Happy State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Happy State Bank 2018 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 | 1,683 |
| Total Mortgage Loan Application Amount | $409,065,000 |
| Average Mortgage Loan Application Amount | $181,500 |
| Highest Mortgage Loan Application Amount | $34,965,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $2,927,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 468 | $ 86,040,000 | $ 183,000 | $ 108,000 |
| Tarrant County Texas | 228 | $ 63,290,000 | $ 277,000 | $ 121,000 |
| Potter County Texas | 226 | $ 33,150,000 | $ 146,000 | $ 91,000 |
| Lubbock County Texas | 108 | $ 21,490,000 | $ 198,000 | $ 147,000 |
| Dallas County Texas | 105 | $ 49,485,000 | $ 471,000 | $ 205,000 |
| Hutchinson County Texas | 95 | $ 10,355,000 | $ 109,000 | $ 86,000 |
| Taylor County Texas | 51 | $ 5,085,000 | $ 99,000 | $ 95,000 |
| Moore County Texas | 34 | $ 3,950,000 | $ 116,000 | $ 85,000 |
| Gray County Texas | 33 | $ 3,365,000 | $ 101,000 | $ 76,000 |
| Carson County Texas | 21 | $ 2,575,000 | $ 122,000 | $ 121,000 |
| Collin County Texas | 18 | $ 42,390,000 | $ 2,355,000 | $ 259,000 |
| Parker County Texas | 15 | $ 4,735,000 | $ 315,000 | $ 194,000 |
| Hemphill County Texas | 14 | $ 1,810,000 | $ 129,000 | $ 94,000 |
| Denton County Texas | 13 | $ 5,465,000 | $ 420,000 | $ 176,000 |
| Hale County Texas | 13 | $ 2,055,000 | $ 158,000 | $ 59,000 |
| Wheeler County Texas | 12 | $ 900,000 | $ 75,000 | $ 67,000 |
| Grayson County Texas | 11 | $ 3,715,000 | $ 337,000 | $ 74,000 |
| Dallam County Texas | 10 | $ 1,530,000 | $ 153,000 | $ 56,000 |
| Lamb County Texas | 10 | $ 740,000 | $ 74,000 | $ 60,000 |
| Deaf Smith County Texas | 9 | $ 1,505,000 | $ 167,000 | $ 77,000 |
| Hartley County Texas | 8 | $ 1,470,000 | $ 183,000 | $ 124,000 |
| Harris County Texas | 7 | $ 29,135,000 | $ 4,162,000 | $ 0 |
| McLennan County Texas | 7 | $ 3,235,000 | $ 462,000 | $ 271,000 |
| Sherman County Texas | 7 | $ 705,000 | $ 100,000 | $ 70,000 |
| Donley County Texas | 6 | $ 780,000 | $ 130,000 | $ 88,000 |
| Floyd County Texas | 6 | $ 310,000 | $ 51,000 | $ 55,000 |
| Oldham County Texas | 6 | $ 900,000 | $ 150,000 | $ 118,000 |
| Parmer County Texas | 6 | $ 610,000 | $ 101,000 | $ 60,000 |
| Briscoe County Texas | 5 | $ 255,000 | $ 51,000 | $ 63,000 |
| Ellis County Texas | 5 | $ 1,145,000 | $ 229,000 | $ 80,000 |
| Hall County Texas | 5 | $ 315,000 | $ 63,000 | $ 47,000 |
| Hood County Texas | 5 | $ 1,335,000 | $ 267,000 | $ 110,000 |
| Johnson County Texas | 5 | $ 735,000 | $ 147,000 | $ 47,000 |
| Nueces County Texas | 5 | $ 1,115,000 | $ 223,000 | $ 610,000 |
| Swisher County Texas | 5 | $ 545,000 | $ 109,000 | $ 51,000 |
| Armstrong County Texas | 4 | $ 400,000 | $ 100,000 | $ 64,000 |
| Hansford County Texas | 4 | $ 390,000 | $ 97,000 | $ 47,000 |
| Jones County Texas | 4 | $ 320,000 | $ 80,000 | $ 47,000 |
| Wichita County Texas | 4 | $ 340,000 | $ 85,000 | $ 60,000 |
| Cooke County Texas | 3 | $ 335,000 | $ 111,000 | $ 75,000 |
| Galveston County Texas | 3 | $ 625,000 | $ 208,000 | $ 148,000 |
| Ochiltree County Texas | 3 | $ 675,000 | $ 225,000 | $ 112,000 |
| Scurry County Texas | 3 | $ 105,000 | $ 35,000 | $ 79,000 |
| Travis County Texas | 3 | $ 965,000 | $ 321,000 | $ 201,000 |
| Lincoln County New Mexico | 2 | $ 170,000 | $ 85,000 | $ 86,000 |
| Santa Fe County New Mexico | 2 | $ 720,000 | $ 360,000 | $ 436,000 |
| Bexar County Texas | 2 | $ 190,000 | $ 95,000 | $ 57,000 |
| Hays County Texas | 2 | $ 770,000 | $ 385,000 | $ 94,000 |
| Montague County Texas | 2 | $ 530,000 | $ 265,000 | $ 87,000 |
| Motley County Texas | 2 | $ 90,000 | $ 45,000 | $ 35,000 |
| Navarro County Texas | 2 | $ 290,000 | $ 145,000 | $ 120,000 |
| Roberts County Texas | 2 | $ 300,000 | $ 150,000 | $ 108,000 |
| Tom Green County Texas | 2 | $ 470,000 | $ 235,000 | $ 135,000 |
| Boulder County Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 185,000 | $ 185,000 | $ 0 |
| El Paso County Colorado | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Alachua County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Collier County Florida | 1 | $ 395,000 | $ 395,000 | $ 56,000 |
| Walton County Florida | 1 | $ 735,000 | $ 735,000 | $ 1,198,000 |
| Richmond County Georgia | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Cook County Illinois | 1 | $ 265,000 | $ 265,000 | $ 533,000 |
| Anne Arundel County Maryland | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Colfax County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Mora County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 107,000 |
| Roosevelt County New Mexico | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Taos County New Mexico | 1 | $ 215,000 | $ 215,000 | $ 148,000 |
| Canadian County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Carter County Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 214,000 |
| Cleveland County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 101,000 |
| Oklahoma County Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Roger Mills County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 153,000 |
