Happy State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Happy State Bank 2016 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 | 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 1,596 |
| Total Mortgage Loan Application Amount | $302,341,000 |
| Average Mortgage Loan Application Amount | $161,666 |
| Highest Mortgage Loan Application Amount | $15,800,000 |
| Average Applicant Income | $83,666 |
| Highest Applicant Income | $3,452,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 483 | $ 93,045,000 | $ 192,000 | $ 96,000 |
| Potter County Texas | 163 | $ 23,803,000 | $ 146,000 | $ 94,000 |
| Tarrant County Texas | 162 | $ 18,171,000 | $ 112,000 | $ 32,000 |
| Lubbock County Texas | 113 | $ 34,606,000 | $ 306,000 | $ 106,000 |
| Dallas County Texas | 105 | $ 29,038,000 | $ 276,000 | $ 23,000 |
| Moore County Texas | 61 | $ 3,022,000 | $ 49,000 | $ 110,000 |
| Taylor County Texas | 59 | $ 4,028,000 | $ 68,000 | $ 76,000 |
| Harris County Texas | 54 | $ 33,297,000 | $ 616,000 | $ 2,000 |
| Hutchinson County Texas | 46 | $ 3,068,000 | $ 66,000 | $ 66,000 |
| Gray County Texas | 42 | $ 2,750,000 | $ 65,000 | $ 56,000 |
| Bexar County Texas | 38 | $ 3,324,000 | $ 87,000 | $ 5,000 |
| Carson County Texas | 33 | $ 1,814,000 | $ 54,000 | $ 89,000 |
| Dallam County Texas | 22 | $ 643,000 | $ 29,000 | $ 53,000 |
| Hale County Texas | 21 | $ 2,856,000 | $ 136,000 | $ 125,000 |
| Sherman County Texas | 18 | $ 580,000 | $ 32,000 | $ 72,000 |
| Deaf Smith County Texas | 17 | $ 1,011,000 | $ 59,000 | $ 70,000 |
| Collin County Texas | 10 | $ 2,103,000 | $ 210,000 | $ 114,000 |
| Hemphill County Texas | 10 | $ 1,223,000 | $ 122,000 | $ 83,000 |
| Brazos County Texas | 8 | $ 6,821,000 | $ 852,000 | $ 0 |
| Galveston County Texas | 7 | $ 434,000 | $ 62,000 | $ 0 |
| Parker County Texas | 7 | $ 2,809,000 | $ 401,000 | $ 63,000 |
| Union County New Mexico | 6 | $ 216,000 | $ 36,000 | $ 58,000 |
| Floyd County Texas | 6 | $ 549,000 | $ 91,000 | $ 61,000 |
| Taos County New Mexico | 5 | $ 1,115,000 | $ 223,000 | $ 361,000 |
| Denton County Texas | 5 | $ 2,001,000 | $ 400,000 | $ 230,000 |
| Hartley County Texas | 5 | $ 405,000 | $ 81,000 | $ 49,000 |
| Swisher County Texas | 5 | $ 264,000 | $ 52,000 | $ 57,000 |
| Travis County Texas | 5 | $ 1,756,000 | $ 351,000 | $ 320,000 |
| Wheeler County Texas | 5 | $ 288,000 | $ 57,000 | $ 44,000 |
| Grayson County Texas | 4 | $ 482,000 | $ 120,000 | $ 0 |
| Lamb County Texas | 4 | $ 108,000 | $ 27,000 | $ 39,000 |
| Oldham County Texas | 4 | $ 300,000 | $ 75,000 | $ 77,000 |
| Curry County New Mexico | 3 | $ 281,000 | $ 93,000 | $ 38,000 |
| Armstrong County Texas | 3 | $ 178,000 | $ 59,000 | $ 216,000 |
| Castro County Texas | 3 | $ 384,000 | $ 128,000 | $ 29,000 |
| Jones County Texas | 3 | $ 28,000 | $ 9,000 | $ 20,000 |
| Ellis County Oklahoma | 2 | $ 16,000 | $ 8,000 | $ 57,000 |
| Briscoe County Texas | 2 | $ 98,000 | $ 49,000 | $ 51,000 |
| Collingsworth County Texas | 2 | $ 73,000 | $ 36,000 | $ 153,000 |
| Donley County Texas | 2 | $ 235,000 | $ 117,000 | $ 125,000 |
| Ector County Texas | 2 | $ 1,154,000 | $ 577,000 | $ 0 |
| Erath County Texas | 2 | $ 474,000 | $ 237,000 | $ 246,000 |
| Hansford County Texas | 2 | $ 16,000 | $ 8,000 | $ 76,000 |
| Hockley County Texas | 2 | $ 377,000 | $ 188,000 | $ 73,000 |
| Lynn County Texas | 2 | $ 235,000 | $ 117,000 | $ 38,000 |
| Motley County Texas | 2 | $ 67,000 | $ 33,000 | $ 61,000 |
| Roberts County Texas | 2 | $ 359,000 | $ 179,000 | $ 155,000 |
| Custer County Colorado | 1 | $ 164,000 | $ 164,000 | $ 119,000 |
| Summit County Colorado | 1 | $ 1,069,000 | $ 1,069,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Colfax County New Mexico | 1 | $ 130,000 | $ 130,000 | $ 453,000 |
