One American Bank Mortgage Lending & HMDA Data, 2023
In 2023, One American Bank of Sioux Falls, SD reported 21 mortgage applications totaling $6.2 million, down 95% from 2022. The average application was for $295,476, and applicants reported an average income of $166,950. 29% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (2), Blacksburg-Christiansburg-Radford, VA (1) and Boise City, ID (1) (applications in parentheses).
| Mortgage Company & Address | One American Bank 515 S Minnesota Ave Sioux Falls, SD 57104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 |
| Total Number of Mortgage Applications | 21 |
| Total Mortgage Loan Application Amount | $6,205,000 |
| Average Mortgage Loan Application Amount | $295,476 |
| Highest Mortgage Loan Application Amount | $2,875,000 |
| Average Applicant Income | $166,950 |
| Highest Applicant Income | $385,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records One American Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pima, Arizona | 1 | $ 165,000 | $ 165,000 | $ 285,000 |
| Sacramento, California | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| San Bernardino, California | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
| San Joaquin, California | 1 | $ 215,000 | $ 215,000 | $ 200,000 |
| Santa Barbara, California | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Sonoma, California | 1 | $ 235,000 | $ 235,000 | $ 200,000 |
| Adams, Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fulton, Georgia | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Gwinnett, Georgia | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Ada, Idaho | 1 | $ 585,000 | $ 585,000 | $ 198,000 |
| Clark, Nevada | 1 | $ 65,000 | $ 65,000 | $ 156,000 |
| Burlington, New Jersey | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Essex, New Jersey | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
| Rio Arriba, New Mexico | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Currituck, North Carolina | 1 | $ 2,875,000 | $ 2,875,000 | $ 0 |
| Bristol, Rhode Island | 1 | $ 175,000 | $ 175,000 | $ 385,000 |
| Bexar, Texas | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Cameron, Texas | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Harris, Texas | 1 | $ 155,000 | $ 155,000 | $ 300,000 |
| Pulaski, Virginia | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for One American Bank in 2023
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 15 | $2,015,000 | $134,000 | $265,000 | $169,000 | $385,000 |
| Cash-out Refinancing | 3 | $845,000 | $281,000 | $585,000 | $172,000 | $200,000 |
| Refinancing | 2 | $470,000 | $235,000 | $405,000 | $144,000 | $144,000 |
| Home Purchase | 1 | $2,875,000 | $2,875,000 | $2,875,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 6 | $690,000 | $115,000 | $235,000 | $96,000 | $120,000 |
| White | 6 | $1,190,000 | $198,000 | $405,000 | $216,000 | $385,000 |
| Not Provided | 4 | $920,000 | $230,000 | $585,000 | $158,000 | $200,000 |
| Asian | 2 | $220,000 | $110,000 | $155,000 | $228,000 | $300,000 |
| Black or African American | 2 | $310,000 | $155,000 | $265,000 | $129,000 | $130,000 |
| Not applicable | 1 | $2,875,000 | $2,875,000 | $2,875,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 21 | $6,205,000 | $295,000 | $2,875,000 | $168,000 | $385,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 10 | $1,960,000 | $196,000 | $585,000 | $158,000 | $300,000 |
| Loan Originated | 6 | $890,000 | $148,000 | $235,000 | $205,000 | $385,000 |
| File Closed For Incompleteness | 2 | $260,000 | $130,000 | $235,000 | $120,000 | $120,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $130,000 | $130,000 |
| Application Denied By Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Loan Purchased By The Institution | 1 | $2,875,000 | $2,875,000 | $2,875,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 20 | $6,030,000 | $301,000 | $2,875,000 | $168,000 | $385,000 |
| Credit History | 1 | $175,000 | $175,000 | $175,000 | $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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One American Bank's 2023 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 One American 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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