Herring Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Herring Bank 2015 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 | Herring Bank 2201 Civic Circle Amarillo, TX 79109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 594 |
| Total Mortgage Loan Application Amount | $87,930,000 |
| Average Mortgage Loan Application Amount | $118,666 |
| Highest Mortgage Loan Application Amount | $1,946,000 |
| Average Applicant Income | $89,666 |
| Highest Applicant Income | $3,569,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Herring 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 Herring Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Herring 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 Herring Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Herring 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 Herring Bank's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wichita County Texas | 85 | $ 9,626,000 | $ 113,000 | $ 69,000 |
| Randall County Texas | 39 | $ 6,108,000 | $ 156,000 | $ 75,000 |
| Potter County Texas | 38 | $ 5,161,000 | $ 135,000 | $ 60,000 |
| Collin County Texas | 34 | $ 8,074,000 | $ 237,000 | $ 98,000 |
| Tarrant County Texas | 31 | $ 4,541,000 | $ 146,000 | $ 90,000 |
| Dallas County Texas | 30 | $ 4,404,000 | $ 146,000 | $ 93,000 |
| Jackson County Oklahoma | 26 | $ 1,603,000 | $ 61,000 | $ 68,000 |
| Harris County Texas | 26 | $ 4,604,000 | $ 177,000 | $ 108,000 |
| Wilbarger County Texas | 26 | $ 1,061,000 | $ 40,000 | $ 52,000 |
| Denton County Texas | 16 | $ 2,902,000 | $ 181,000 | $ 103,000 |
| Donley County Texas | 16 | $ 1,744,000 | $ 109,000 | $ 90,000 |
| Parker County Texas | 14 | $ 1,747,000 | $ 124,000 | $ 81,000 |
| El Paso County Colorado | 13 | $ 6,229,000 | $ 479,000 | $ 168,000 |
| Fort Bend County Texas | 12 | $ 2,407,000 | $ 200,000 | $ 119,000 |
| Oklahoma County Oklahoma | 10 | $ 1,292,000 | $ 129,000 | $ 422,000 |
| Baylor County Texas | 10 | $ 455,000 | $ 45,000 | $ 47,000 |
| Tulsa County Oklahoma | 9 | $ 1,448,000 | $ 160,000 | $ 101,000 |
| Bexar County Texas | 5 | $ 587,000 | $ 117,000 | $ 61,000 |
| Arapahoe County Colorado | 4 | $ 560,000 | $ 140,000 | $ 72,000 |
| Clay County Texas | 4 | $ 451,000 | $ 112,000 | $ 54,000 |
| Galveston County Texas | 4 | $ 701,000 | $ 175,000 | $ 134,000 |
| Grayson County Texas | 4 | $ 964,000 | $ 241,000 | $ 125,000 |
| Hutchinson County Texas | 4 | $ 352,000 | $ 88,000 | $ 57,000 |
| Montgomery County Texas | 4 | $ 951,000 | $ 237,000 | $ 144,000 |
| Cleveland County Oklahoma | 3 | $ 598,000 | $ 199,000 | $ 138,000 |
| Burleson County Texas | 3 | $ 512,000 | $ 170,000 | $ 111,000 |
| Jefferson County Texas | 3 | $ 411,000 | $ 137,000 | $ 103,000 |
| Lubbock County Texas | 3 | $ 324,000 | $ 108,000 | $ 72,000 |
| Nueces County Texas | 3 | $ 460,000 | $ 153,000 | $ 121,000 |
| Taylor County Texas | 3 | $ 431,000 | $ 143,000 | $ 80,000 |
| Travis County Texas | 3 | $ 455,000 | $ 151,000 | $ 80,000 |
| Baldwin County Alabama | 2 | $ 644,000 | $ 322,000 | $ 105,000 |
| Palm Beach County Florida | 2 | $ 407,000 | $ 203,000 | $ 84,000 |
| Beauregard County Louisiana | 2 | $ 410,000 | $ 205,000 | $ 85,000 |
| Vernon County Louisiana | 2 | $ 351,000 | $ 175,000 | $ 68,000 |
| Comanche County Oklahoma | 2 | $ 253,000 | $ 126,000 | $ 30,000 |
| Kay County Oklahoma | 2 | $ 122,000 | $ 61,000 | $ 53,000 |
| Archer County Texas | 2 | $ 167,000 | $ 83,000 | $ 60,000 |
| Bell County Texas | 2 | $ 276,000 | $ 138,000 | $ 98,000 |
| Comal County Texas | 2 | $ 570,000 | $ 285,000 | $ 99,000 |
| Erath County Texas | 2 | $ 728,000 | $ 364,000 | $ 67,000 |
