One American Bank Mortgage Lending & HMDA Data, 2021
In 2021, One American Bank of Sioux Falls, SD reported 12,433 mortgage applications totaling $4.3 billion. The average application was for $344,271, and applicants reported an average income of $152,828. 67% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,174), Oakland-Hayward-Berkeley, CA (889) and Los Angeles-Long Beach-Glendale, CA (675) (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 | 12,433 |
| Total Mortgage Loan Application Amount | $4,280,325,000 |
| Average Mortgage Loan Application Amount | $344,271 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $152,828 |
| Highest Applicant Income | $3,840,000 |
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Act (HMDA) records One American Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Jose-Sunnyvale-Santa Clara, CA | 1,174 | $ 509,090,000 | $ 433,637 | $ 178,000 |
| Oakland-Hayward-Berkeley, CA | 889 | $ 385,455,000 | $ 433,582 | $ 184,000 |
| Los Angeles-Long Beach-Glendale, CA | 675 | $ 284,855,000 | $ 422,007 | $ 153,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 566 | $ 185,970,000 | $ 328,568 | $ 145,000 |
| Dallas-Plano-Irving, TX | 561 | $ 167,395,000 | $ 298,386 | $ 149,000 |
| Chicago-Naperville, IL | 512 | $ 128,880,000 | $ 251,718 | $ 154,000 |
| San Diego-Carlsbad, CA | 432 | $ 162,920,000 | $ 377,129 | $ 154,000 |
| Anaheim-Santa Ana-Irvine, CA | 383 | $ 163,935,000 | $ 428,028 | $ 178,000 |
| Cambridge-Newton-Framingham, MA | 287 | $ 98,995,000 | $ 344,930 | $ 159,000 |
| Riverside-San Bernardino-Ontario, CA | 286 | $ 91,190,000 | $ 318,846 | $ 134,000 |
| Phoenix-Mesa-Scottsdale, AZ | 278 | $ 82,560,000 | $ 296,978 | $ 155,000 |
| Denver-Aurora-Lakewood, CO | 277 | $ 87,555,000 | $ 316,083 | $ 144,000 |
| Outside any metro area | 277 | $ 77,745,000 | $ 280,667 | $ 139,693 |
| Seattle-Bellevue-Everett, WA | 273 | $ 107,535,000 | $ 393,901 | $ 164,000 |
| New York-Jersey City-White Plains, NY-NJ | 268 | $ 119,810,000 | $ 447,052 | $ 161,675 |
| Ogden-Clearfield, UT | 257 | $ 73,095,000 | $ 284,416 | $ 103,000 |
| San Francisco-Redwood City-South San Francisco, CA | 231 | $ 98,905,000 | $ 428,160 | $ 182,000 |
| Salt Lake City, UT | 230 | $ 73,400,000 | $ 319,130 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 221 | $ 79,905,000 | $ 361,561 | $ 153,144 |
| Boston, MA | 212 | $ 78,300,000 | $ 369,339 | $ 160,000 |
| Houston-The Woodlands-Sugar Land, TX | 184 | $ 48,230,000 | $ 262,119 | $ 151,000 |
| Atlanta-Sandy Springs-Roswell, GA | 183 | $ 58,905,000 | $ 321,885 | $ 140,000 |
| Stockton-Lodi, CA | 172 | $ 59,150,000 | $ 343,895 | $ 150,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 149 | $ 49,655,000 | $ 333,255 | $ 141,677 |
| New York-Newark, NY | 141 | $ 48,025,000 | $ 340,602 | $ 159,007 |
| Washington-Baltimore-Arlington, DC | 116 | $ 38,880,000 | $ 335,172 | $ 166,000 |
| Provo-Orem, UT | 113 | $ 36,625,000 | $ 324,115 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 111 | $ 27,245,000 | $ 245,450 | $ 165,000 |
| Worcester, MA-CT | 104 | $ 32,730,000 | $ 314,711 | $ 147,096 |
| Lake County-Kenosha County, IL-WI | 99 | $ 28,165,000 | $ 284,494 | $ 144,000 |
| Louisville/Jefferson County, KY-IN | 98 | $ 24,070,000 | $ 245,612 | $ 107,816 |
| Austin-Round Rock, TX | 95 | $ 29,695,000 | $ 312,578 | $ 149,000 |
