Kaufman County Texas | 5 | $ 1,695,000 | $ 339,000 | $ 153,000 |
| Rockwall County Texas | 5 | $ 2,325,000 | $ 465,000 | $ 189,000 |
| Callahan County Texas | 4 | $ 800,000 | $ 200,000 | $ 57,000 |
| Donley County Texas | 4 | $ 250,000 | $ 62,000 | $ 48,000 |
| Ector County Texas | 4 | $ 690,000 | $ 172,000 | $ 50,000 |
| Mitchell County Texas | 4 | $ 810,000 | $ 202,000 | $ 56,000 |
| Wise County Texas | 4 | $ 1,330,000 | $ 332,000 | $ 140,000 |
| Lea County New Mexico | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Union County New Mexico | 3 | $ 565,000 | $ 188,000 | $ 48,000 |
| Cameron County Texas | 3 | $ 765,000 | $ 255,000 | $ 222,000 |
| Gaines County Texas | 3 | $ 595,000 | $ 198,000 | $ 119,000 |
| Henderson County Texas | 3 | $ 1,445,000 | $ 481,000 | $ 335,000 |
| Hunt County Texas | 3 | $ 835,000 | $ 278,000 | $ 130,000 |
| Kendall County Texas | 3 | $ 2,905,000 | $ 968,000 | $ 563,000 |
| Motley County Texas | 3 | $ 215,000 | $ 71,000 | $ 72,000 |
| Nueces County Texas | 3 | $ 1,415,000 | $ 471,000 | $ 268,000 |
| Ochiltree County Texas | 3 | $ 315,000 | $ 105,000 | $ 70,000 |
| Palo Pinto County Texas | 3 | $ 665,000 | $ 221,000 | $ 0 |
| Tom Green County Texas | 3 | $ 1,215,000 | $ 405,000 | $ 64,000 |
| Van Zandt County Texas | 3 | $ 1,385,000 | $ 461,000 | $ 94,000 |
| Maricopa County Arizona | 2 | $ 1,910,000 | $ 955,000 | $ 54,000 |
| Tangipahoa County Louisiana | 2 | $ 3,460,000 | $ 1,730,000 | $ 0 |
| Terrebonne County Louisiana | 2 | $ 2,650,000 | $ 1,325,000 | $ 0 |
| Colfax County New Mexico | 2 | $ 840,000 | $ 420,000 | $ 450,000 |
| Curry County New Mexico | 2 | $ 170,000 | $ 85,000 | $ 54,000 |
| Santa Fe County New Mexico | 2 | $ 1,180,000 | $ 590,000 | $ 306,000 |
| Taos County New Mexico | 2 | $ 600,000 | $ 300,000 | $ 84,000 |
| Bryan County Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 71,000 |
| Bell County Texas | 2 | $ 670,000 | $ 335,000 | $ 85,000 |
| Brazos County Texas | 2 | $ 490,000 | $ 245,000 | $ 105,000 |
| Childress County Texas | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Crosby County Texas | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Dawson County Texas | 2 | $ 240,000 | $ 120,000 | $ 63,000 |
| Fannin County Texas | 2 | $ 460,000 | $ 230,000 | $ 102,000 |
| Fort Bend County Texas | 2 | $ 310,000 | $ 155,000 | $ 183,000 |
| Franklin County Texas | 2 | $ 790,000 | $ 395,000 | $ 128,000 |
| Howard County Texas | 2 | $ 610,000 | $ 305,000 | $ 183,000 |
| Llano County Texas | 2 | $ 1,030,000 | $ 515,000 | $ 334,000 |
| Rains County Texas | 2 | $ 1,430,000 | $ 715,000 | $ 286,000 |
| Smith County Texas | 2 | $ 360,000 | $ 180,000 | $ 127,000 |
| Saline County Arkansas | 1 | $ 1,005,000 | $ 1,005,000 | $ 218,000 |
| Orange County California | 1 | $ 1,805,000 | $ 1,805,000 | $ 714,000 |
| Santa Clara County California | 1 | $ 1,755,000 | $ 1,755,000 | $ 410,000 |
| El Paso County Colorado | 1 | $ 695,000 | $ 695,000 | $ 289,000 |
| Huerfano County Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Summit County Colorado | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Osceola County Florida | 1 | $ 355,000 | $ 355,000 | $ 370,000 |
| Ada County Idaho | 1 | $ 305,000 | $ 305,000 | $ 342,000 |
| Allen County Indiana | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Sedgwick County Kansas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Jefferson Davis County Louisiana | 1 | $ 2,725,000 | $ 2,725,000 | $ 0 |
| Clark County Nevada | 1 | $ 755,000 | $ 755,000 | $ 313,000 |
| Dona Ana County New Mexico | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Lincoln County New Mexico | 1 | $ 445,000 | $ 445,000 | $ 482,000 |
| Quay County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Sandoval County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Cleveland County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 365,000 |
| McCurtain County Oklahoma | 1 | $ 385,000 | $ 385,000 | $ 224,000 |
| Payne County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Texas County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Washita County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Shelby County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 67,000 |
| Anderson County Texas | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Andrews County Texas | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Bandera County Texas | 1 | $ 65,000 | $ 65,000 | $ 200,000 |
| Blanco County Texas | 1 | $ 315,000 | $ 315,000 | $ 270,000 |
| Cochran County Texas | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Cooke County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dickens County Texas | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Eastland County Texas | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| El Paso County Texas | 1 | $ 635,000 | $ 635,000 | $ 667,000 |
