One American Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
One American Bank 2022 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 | 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 | 430 |
| Total Mortgage Loan Application Amount | $286,610,000 |
| Average Mortgage Loan Application Amount | $586,400 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $244,800 |
| Highest Applicant Income | $3,995,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with One American 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 One American Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down One American 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 One American Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by One American 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 One American Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa County Arizona | 56 | $ 39,310,000 | $ 701,000 | $ 280,000 |
| Loudoun County Virginia | 21 | $ 14,905,000 | $ 709,000 | $ 189,000 |
| Chatham County Georgia | 20 | $ 6,010,000 | $ 300,000 | $ 378,000 |
| Cobb County Georgia | 18 | $ 6,960,000 | $ 386,000 | $ 186,000 |
| Fairfax County Virginia | 17 | $ 9,915,000 | $ 583,000 | $ 291,000 |
| Fulton County Georgia | 14 | $ 11,180,000 | $ 798,000 | $ 237,000 |
| King County Washington | 13 | $ 12,345,000 | $ 949,000 | $ 320,000 |
| Los Angeles County California | 8 | $ 8,860,000 | $ 1,107,000 | $ 0 |
| Alameda County California | 7 | $ 6,855,000 | $ 979,000 | $ 0 |
| Walton County Florida | 7 | $ 5,475,000 | $ 782,000 | $ 271,000 |
| District of Columbia County District Of Columbia | 6 | $ 4,830,000 | $ 805,000 | $ 207,000 |
| Cherokee County Georgia | 6 | $ 2,780,000 | $ 463,000 | $ 110,000 |
| DeKalb County Georgia | 6 | $ 5,640,000 | $ 940,000 | $ 137,000 |
| Prince William County Virginia | 6 | $ 3,040,000 | $ 506,000 | $ 128,000 |
| Orange County California | 5 | $ 3,655,000 | $ 731,000 | $ 54,000 |
| Riverside County California | 5 | $ 3,255,000 | $ 651,000 | $ 292,000 |
| San Diego County California | 5 | $ 5,255,000 | $ 1,051,000 | $ 136,000 |
| Forsyth County Georgia | 5 | $ 2,965,000 | $ 593,000 | $ 163,000 |
| Pinal County Arizona | 4 | $ 1,840,000 | $ 460,000 | $ 106,000 |
| Brevard County Florida | 4 | $ 1,990,000 | $ 497,000 | $ 281,000 |
| Lee County Florida | 4 | $ 2,120,000 | $ 530,000 | $ 106,000 |
| Okaloosa County Florida | 4 | $ 4,360,000 | $ 1,090,000 | $ 460,000 |
| Gwinnett County Georgia | 4 | $ 1,480,000 | $ 370,000 | $ 228,000 |
| Westchester County New York | 4 | $ 3,220,000 | $ 805,000 | $ 0 |
| Stafford County Virginia | 4 | $ 1,530,000 | $ 382,000 | $ 154,000 |
| Contra Costa County California | 3 | $ 3,365,000 | $ 1,121,000 | $ 0 |
| Santa Clara County California | 3 | $ 3,005,000 | $ 1,001,000 | $ 0 |
| Sonoma County California | 3 | $ 2,005,000 | $ 668,000 | $ 135,000 |
| Broward County Florida | 3 | $ 2,225,000 | $ 741,000 | $ 0 |
| Miami-Dade County Florida | 3 | $ 2,875,000 | $ 958,000 | $ 0 |
| Osceola County Florida | 3 | $ 1,485,000 | $ 495,000 | $ 0 |
| Putnam County Georgia | 3 | $ 2,795,000 | $ 931,000 | $ 270,000 |
| Kings County New York | 3 | $ 4,355,000 | $ 1,451,000 | $ 0 |
| Buncombe County North Carolina | 3 | $ 815,000 | $ 271,000 | $ 104,000 |
| Davis County Utah | 3 | $ 2,715,000 | $ 905,000 | $ 0 |
| Utah County Utah | 3 | $ 2,615,000 | $ 871,000 | $ 0 |
| Augusta County Virginia | 3 | $ 915,000 | $ 305,000 | $ 0 |
| Fresno County California | 2 | $ 850,000 | $ 425,000 | $ 60,000 |
| San Francisco County California | 2 | $ 3,460,000 | $ 1,730,000 | $ 0 |
| San Mateo County California | 2 | $ 1,190,000 | $ 595,000 | $ 131,000 |
| Santa Cruz County California | 2 | $ 1,820,000 | $ 910,000 | $ 0 |
| Ventura County California | 2 | $ 900,000 | $ 450,000 | $ 325,000 |
| Hartford County Connecticut | 2 | $ 960,000 | $ 480,000 | $ 235,000 |
| Hillsborough County Florida | 2 | $ 1,920,000 | $ 960,000 | $ 100,000 |
| Bartow County Georgia | 2 | $ 1,460,000 | $ 730,000 | $ 191,000 |
| Effingham County Georgia | 2 | $ 360,000 | $ 180,000 | $ 527,000 |
| Paulding County Georgia | 2 | $ 780,000 | $ 390,000 | $ 150,000 |
| Ada County Idaho | 2 | $ 630,000 | $ 315,000 | $ 84,000 |
| Kootenai County Idaho | 2 | $ 1,660,000 | $ 830,000 | $ 65,000 |
| Jefferson County Kentucky | 2 | $ 770,000 | $ 385,000 | $ 171,000 |
| Montgomery County Maryland | 2 | $ 1,780,000 | $ 890,000 | $ 364,000 |