| Nassau County-Suffolk County, NY | 93 | $ 38,185,000 | $ 410,591 | $ 205,000 |
| Fort Worth-Arlington, TX | 91 | $ 24,025,000 | $ 264,010 | $ 135,000 |
| Baltimore-Columbia-Towson, MD | 88 | $ 24,810,000 | $ 281,931 | $ 146,000 |
| Tampa-St. Petersburg-Clearwater, FL | 78 | $ 20,260,000 | $ 259,743 | $ 137,000 |
| Montgomery County-Bucks County-Chester County, PA | 71 | $ 20,735,000 | $ 292,042 | $ 141,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 68 | $ 26,730,000 | $ 393,088 | $ 145,000 |
| Hartford-West Hartford-East Hartford, CT | 62 | $ 15,990,000 | $ 257,903 | $ 118,000 |
| Raleigh, NC | 60 | $ 15,140,000 | $ 252,333 | $ 164,000 |
| Fresno, CA | 55 | $ 14,655,000 | $ 266,454 | $ 130,000 |
| Philadelphia, PA | 54 | $ 12,760,000 | $ 236,296 | $ 115,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 53 | $ 15,175,000 | $ 286,320 | $ 142,000 |
| Newark, NJ-PA | 50 | $ 18,350,000 | $ 367,000 | $ 159,020 |
| Vallejo-Fairfield, CA | 49 | $ 15,595,000 | $ 318,265 | $ 173,000 |
| Miami-Miami Beach-Kendall, FL | 48 | $ 12,760,000 | $ 265,833 | $ 159,000 |
| Pittsburgh, PA | 41 | $ 10,235,000 | $ 249,634 | $ 112,000 |
| Urban Honolulu, HI | 41 | $ 20,645,000 | $ 503,536 | $ 174,000 |
| Greenville-Anderson-Mauldin, SC | 40 | $ 9,080,000 | $ 227,000 | $ 92,000 |
| Providence-Warwick, RI-MA | 40 | $ 11,430,000 | $ 285,750 | $ 126,750 |
| Indianapolis-Carmel-Anderson, IN | 39 | $ 9,335,000 | $ 239,358 | $ 148,000 |
| Manchester-Nashua, NH | 38 | $ 8,610,000 | $ 226,578 | $ 141,000 |
| Santa Rosa, CA | 38 | $ 15,020,000 | $ 395,263 | $ 137,000 |
| Orlando-Kissimmee-Sanford, FL | 34 | $ 8,480,000 | $ 249,411 | $ 113,000 |
| Bridgeport-Stamford-Norwalk, CT | 32 | $ 9,780,000 | $ 305,625 | $ 127,000 |
| Elgin, IL | 32 | $ 7,170,000 | $ 224,062 | $ 98,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 32 | $ 8,590,000 | $ 268,437 | $ 112,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 31 | $ 8,215,000 | $ 265,000 | $ 115,000 |
| Colorado Springs, CO | 30 | $ 8,050,000 | $ 268,333 | $ 117,000 |
| Tacoma-Lakewood, WA | 30 | $ 9,510,000 | $ 317,000 | $ 161,000 |
| Columbia, SC | 29 | $ 7,215,000 | $ 248,793 | $ 102,000 |
| Tucson, AZ | 28 | $ 5,070,000 | $ 181,071 | $ 123,000 |
| Camden, NJ | 27 | $ 5,645,000 | $ 209,074 | $ 128,000 |
| Salinas, CA | 27 | $ 10,005,000 | $ 370,555 | $ 130,000 |
| Cincinnati, OH-KY-IN | 26 | $ 7,270,000 | $ 279,615 | $ 146,307 |
| Portland-South Portland, ME | 26 | $ 7,120,000 | $ 273,846 | $ 112,000 |
| Boulder, CO | 25 | $ 9,265,000 | $ 370,600 | $ 170,000 |
| Modesto, CA | 25 | $ 6,795,000 | $ 271,800 | $ 172,000 |
| Santa Cruz-Watsonville, CA | 25 | $ 11,345,000 | $ 453,800 | $ 313,000 |
| Detroit-Dearborn-Livonia, MI | 24 | $ 6,250,000 | $ 260,416 | $ 137,000 |
| San Rafael, CA | 23 | $ 9,565,000 | $ 415,869 | $ 263,000 |
| Napa, CA | 22 | $ 10,970,000 | $ 498,636 | $ 244,000 |
| San Antonio-New Braunfels, TX | 22 | $ 6,120,000 | $ 278,181 | $ 128,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 22 | $ 8,690,000 | $ 395,000 | $ 171,000 |
| Santa Maria-Santa Barbara, CA | 22 | $ 8,910,000 | $ 405,000 | $ 137,000 |
| Barnstable Town, MA | 20 | $ 6,340,000 | $ 317,000 | $ 159,000 |
| Columbus, OH | 20 | $ 4,850,000 | $ 242,500 | $ 143,000 |
| Jacksonville, FL | 20 | $ 5,360,000 | $ 268,000 | $ 120,000 |
| Spartanburg, SC | 20 | $ 3,910,000 | $ 195,500 | $ 68,000 |
