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At Happy State Bank, a division of Centennial Bank, we have many loan options to choose from. That’s why we provide you with options on finding the perfect loan for your needs. Browse our list of options and compare to determine what fits your situation the best. Mortgage

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Start Your Application

The first step is to fill out an application. You can do this by working with a Mortgage Loan Originator at your local branch or by applying online.

Start Your Application

Gather Information

There are some documents that you will need to gather to go with your application

Residence history for the last two years

Employment history for the last two years

Income information for the last two years

Year to date pay stub

W2s for the last two years

Tax returns for the last two years

Deposit, Retirement and Equities account information

Real Estate information

Gather Information

Underwriting

Our underwriting team will work to review everything.

Once we have your application and all of the documents that are needed, our underwriting team will work to review everything that has been provided. At this time, we will also ensure that we have answered all your questions and make sure that we have all the documents needed based on your specific financial need.

Underwriting

Sign Your Closing Papers

Once your loan is finalized, we will send you closing disclosures to review.

 These disclosures will include the final third-party costs, mortgage balance, and prepaid costs. We will work with you to schedule the closing and get all necessary documents signed.

Sign Your Closing Papers

Manage Your Application

We make managing your mortgage application simple.

You can use our Simply Happy mortgage app to manage your mortgage application from anywhere.

Manage Your Application

Manage your money on your terms

Homeownership Hub

Become more knowledgeable about the homebuying process.

Home Equity Loan

Consolidate debt, invest in your dreams, and more – all with a Home Equity loan from Happy Mortgage.

Mortgage Loan Originators

Our loan officers are here to help with all of your mortgage needs. Find a Mortgage Loan Originator near you.

Originators

Spanish Speaking Originators

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Mortgage Programs

Affinity Programs
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Home Builder Program
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Physicians Program
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Preapproval
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Secure Refi Credit Program
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Refinance
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Simply Happy Mortgage App

Our Simply Happy mortgage app allows you to easily apply for a home loan, securely upload documents, message your loan originator, and manage your mortgage from anywhere.

Learn More

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Applicants

Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

Employment at Home BancShares, Inc. is "at-will." "At-will" means employees are free to resign at any time, with or without cause. Likewise, "at-will" means Home BancShares, Inc. may terminate employment at any time, with or without cause or advance notice. No supervisor or representative of HBI has any authority to enter into any agreement for employment for any specified period of time, or to make any agreement contrary to HBI's employment-at-will policy. This policy may not be changed without the express written approval of the Board of Directors or its designated representatives.

Click here to view Know Your Rights: Workplace Discrimination is Illegal provided by the EEOC.

Pay Transparency Nondiscrimination Poster provided by the OFCCP. Note: as of 3/6/2025, the OFCCP is reconfiguring their website.

Click here to view Workplace Posters provided by the US Department of Labor.

If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732 or by email at hr@my100bank.com.

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Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Happy State Bank has been working with a third party accessibility specialist and has had its website live user tested by a visually impaired individual to make sure the website is accessible. Accessibility is an ongoing goal of Happy State Bank.

If you have difficulty accessing features or functions on this website, please email us at info@happybank.com during regular business hours and we will work with you to provide the information you seek.

By clicking the “I Understand – Continue” button, you will be re-directed to a new website. The site to which you will be connected has its own accessibility, security and privacy policies and may provide less accessibility and/or security than the current site. Happy State Bank has no control over, and takes no responsibility for the content or performance of any linked website.