| Rogers County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Texas County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 307,000 |
| Knox County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Bailey County Texas | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Bosque County Texas | 1 | $ 995,000 | $ 995,000 | $ 1,156,000 |
| Caldwell County Texas | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Castro County Texas | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| Edwards County Texas | 1 | $ 225,000 | $ 225,000 | $ 131,000 |
| El Paso County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Haskell County Texas | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Hockley County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Howard County Texas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Hunt County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jefferson County Texas | 1 | $ 5,085,000 | $ 5,085,000 | $ 0 |
| Lynn County Texas | 1 | $ 205,000 | $ 205,000 | $ 189,000 |
| Montgomery County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 575,000 | $ 575,000 | $ 417,000 |
| Rains County Texas | 1 | $ 185,000 | $ 185,000 | $ 161,000 |
| Rockwall County Texas | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Shackelford County Texas | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Smith County Texas | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Ward County Texas | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Webb County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Wise County Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 335,000 | $ 335,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Happy State Bank in 2018
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 | 1,366 | $341,180,000 | $249,000 | $34,965,000 | $110,000 | $2,665,000 |
| Refinancing | 150 | $38,680,000 | $257,000 | $3,905,000 | $103,000 | $601,000 |
| Cash-out Refinancing | 64 | $14,340,000 | $224,000 | $1,655,000 | $173,000 | $2,927,000 |
| Home Improvement | 54 | $10,440,000 | $193,000 | $3,005,000 | $136,000 | $648,000 |
| Other Purpose | 45 | $4,125,000 | $91,000 | $395,000 | $66,000 | $167,000 |
| Not Applicable | 4 | $300,000 | $75,000 | $105,000 | $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 | 785 | $148,605,000 | $189,000 | $1,725,000 | $125,000 | $2,927,000 |
| Not applicable | 436 | $182,590,000 | $418,000 | $34,965,000 | $0 | $0 |
| Hispanic | 272 | $34,140,000 | $125,000 | $935,000 | $73,000 | $1,026,000 |
| Not Provided | 112 | $25,560,000 | $228,000 | $1,565,000 | $124,000 | $983,000 |
| Black or African American | 40 | $7,400,000 | $185,000 | $755,000 | $74,000 | $300,000 |
| Asian | 25 | $4,945,000 | $197,000 | $885,000 | $133,000 | $1,198,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $550,000 | $275,000 | $315,000 | $82,000 | $94,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $70,000 | $70,000 |
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) | 1,419 | $368,435,000 | $259,000 | $34,965,000 | $124,000 | $2,927,000 |
| FHA-insured (Federal Housing Administration) | 178 | $25,640,000 | $144,000 | $325,000 | $68,000 | $179,000 |
| VA-guaranteed (Veterans Administration) | 56 | $11,700,000 | $208,000 | $535,000 | $86,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,290,000 | $109,000 | $205,000 | $56,000 | $115,000 |
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 | 1,071 | $295,095,000 | $275,000 | $34,965,000 | $131,000 | $2,927,000 |
| Application Denied By Financial Institution | 170 | $33,410,000 | $196,000 | $9,245,000 | $73,000 | $1,198,000 |
| Application Approved But Not Accepted | 146 | $26,570,000 | $181,000 | $3,235,000 | $101,000 | $665,000 |
| Application Withdrawn By Applicant | 120 | $23,800,000 | $198,000 | $2,105,000 | $111,000 | $601,000 |
| Preapproval Approved but not Accepted | 76 | $13,590,000 | $178,000 | $565,000 | $86,000 | $314,000 |
| File Closed For Incompleteness | 60 | $11,090,000 | $184,000 | $1,505,000 | $95,000 | $533,000 |
| Preapproval Denied by Financial Institution | 36 | $5,210,000 | $144,000 | $665,000 | $58,000 | $125,000 |
| Loan Purchased By The Institution | 4 | $300,000 | $75,000 | $105,000 | $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 | 1,477 | $370,445,000 | $250,000 | $34,965,000 | $120,000 | $2,927,000 |
| Credit History | 95 | $11,575,000 | $121,000 | $665,000 | $67,000 | $184,000 |
| Debt-To-Income Ratio | 67 | $9,675,000 | $144,000 | $525,000 | $52,000 | $223,000 |
| Other | 15 | $12,985,000 | $865,000 | $9,245,000 | $202,000 | $1,198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,205,000 | $147,000 | $455,000 | $76,000 | $168,000 |
| Collateral | 6 | $790,000 | $131,000 | $285,000 | $41,000 | $72,000 |
| Employment History | 5 | $565,000 | $113,000 | $205,000 | $63,000 | $101,000 |
| Unverifiable Information | 3 | $825,000 | $275,000 | $605,000 | $36,000 | $48,000 |
| 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 2018 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.