| Gray County Texas | 2 | $ 169,000 | $ 84,000 | $ 49,000 |
| Hardeman County Texas | 2 | $ 76,000 | $ 38,000 | $ 99,000 |
| Hidalgo County Texas | 2 | $ 146,000 | $ 73,000 | $ 91,000 |
| Johnson County Texas | 2 | $ 334,000 | $ 167,000 | $ 108,000 |
| Moore County Texas | 2 | $ 242,000 | $ 121,000 | $ 46,000 |
| Rockwall County Texas | 2 | $ 720,000 | $ 360,000 | $ 171,000 |
| Washington County Texas | 2 | $ 195,000 | $ 97,000 | $ 23,000 |
| Wheeler County Texas | 2 | $ 223,000 | $ 111,000 | $ 135,000 |
| Williamson County Texas | 2 | $ 736,000 | $ 368,000 | $ 161,000 |
| Wise County Texas | 2 | $ 96,000 | $ 48,000 | $ 49,000 |
| Young County Texas | 2 | $ 219,000 | $ 109,000 | $ 61,000 |
| Zapata County Texas | 2 | $ 238,000 | $ 119,000 | $ 60,000 |
| Los Angeles County California | 1 | $ 441,000 | $ 441,000 | $ 94,000 |
| San Diego County California | 1 | $ 248,000 | $ 248,000 | $ 97,000 |
| Boulder County Colorado | 1 | $ 324,000 | $ 324,000 | $ 95,000 |
| Denver County Colorado | 1 | $ 74,000 | $ 74,000 | $ 172,000 |
| Douglas County Colorado | 1 | $ 375,000 | $ 375,000 | $ 350,000 |
| Jefferson County Colorado | 1 | $ 370,000 | $ 370,000 | $ 147,000 |
| La Plata County Colorado | 1 | $ 240,000 | $ 240,000 | $ 67,000 |
| Logan County Colorado | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Pueblo County Colorado | 1 | $ 198,000 | $ 198,000 | $ 49,000 |
| Weld County Colorado | 1 | $ 199,000 | $ 199,000 | $ 55,000 |
| Claiborne County Louisiana | 1 | $ 140,000 | $ 140,000 | $ 57,000 |
| San Juan County New Mexico | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Cuyahoga County Ohio | 1 | $ 76,000 | $ 76,000 | $ 65,000 |
| Hancock County Ohio | 1 | $ 136,000 | $ 136,000 | $ 79,000 |
| Lake County Ohio | 1 | $ 96,000 | $ 96,000 | $ 28,000 |
| Portage County Ohio | 1 | $ 165,000 | $ 165,000 | $ 119,000 |
| Scioto County Ohio | 1 | $ 113,000 | $ 113,000 | $ 56,000 |
| Wood County Ohio | 1 | $ 137,000 | $ 137,000 | $ 74,000 |
| Beckham County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Canadian County Oklahoma | 1 | $ 101,000 | $ 101,000 | $ 149,000 |
| Carter County Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| Creek County Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Custer County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Delaware County Oklahoma | 1 | $ 350,000 | $ 350,000 | $ 80,000 |
| Garfield County Oklahoma | 1 | $ 127,000 | $ 127,000 | $ 130,000 |
| Grady County Oklahoma | 1 | $ 158,000 | $ 158,000 | $ 47,000 |
| Greer County Oklahoma | 1 | $ 58,000 | $ 58,000 | $ 104,000 |
| Le Flore County Oklahoma | 1 | $ 192,000 | $ 192,000 | $ 237,000 |
| Mayes County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Pontotoc County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Pottawatomie County Oklahoma | 1 | $ 76,000 | $ 76,000 | $ 84,000 |
| Rogers County Oklahoma | 1 | $ 144,000 | $ 144,000 | $ 121,000 |
| Tillman County Oklahoma | 1 | $ 73,000 | $ 73,000 | $ 82,000 |
| Newberry County South Carolina | 1 | $ 218,000 | $ 218,000 | $ 123,000 |
| York County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 69,000 |
| Armstrong County Texas | 1 | $ 27,000 | $ 27,000 | $ 39,000 |
| Bastrop County Texas | 1 | $ 102,000 | $ 102,000 | $ 51,000 |
| Bowie County Texas | 1 | $ 56,000 | $ 56,000 | $ 52,000 |
| Brazoria County Texas | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Brazos County Texas | 1 | $ 167,000 | $ 167,000 | $ 87,000 |
| Briscoe County Texas | 1 | $ 82,000 | $ 82,000 | $ 70,000 |
| Castro County Texas | 1 | $ 67,000 | $ 67,000 | $ 36,000 |