| Lincoln County New Mexico | 1 | $ 148,000 | $ 148,000 | $ 130,000 |
| Roosevelt County New Mexico | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 1,150,000 | $ 1,150,000 | $ 0 |
| Caddo County Oklahoma | 1 | $ 221,000 | $ 221,000 | $ 178,000 |
| Comanche County Oklahoma | 1 | $ 3,435,000 | $ 3,435,000 | $ 0 |
| Bailey County Texas | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
| Baylor County Texas | 1 | $ 128,000 | $ 128,000 | $ 57,000 |
| Brazoria County Texas | 1 | $ 6,450,000 | $ 6,450,000 | $ 0 |
| Brewster County Texas | 1 | $ 287,000 | $ 287,000 | $ 130,000 |
| Chambers County Texas | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Ellis County Texas | 1 | $ 190,000 | $ 190,000 | $ 80,000 |
| Fort Bend County Texas | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Hall County Texas | 1 | $ 10,000 | $ 10,000 | $ 34,000 |
| Henderson County Texas | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Johnson County Texas | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Kaufman County Texas | 1 | $ 167,000 | $ 167,000 | $ 64,000 |
| Kendall County Texas | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Lipscomb County Texas | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Nueces County Texas | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Ochiltree County Texas | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Parmer County Texas | 1 | $ 123,000 | $ 123,000 | $ 37,000 |
| Scurry County Texas | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Smith County Texas | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Tom Green County Texas | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Wichita County Texas | 1 | $ 31,000 | $ 31,000 | $ 0 |
Mortgage Loan Application Detail Totals for Happy State Bank in 2016
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 | 1,046 | $240,172,000 | $229,000 | $15,800,000 | $70,000 | $3,452,000 |
| Home Improvement | 333 | $18,674,000 | $56,000 | $3,400,000 | $71,000 | $1,806,000 |
| Refinancing | 217 | $43,495,000 | $200,000 | $4,000,000 | $110,000 | $2,191,000 |
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 | 810 | $123,119,000 | $151,000 | $3,175,000 | $122,000 | $3,452,000 |
| Not applicable | 549 | $159,984,000 | $291,000 | $15,800,000 | $0 | $0 |
| Hispanic | 167 | $11,954,000 | $71,000 | $822,000 | $87,000 | $606,000 |
| Not Provided | 48 | $4,202,000 | $87,000 | $2,240,000 | $130,000 | $2,191,000 |
| Black or African American | 11 | $933,000 | $84,000 | $190,000 | $58,000 | $124,000 |
| Asian | 7 | $1,392,000 | $198,000 | $399,000 | $84,000 | $250,000 |
| American Indian or Alaskan Native | 4 | $757,000 | $189,000 | $281,000 | $141,000 | $261,000 |
| Native Hawaiin 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) | 1,449 | $279,463,000 | $192,000 | $15,800,000 | $77,000 | $3,452,000 |
| FHA-insured (Federal Housing Administration) | 107 | $14,906,000 | $139,000 | $271,000 | $64,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 33 | $7,287,000 | $220,000 | $431,000 | $89,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $685,000 | $97,000 | $144,000 | $54,000 | $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 | 1,283 | $261,257,000 | $203,000 | $15,800,000 | $75,000 | $2,191,000 |
| Application Withdrawn By Applicant | 121 | $21,091,000 | $174,000 | $1,001,000 | $112,000 | $606,000 |
| Application Denied By Financial Institution | 114 | $3,895,000 | $34,000 | $364,000 | $82,000 | $3,452,000 |
| Application Approved But Not Accepted | 58 | $14,529,000 | $250,000 | $3,500,000 | $40,000 | $410,000 |
| Loan Purchased By The Institution | 20 | $1,569,000 | $78,000 | $84,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2016 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.