| Washoe County Nevada | 2 | $ 1,470,000 | $ 735,000 | $ 0 |
| Multnomah County Oregon | 2 | $ 1,640,000 | $ 820,000 | $ 0 |
| Polk County Oregon | 2 | $ 1,530,000 | $ 765,000 | $ 0 |
| Washington County Oregon | 2 | $ 1,740,000 | $ 870,000 | $ 0 |
| Chester County Pennsylvania | 2 | $ 1,050,000 | $ 525,000 | $ 198,000 |
| Georgetown County South Carolina | 2 | $ 1,360,000 | $ 680,000 | $ 0 |
| Minnehaha County South Dakota | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Lubbock County Texas | 2 | $ 290,000 | $ 145,000 | $ 44,000 |
| Salt Lake County Utah | 2 | $ 1,170,000 | $ 585,000 | $ 0 |
| Henrico County Virginia | 2 | $ 840,000 | $ 420,000 | $ 0 |
| James City County Virginia | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Pierce County Washington | 2 | $ 1,730,000 | $ 865,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Pike County Alabama | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Coconino County Arizona | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| Pima County Arizona | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 485,000 | $ 485,000 | $ 146,000 |
| El Dorado County California | 1 | $ 1,065,000 | $ 1,065,000 | $ 0 |
| Imperial County California | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Marin County California | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Napa County California | 1 | $ 5,000 | $ 5,000 | $ 130,000 |
| Sacramento County California | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| San Bernardino County California | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Denver County Colorado | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Douglas County Colorado | 1 | $ 735,000 | $ 735,000 | $ 0 |
| El Paso County Colorado | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Larimer County Colorado | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Summit County Colorado | 1 | $ 495,000 | $ 495,000 | $ 220,000 |
| Bradford County Florida | 1 | $ 185,000 | $ 185,000 | $ 329,000 |
| Citrus County Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Manatee County Florida | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Pinellas County Florida | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Seminole County Florida | 1 | $ 715,000 | $ 715,000 | $ 0 |
| St. Johns County Florida | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Baldwin County Georgia | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Barrow County Georgia | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Carroll County Georgia | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Columbia County Georgia | 1 | $ 615,000 | $ 615,000 | $ 641,000 |
| Fannin County Georgia | 1 | $ 525,000 | $ 525,000 | $ 701,000 |
| Franklin County Georgia | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Gordon County Georgia | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Long County Georgia | 1 | $ 375,000 | $ 375,000 | $ 77,000 |
| Lumpkin County Georgia | 1 | $ 255,000 | $ 255,000 | $ 281,000 |
| Troup County Georgia | 1 | $ 375,000 | $ 375,000 | $ 196,000 |
| White County Georgia | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Cook County Illinois | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 665,000 | $ 665,000 | $ 125,000 |
| Howard County Maryland | 1 | $ 865,000 | $ 865,000 | $ 209,000 |
| Worcester County Maryland | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Dodge County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Jackson County Missouri | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Gallatin County Montana | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Ravalli County Montana | 1 | $ 65,000 | $ 65,000 | $ 118,000 |
| Clark County Nevada | 1 | $ 575,000 | $ 575,000 | $ 159,000 |
| Essex County New Jersey | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Morris County New Jersey | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Erie County New York | 1 | $ 205,000 | $ 205,000 | $ 282,000 |
| Putnam County New York | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Dare County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 303,000 |
| Orange County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Union County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 150,000 |
| Wake County North Carolina | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 113,000 |