| Coryell County Texas | 1 | $ 59,000 | $ 59,000 | $ 19,000 |
| El Paso County Texas | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Hall County Texas | 1 | $ 51,000 | $ 51,000 | $ 29,000 |
| Hamilton County Texas | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Hardin County Texas | 1 | $ 101,000 | $ 101,000 | $ 71,000 |
| Harrison County Texas | 1 | $ 115,000 | $ 115,000 | $ 183,000 |
| Hays County Texas | 1 | $ 190,000 | $ 190,000 | $ 82,000 |
| Hood County Texas | 1 | $ 114,000 | $ 114,000 | $ 103,000 |
| Hunt County Texas | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Lamar County Texas | 1 | $ 118,000 | $ 118,000 | $ 131,000 |
| Leon County Texas | 1 | $ 170,000 | $ 170,000 | $ 81,000 |
| Liberty County Texas | 1 | $ 204,000 | $ 204,000 | $ 131,000 |
| McLennan County Texas | 1 | $ 148,000 | $ 148,000 | $ 129,000 |
| Midland County Texas | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Mills County Texas | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Montague County Texas | 1 | $ 179,000 | $ 179,000 | $ 124,000 |
| Panola County Texas | 1 | $ 190,000 | $ 190,000 | $ 66,000 |
| Polk County Texas | 1 | $ 107,000 | $ 107,000 | $ 227,000 |
| Scurry County Texas | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Somervell County Texas | 1 | $ 251,000 | $ 251,000 | $ 88,000 |
| Upshur County Texas | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| Walker County Texas | 1 | $ 121,000 | $ 121,000 | $ 90,000 |
| Webb County Texas | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Herring Bank in 2015
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 | 368 | $54,858,000 | $149,000 | $639,000 | $84,000 | $385,000 |
| Refinancing | 200 | $31,824,000 | $159,000 | $1,946,000 | $102,000 | $3,569,000 |
| Home Improvement | 26 | $1,248,000 | $48,000 | $186,000 | $83,000 | $290,000 |
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 | 394 | $60,280,000 | $152,000 | $1,946,000 | $98,000 | $3,569,000 |
| Hispanic | 70 | $7,511,000 | $107,000 | $372,000 | $61,000 | $192,000 |
| Not Provided | 67 | $9,849,000 | $147,000 | $498,000 | $89,000 | $227,000 |
| Black or African American | 24 | $3,255,000 | $135,000 | $441,000 | $70,000 | $247,000 |
| Asian | 20 | $4,653,000 | $232,000 | $540,000 | $128,000 | $367,000 |
| Not applicable | 16 | $2,088,000 | $130,000 | $639,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $187,000 | $93,000 | $133,000 | $57,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $107,000 | $107,000 | $107,000 | $40,000 | $40,000 |
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) | 401 | $59,860,000 | $149,000 | $1,946,000 | $100,000 | $3,569,000 |
| FHA-insured (Federal Housing Administration) | 161 | $22,019,000 | $136,000 | $329,000 | $68,000 | $253,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,966,000 | $192,000 | $498,000 | $71,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $39,000 | $39,000 |
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 | 403 | $61,163,000 | $151,000 | $639,000 | $94,000 | $3,569,000 |
| Application Withdrawn By Applicant | 90 | $14,273,000 | $158,000 | $880,000 | $99,000 | $350,000 |
| Application Denied By Financial Institution | 77 | $9,032,000 | $117,000 | $1,946,000 | $61,000 | $553,000 |
| Application Approved But Not Accepted | 23 | $3,398,000 | $147,000 | $548,000 | $84,000 | $186,000 |
| File Closed For Incompleteness | 1 | $64,000 | $64,000 | $64,000 | $28,000 | $28,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 Herring Bank's 2015 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 Herring 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.