Herring Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Herring Bank 2020 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 | 382 |
| Total Mortgage Loan Application Amount | $84,810,000 |
| Average Mortgage Loan Application Amount | $151,800 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $129,000 |
| Highest Applicant Income | $1,446,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 79 | $ 16,875,000 | $ 213,000 | $ 105,000 |
| Potter County Texas | 37 | $ 7,145,000 | $ 193,000 | $ 147,000 |
| Collin County Texas | 28 | $ 8,330,000 | $ 297,000 | $ 157,000 |
| Tarrant County Texas | 27 | $ 6,205,000 | $ 229,000 | $ 118,000 |
| Dallas County Texas | 23 | $ 6,135,000 | $ 266,000 | $ 236,000 |
| Denton County Texas | 17 | $ 5,175,000 | $ 304,000 | $ 133,000 |
| Wilbarger County Texas | 17 | $ 1,305,000 | $ 76,000 | $ 141,000 |
| Parker County Texas | 12 | $ 2,150,000 | $ 179,000 | $ 81,000 |
| Wichita County Texas | 11 | $ 1,315,000 | $ 119,000 | $ 63,000 |
| Donley County Texas | 10 | $ 950,000 | $ 95,000 | $ 69,000 |
| Jackson County Oklahoma | 8 | $ 960,000 | $ 120,000 | $ 53,000 |
| El Paso County Colorado | 7 | $ 1,455,000 | $ 207,000 | $ 64,000 |
| Deaf Smith County Texas | 7 | $ 1,055,000 | $ 150,000 | $ 78,000 |
| Swisher County Texas | 7 | $ 865,000 | $ 123,000 | $ 61,000 |
| Comanche County Oklahoma | 6 | $ 1,320,000 | $ 220,000 | $ 74,000 |
| Hutchinson County Texas | 6 | $ 550,000 | $ 91,000 | $ 111,000 |
| Baylor County Texas | 5 | $ 275,000 | $ 55,000 | $ 97,000 |
| Moore County Texas | 5 | $ 1,265,000 | $ 253,000 | $ 170,000 |
| Grayson County Texas | 4 | $ 730,000 | $ 182,000 | $ 124,000 |
| Armstrong County Texas | 3 | $ 335,000 | $ 111,000 | $ 150,000 |
| Harris County Texas | 3 | $ 3,655,000 | $ 1,218,000 | $ 479,000 |
| Johnson County Texas | 3 | $ 605,000 | $ 201,000 | $ 100,000 |
| Lubbock County Texas | 3 | $ 1,255,000 | $ 418,000 | $ 314,000 |
| Fresno County California | 2 | $ 780,000 | $ 390,000 | $ 63,000 |
| Kern County California | 2 | $ 640,000 | $ 320,000 | $ 108,000 |
| Riverside County California | 2 | $ 1,210,000 | $ 605,000 | $ 1,378,000 |
| Pueblo County Colorado | 2 | $ 490,000 | $ 245,000 | $ 146,000 |
| Bonner County Idaho | 2 | $ 830,000 | $ 415,000 | $ 113,000 |
| Grady County Oklahoma | 2 | $ 400,000 | $ 200,000 | $ 73,000 |
| Oklahoma County Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 104,000 |
| Tillman County Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 70,000 |
| Briscoe County Texas | 2 | $ 160,000 | $ 80,000 | $ 52,000 |
| Ellis County Texas | 2 | $ 690,000 | $ 345,000 | $ 107,000 |
| Hale County Texas | 2 | $ 280,000 | $ 140,000 | $ 43,000 |
| Hood County Texas | 2 | $ 600,000 | $ 300,000 | $ 150,000 |
| Midland County Texas | 2 | $ 620,000 | $ 310,000 | $ 256,000 |
| Wise County Texas | 2 | $ 690,000 | $ 345,000 | $ 175,000 |
| Custer County Colorado | 1 | $ 345,000 | $ 345,000 | $ 240,000 |
| La Plata County Colorado | 1 | $ 505,000 | $ 505,000 | $ 89,000 |
| Charles County Maryland | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Curry County New Mexico | 1 | $ 345,000 | $ 345,000 | $ 348,000 |
| Greer County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Johnston County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Kiowa County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| McClain County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Fayette County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Bailey County Texas | 1 | $ 325,000 | $ 325,000 | $ 106,000 |
| Bexar County Texas | 1 | $ 225,000 | $ 225,000 | $ 169,000 |
| Brazoria County Texas | 1 | $ 355,000 | $ 355,000 | $ 176,000 |
| Castro County Texas | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Childress County Texas | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Clay County Texas | 1 | $ 445,000 | $ 445,000 | $ 457,000 |
| Cooke County Texas | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Foard County Texas | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Fort Bend County Texas | 1 | $ 375,000 | $ 375,000 | $ 280,000 |
| Gray County Texas | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Hockley County Texas | 1 | $ 515,000 | $ 515,000 | $ 195,000 |
| Oldham County Texas | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Panola County Texas | 1 | $ 265,000 | $ 265,000 | $ 154,000 |
| Rockwall County Texas | 1 | $ 425,000 | $ 425,000 | $ 178,000 |
| Travis County Texas | 1 | $ 185,000 | $ 185,000 | $ 492,000 |
| Van Zandt County Texas | 1 | $ 425,000 | $ 425,000 | $ 126,000 |
| Williamson County Texas | 1 | $ 165,000 | $ 165,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Herring 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 | 243 | $53,555,000 | $220,000 | $1,315,000 | $127,000 | $1,389,000 |
| Refinancing | 92 | $24,180,000 | $262,000 | $805,000 | $150,000 | $734,000 |
| Cash-out Refinancing | 32 | $6,390,000 | $199,000 | $515,000 | $158,000 | $1,446,000 |
| Home Improvement | 12 | $600,000 | $50,000 | $75,000 | $81,000 | $190,000 |
| Other Purpose | 3 | $85,000 | $28,000 | $35,000 | $129,000 | $269,000 |
| 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 | 259 | $56,495,000 | $218,000 | $805,000 | $119,000 | $734,000 |
| Hispanic | 52 | $10,690,000 | $205,000 | $1,085,000 | $99,000 | $502,000 |
| Asian | 23 | $8,945,000 | $388,000 | $1,315,000 | $422,000 | $1,446,000 |
| Not Provided | 18 | $4,530,000 | $251,000 | $515,000 | $118,000 | $240,000 |
| Not applicable | 17 | $1,665,000 | $97,000 | $315,000 | $0 | $0 |
| Black or African American | 12 | $2,380,000 | $198,000 | $355,000 | $90,000 | $295,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $53,000 | $53,000 |
| 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) | 306 | $70,070,000 | $228,000 | $1,315,000 | $149,000 | $1,446,000 |
| FHA-insured (Federal Housing Administration) | 57 | $9,625,000 | $168,000 | $405,000 | $62,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,890,000 | $271,000 | $685,000 | $97,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $225,000 | $225,000 | $225,000 | $72,000 | $72,000 |
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 | 332 | $74,900,000 | $225,000 | $1,315,000 | $129,000 | $1,371,000 |
| Application Withdrawn By Applicant | 21 | $5,095,000 | $242,000 | $795,000 | $202,000 | $1,389,000 |
| Application Approved But Not Accepted | 20 | $4,050,000 | $202,000 | $1,255,000 | $177,000 | $1,446,000 |
| Application Denied By Financial Institution | 9 | $765,000 | $85,000 | $215,000 | $65,000 | $140,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 382 | $84,810,000 | $222,000 | $1,315,000 | $134,000 | $1,446,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Herring 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 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.