One American Bank Mortgage Lending & HMDA Data, 2022
In 2022, One American Bank of Sioux Falls, SD reported 430 mortgage applications totaling $286.6 million, down 97% from 2021. The average application was for $666,534, and applicants reported an average income of $245,125. 40% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (60), Atlanta-Sandy Springs-Roswell, GA (59) and Washington-Arlington-Alexandria, DC-VA-MD-WV (57) (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 | 430 |
| Total Mortgage Loan Application Amount | $286,610,000 |
| Average Mortgage Loan Application Amount | $666,534 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $245,125 |
| Highest Applicant Income | $3,995,000 |
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Act (HMDA) records One American Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Maricopa, Arizona | 56 | $ 39,310,000 | $ 701,964 | $ 280,000 |
| Loudoun, Virginia | 21 | $ 14,905,000 | $ 709,761 | $ 189,000 |
| Chatham, Georgia | 20 | $ 6,010,000 | $ 300,500 | $ 378,000 |
| Cobb, Georgia | 18 | $ 6,960,000 | $ 386,666 | $ 186,000 |
| Fairfax, Virginia | 17 | $ 9,915,000 | $ 583,235 | $ 291,000 |
| Fulton, Georgia | 14 | $ 11,180,000 | $ 798,571 | $ 237,000 |
| King, Washington | 13 | $ 12,345,000 | $ 949,615 | $ 320,000 |
| Los Angeles, California | 8 | $ 8,860,000 | $ 1,107,500 | $ 0 |
| Alameda, California | 7 | $ 6,855,000 | $ 979,285 | $ 0 |
| Walton, Florida | 7 | $ 5,475,000 | $ 782,142 | $ 271,000 |
| District of Columbia, District Of Columbia | 6 | $ 4,830,000 | $ 805,000 | $ 207,000 |
| Cherokee, Georgia | 6 | $ 2,780,000 | $ 463,333 | $ 110,000 |
| DeKalb, Georgia | 6 | $ 5,640,000 | $ 940,000 | $ 137,000 |
| Prince William, Virginia | 6 | $ 3,040,000 | $ 506,666 | $ 128,000 |
| Orange, California | 5 | $ 3,655,000 | $ 731,000 | $ 54,000 |
| Riverside, California | 5 | $ 3,255,000 | $ 651,000 | $ 292,000 |
| San Diego, California | 5 | $ 5,255,000 | $ 1,051,000 | $ 136,000 |
| Forsyth, Georgia | 5 | $ 2,965,000 | $ 593,000 | $ 163,000 |
| Pinal, Arizona | 4 | $ 1,840,000 | $ 460,000 | $ 106,000 |
| Brevard, Florida | 4 | $ 1,990,000 | $ 497,500 | $ 281,000 |
| Lee, Florida | 4 | $ 2,120,000 | $ 530,000 | $ 106,000 |
| Okaloosa, Florida | 4 | $ 4,360,000 | $ 1,090,000 | $ 460,000 |
| Gwinnett, Georgia | 4 | $ 1,480,000 | $ 370,000 | $ 228,000 |
| Westchester, New York | 4 | $ 3,220,000 | $ 805,000 | $ 0 |
| Stafford, Virginia | 4 | $ 1,530,000 | $ 382,500 | $ 154,000 |
| Contra Costa, California | 3 | $ 3,365,000 | $ 1,121,666 | $ 0 |
| Santa Clara, California | 3 | $ 3,005,000 | $ 1,001,666 | $ 0 |
| Sonoma, California | 3 | $ 2,005,000 | $ 668,333 | $ 135,000 |
| Broward, Florida | 3 | $ 2,225,000 | $ 741,666 | $ 0 |
| Miami-Dade, Florida | 3 | $ 2,875,000 | $ 958,333 | $ 0 |
| Osceola, Florida | 3 | $ 1,485,000 | $ 495,000 | $ 0 |
| Putnam, Georgia | 3 | $ 2,795,000 | $ 931,666 | $ 270,000 |
| Kings, New York | 3 | $ 4,355,000 | $ 1,451,666 | $ 0 |
| Buncombe, North Carolina | 3 | $ 815,000 | $ 271,666 | $ 104,000 |
| Davis, Utah | 3 | $ 2,715,000 | $ 905,000 | $ 0 |
| Utah, Utah | 3 | $ 2,615,000 | $ 871,666 | $ 0 |
| Augusta, Virginia | 3 | $ 915,000 | $ 305,000 | $ 0 |
| Fresno, California | 2 | $ 850,000 | $ 425,000 | $ 60,000 |
| San Francisco, California | 2 | $ 3,460,000 | $ 1,730,000 | $ 0 |
| San Mateo, California | 2 | $ 1,190,000 | $ 595,000 | $ 131,000 |
| Santa Cruz, California | 2 | $ 1,820,000 | $ 910,000 | $ 0 |
| Ventura, California | 2 | $ 900,000 | $ 450,000 | $ 325,000 |
| Hartford, Connecticut | 2 | $ 960,000 | $ 480,000 | $ 235,000 |
| Hillsborough, Florida | 2 | $ 1,920,000 | $ 960,000 | $ 100,000 |
| Bartow, Georgia | 2 | $ 1,460,000 | $ 730,000 | $ 191,000 |
| Effingham, Georgia | 2 | $ 360,000 | $ 180,000 | $ 527,000 |
| Paulding, Georgia | 2 | $ 780,000 | $ 390,000 | $ 150,000 |
| Ada, Idaho | 2 | $ 630,000 | $ 315,000 | $ 84,000 |
| Kootenai, Idaho | 2 | $ 1,660,000 | $ 830,000 | $ 65,000 |
| Jefferson, Kentucky | 2 | $ 770,000 | $ 385,000 | $ 171,000 |
| Montgomery, Maryland | 2 | $ 1,780,000 | $ 890,000 | $ 364,000 |
| Washoe, Nevada | 2 | $ 1,470,000 | $ 735,000 | $ 0 |
| Multnomah, Oregon | 2 | $ 1,640,000 | $ 820,000 | $ 0 |
| Polk, Oregon | 2 | $ 1,530,000 | $ 765,000 | $ 0 |
| Washington, Oregon | 2 | $ 1,740,000 | $ 870,000 | $ 0 |
| Chester, Pennsylvania | 2 | $ 1,050,000 | $ 525,000 | $ 198,000 |
| Georgetown, South Carolina | 2 | $ 1,360,000 | $ 680,000 | $ 0 |
| Minnehaha, South Dakota | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Lubbock, Texas | 2 | $ 290,000 | $ 145,000 | $ 44,000 |
| Salt Lake, Utah | 2 | $ 1,170,000 | $ 585,000 | $ 0 |
| Henrico, Virginia | 2 | $ 840,000 | $ 420,000 | $ 0 |
| James City, Virginia | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Pierce, Washington | 2 | $ 1,730,000 | $ 865,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Pike, Alabama | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Coconino, Arizona | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| Pima, Arizona | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 485,000 | $ 485,000 | $ 146,000 |