| Erath County Texas | 1 | $ 195,000 | $ 195,000 | $ 156,000 |
| Guadalupe County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hamilton County Texas | 1 | $ 85,000 | $ 85,000 | $ 314,000 |
| Haskell County Texas | 1 | $ 155,000 | $ 155,000 | $ 176,000 |
| Hill County Texas | 1 | $ 445,000 | $ 445,000 | $ 174,000 |
| Jack County Texas | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Jefferson County Texas | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Jones County Texas | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Kent County Texas | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Lee County Texas | 1 | $ 1,955,000 | $ 1,955,000 | $ 0 |
| Lipscomb County Texas | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Montgomery County Texas | 1 | $ 635,000 | $ 635,000 | $ 93,000 |
| Navarro County Texas | 1 | $ 2,615,000 | $ 2,615,000 | $ 0 |
| Roberts County Texas | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Terry County Texas | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Washington County Texas | 1 | $ 3,485,000 | $ 3,485,000 | $ 0 |
| Young County Texas | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Utah County Utah | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Jefferson County Washington | 1 | $ 1,755,000 | $ 1,755,000 | $ 899,000 |
| Pierce County Washington | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
Mortgage Loan Application Detail Totals for Happy State Bank in 2021
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 | 1,639 | $529,605,000 | $323,000 | $30,265,000 | $112,000 | $1,257,000 |
| Refinancing | 474 | $138,140,000 | $291,000 | $5,105,000 | $149,000 | $1,898,000 |
| Cash-out Refinancing | 201 | $44,565,000 | $221,000 | $1,505,000 | $127,000 | $881,000 |
| Home Improvement | 89 | $19,255,000 | $216,000 | $5,105,000 | $155,000 | $662,000 |
| Other Purpose | 51 | $7,125,000 | $139,000 | $545,000 | $118,000 | $774,000 |
| 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 | 1,213 | $297,545,000 | $245,000 | $5,105,000 | $134,000 | $1,898,000 |
| Not applicable | 546 | $299,970,000 | $549,000 | $30,265,000 | $0 | $0 |
| Hispanic | 429 | $72,855,000 | $169,000 | $1,805,000 | $85,000 | $801,000 |
| Not Provided | 162 | $42,500,000 | $262,000 | $2,005,000 | $128,000 | $837,000 |
| Asian | 43 | $11,095,000 | $258,000 | $1,755,000 | $120,000 | $521,000 |
| Black or African American | 33 | $8,745,000 | $265,000 | $965,000 | $105,000 | $225,000 |
| American Indian or Alaskan Native | 17 | $2,895,000 | $170,000 | $405,000 | $148,000 | $662,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,107 | $674,535,000 | $320,000 | $30,265,000 | $134,000 | $1,898,000 |
| FHA-insured (Federal Housing Administration) | 275 | $46,895,000 | $170,000 | $365,000 | $64,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 54 | $14,840,000 | $274,000 | $565,000 | $99,000 | $364,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,420,000 | $134,000 | $315,000 | $58,000 | $108,000 |
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 | 1,608 | $494,750,000 | $307,000 | $27,005,000 | $131,000 | $1,898,000 |
| Application Withdrawn By Applicant | 331 | $136,995,000 | $413,000 | $30,265,000 | $127,000 | $790,000 |
| Preapproval Approved but not Accepted | 181 | $41,775,000 | $230,000 | $2,005,000 | $104,000 | $1,257,000 |
| Application Denied By Financial Institution | 170 | $30,070,000 | $176,000 | $925,000 | $80,000 | $774,000 |
| Preapproval Denied by Financial Institution | 86 | $16,980,000 | $197,000 | $1,755,000 | $69,000 | $450,000 |
| Application Approved But Not Accepted | 41 | $10,105,000 | $246,000 | $1,325,000 | $242,000 | $1,014,000 |
| File Closed For Incompleteness | 36 | $7,560,000 | $210,000 | $1,205,000 | $170,000 | $793,000 |
| Loan Purchased By The Institution | 1 | $455,000 | $455,000 | $455,000 | $223,000 | $223,000 |
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 | 2,198 | $691,640,000 | $314,000 | $30,265,000 | $129,000 | $1,898,000 |
| Debt-To-Income Ratio | 99 | $22,205,000 | $224,000 | $1,755,000 | $54,000 | $410,000 |
| Credit History | 95 | $12,345,000 | $129,000 | $635,000 | $81,000 | $450,000 |
| Other | 24 | $4,200,000 | $175,000 | $435,000 | $81,000 | $200,000 |
| Collateral | 22 | $4,390,000 | $199,000 | $655,000 | $152,000 | $774,000 |
| Unverifiable Information | 6 | $2,110,000 | $351,000 | $925,000 | $201,000 | $557,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $855,000 | $171,000 | $365,000 | $82,000 | $128,000 |
| Employment History | 4 | $720,000 | $180,000 | $255,000 | $87,000 | $180,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $133,000 | $133,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Happy State Bank's 2021 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.