| Clackamas County Oregon | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Hood River County Oregon | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Lane County Oregon | 1 | $ 145,000 | $ 145,000 | $ 192,000 |
| Beaufort County South Carolina | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 2,505,000 | $ 2,505,000 | $ 621,000 |
| Charleston County South Carolina | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| York County South Carolina | 1 | $ 805,000 | $ 805,000 | $ 0 |
| McCook County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Davidson County Tennessee | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| Cameron County Texas | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Collin County Texas | 1 | $ 615,000 | $ 615,000 | $ 212,000 |
| Denton County Texas | 1 | $ 645,000 | $ 645,000 | $ 131,000 |
| Fort Bend County Texas | 1 | $ 245,000 | $ 245,000 | $ 138,000 |
| Travis County Texas | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Summit County Utah | 1 | $ 1,995,000 | $ 1,995,000 | $ 1,332,000 |
| Weber County Utah | 1 | $ 1,585,000 | $ 1,585,000 | $ 0 |
| Arlington County Virginia | 1 | $ 1,405,000 | $ 1,405,000 | $ 752,000 |
| Fauquier County Virginia | 1 | $ 755,000 | $ 755,000 | $ 210,000 |
| Manassas County Virginia | 1 | $ 525,000 | $ 525,000 | $ 100,000 |
| Pulaski County Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 1,235,000 | $ 1,235,000 | $ 944,000 |
| Winchester County Virginia | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Chelan County Washington | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Clallam County Washington | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Clark County Washington | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Island County Washington | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Kitsap County Washington | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Lewis County Washington | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Washburn County Wisconsin | 1 | $ 855,000 | $ 855,000 | $ 0 |
Mortgage Loan Application Detail Totals for One American Bank in 2022
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 | 307 | $209,695,000 | $683,000 | $2,505,000 | $234,000 | $2,763,000 |
| Refinancing | 48 | $41,140,000 | $857,000 | $2,105,000 | $384,000 | $3,995,000 |
| Other Purpose | 39 | $14,755,000 | $378,000 | $1,995,000 | $213,000 | $1,332,000 |
| Cash-out Refinancing | 31 | $19,015,000 | $613,000 | $2,455,000 | $187,000 | $400,000 |
| Home Improvement | 5 | $2,005,000 | $401,000 | $795,000 | $206,000 | $342,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 185 | $158,925,000 | $859,000 | $2,105,000 | $0 | $0 |
| White | 121 | $59,175,000 | $489,000 | $2,505,000 | $239,000 | $2,763,000 |
| Asian | 55 | $33,795,000 | $614,000 | $1,325,000 | $228,000 | $1,484,000 |
| Not Provided | 41 | $25,365,000 | $618,000 | $1,995,000 | $317,000 | $3,995,000 |
| Hispanic | 14 | $4,590,000 | $327,000 | $635,000 | $136,000 | $343,000 |
| Black or African American | 9 | $3,315,000 | $368,000 | $1,235,000 | $209,000 | $944,000 |
| American Indian or Alaskan Native | 2 | $290,000 | $145,000 | $145,000 | $44,000 | $46,000 |
| 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) | 418 | $280,580,000 | $671,000 | $2,505,000 | $245,000 | $3,995,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,875,000 | $267,000 | $405,000 | $106,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 5 | $4,155,000 | $831,000 | $1,215,000 | $163,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 185 | $158,925,000 | $859,000 | $2,105,000 | $0 | $0 |
| Loan Originated | 174 | $96,880,000 | $556,000 | $2,505,000 | $238,000 | $2,763,000 |
| Application Withdrawn By Applicant | 65 | $29,205,000 | $449,000 | $1,995,000 | $254,000 | $3,995,000 |
| Application Approved But Not Accepted | 3 | $1,115,000 | $371,000 | $505,000 | $192,000 | $360,000 |
| Application Denied By Financial Institution | 3 | $485,000 | $161,000 | $205,000 | $68,000 | $131,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 427 | $286,125,000 | $670,000 | $2,505,000 | $241,000 | $3,995,000 |
| Debt-To-Income Ratio | 3 | $485,000 | $161,000 | $205,000 | $68,000 | $131,000 |
| 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 |
| 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 One American Bank's 2022 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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