| El Dorado, California | 1 | $ 1,065,000 | $ 1,065,000 | $ 0 |
| Imperial, California | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Marin, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Napa, California | 1 | $ 5,000 | $ 5,000 | $ 130,000 |
| Sacramento, California | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| San Bernardino, California | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Denver, Colorado | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Douglas, Colorado | 1 | $ 735,000 | $ 735,000 | $ 0 |
| El Paso, Colorado | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Larimer, Colorado | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Pitkin, Colorado | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Summit, Colorado | 1 | $ 495,000 | $ 495,000 | $ 220,000 |
| Bradford, Florida | 1 | $ 185,000 | $ 185,000 | $ 329,000 |
| Citrus, Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Manatee, Florida | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Pinellas, Florida | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Seminole, Florida | 1 | $ 715,000 | $ 715,000 | $ 0 |
| St. Johns, Florida | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Barrow, Georgia | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Carroll, Georgia | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Columbia, Georgia | 1 | $ 615,000 | $ 615,000 | $ 641,000 |
| Fannin, Georgia | 1 | $ 525,000 | $ 525,000 | $ 701,000 |
| Franklin, Georgia | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Gordon, Georgia | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Long, Georgia | 1 | $ 375,000 | $ 375,000 | $ 77,000 |
| Lumpkin, Georgia | 1 | $ 255,000 | $ 255,000 | $ 281,000 |
| Troup, Georgia | 1 | $ 375,000 | $ 375,000 | $ 196,000 |
| White, Georgia | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Cook, Illinois | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 665,000 | $ 665,000 | $ 125,000 |
| Howard, Maryland | 1 | $ 865,000 | $ 865,000 | $ 209,000 |
| Worcester, Maryland | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Dodge, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Jackson, Missouri | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Gallatin, Montana | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Ravalli, Montana | 1 | $ 65,000 | $ 65,000 | $ 118,000 |
| Clark, Nevada | 1 | $ 575,000 | $ 575,000 | $ 159,000 |
| Essex, New Jersey | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Morris, New Jersey | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Erie, New York | 1 | $ 205,000 | $ 205,000 | $ 282,000 |
| Putnam, New York | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Dare, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 303,000 |
| Orange, North Carolina | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Union, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 150,000 |
| Wake, North Carolina | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Watauga, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 113,000 |
| Clackamas, Oregon | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Hood River, Oregon | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Lane, Oregon | 1 | $ 145,000 | $ 145,000 | $ 192,000 |
| Beaufort, South Carolina | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 2,505,000 | $ 2,505,000 | $ 621,000 |
| Charleston, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Lexington, South Carolina | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| York, South Carolina | 1 | $ 805,000 | $ 805,000 | $ 0 |
| McCook, South Dakota | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Davidson, Tennessee | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| Cameron, Texas | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Collin, Texas | 1 | $ 615,000 | $ 615,000 | $ 212,000 |
| Denton, Texas | 1 | $ 645,000 | $ 645,000 | $ 131,000 |
| Fort Bend, Texas | 1 | $ 245,000 | $ 245,000 | $ 138,000 |
| Travis, Texas | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Summit, Utah | 1 | $ 1,995,000 | $ 1,995,000 | $ 1,332,000 |
| Weber, Utah | 1 | $ 1,585,000 | $ 1,585,000 | $ 0 |
| Arlington, Virginia | 1 | $ 1,405,000 | $ 1,405,000 | $ 752,000 |
| Fauquier, Virginia | 1 | $ 755,000 | $ 755,000 | $ 210,000 |
| Manassas, Virginia | 1 | $ 525,000 | $ 525,000 | $ 100,000 |
| Pulaski, Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 1,235,000 | $ 1,235,000 | $ 944,000 |
| Winchester, Virginia | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Chelan, Washington | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Clallam, Washington | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Clark, Washington | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Island, Washington | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Kitsap, Washington | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Lewis, Washington | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Washburn, 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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