| Merced, CA | 19 | $ 4,165,000 | $ 219,210 | $ 142,000 |
| Richmond, VA | 18 | $ 5,250,000 | $ 291,666 | $ 153,000 |
| Charlotte-Concord-Gastonia, NC-SC | 17 | $ 4,275,000 | $ 251,470 | $ 144,176 |
| Bakersfield, CA | 15 | $ 4,065,000 | $ 271,000 | $ 152,000 |
| Chico, CA | 15 | $ 4,915,000 | $ 327,666 | $ 112,000 |
| Fort Collins, CO | 15 | $ 4,445,000 | $ 296,333 | $ 112,000 |
| Salem, OR | 15 | $ 4,535,000 | $ 302,333 | $ 91,000 |
| Burlington-South Burlington, VT | 14 | $ 4,070,000 | $ 290,714 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,980,000 | $ 212,857 | $ 129,000 |
| Eugene, OR | 14 | $ 3,530,000 | $ 252,142 | $ 150,000 |
| New Haven-Milford, CT | 14 | $ 3,090,000 | $ 220,714 | $ 157,000 |
| Kennewick-Richland, WA | 12 | $ 3,730,000 | $ 310,833 | $ 174,000 |
| Lexington-Fayette, KY | 12 | $ 3,300,000 | $ 275,000 | $ 126,000 |
| Rockingham County-Strafford County, NH | 12 | $ 3,540,000 | $ 295,000 | $ 125,000 |
| Trenton, NJ | 12 | $ 4,750,000 | $ 395,833 | $ 160,000 |
| Yuba City, CA | 12 | $ 2,660,000 | $ 221,666 | $ 93,000 |
| Greeley, CO | 11 | $ 2,805,000 | $ 255,000 | $ 79,000 |
| Redding, CA | 11 | $ 2,825,000 | $ 256,818 | $ 96,000 |
| St. George, UT | 11 | $ 3,835,000 | $ 348,636 | $ 136,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 2,420,000 | $ 242,000 | $ 115,000 |
| Madison, WI | 10 | $ 2,960,000 | $ 296,000 | $ 168,000 |
| Visalia-Porterville, CA | 10 | $ 2,480,000 | $ 248,000 | $ 114,000 |
| Ann Arbor, MI | 9 | $ 2,275,000 | $ 252,777 | $ 163,000 |
| Bellingham, WA | 8 | $ 2,390,000 | $ 298,750 | $ 156,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,960,000 | $ 245,000 | $ 136,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,575,000 | $ 225,000 | $ 87,000 |
| Kingston, NY | 7 | $ 1,685,000 | $ 240,714 | $ 112,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,405,000 | $ 200,714 | $ 109,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,115,000 | $ 159,285 | $ 79,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 1,925,000 | $ 275,000 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,755,000 | $ 250,714 | $ 113,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,860,000 | $ 310,000 | $ 160,000 |
| Beaumont-Port Arthur, TX | 6 | $ 1,120,000 | $ 186,666 | $ 110,000 |
| Bend-Redmond, OR | 6 | $ 1,700,000 | $ 283,333 | $ 136,000 |
| Longview, WA | 6 | $ 1,750,000 | $ 291,666 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,620,000 | $ 270,000 | $ 178,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,110,000 | $ 185,000 | $ 59,000 |
| Olympia-Tumwater, WA | 6 | $ 1,900,000 | $ 316,666 | $ 145,000 |
| Pueblo, CO | 6 | $ 1,380,000 | $ 230,000 | $ 88,000 |
| San Angelo, TX | 6 | $ 1,420,000 | $ 236,666 | $ 89,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,255,000 | $ 251,000 | $ 164,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 925,000 | $ 185,000 | $ 115,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,475,000 | $ 295,000 | $ 158,000 |
| East Stroudsburg, PA | 5 | $ 1,905,000 | $ 381,000 | $ 152,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,525,000 | $ 305,000 | $ 94,000 |
| Medford, OR | 5 | $ 1,575,000 | $ 315,000 | $ 90,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,125,000 | $ 225,000 | $ 92,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,565,000 | $ 313,000 | $ 212,000 |
| Ocean City, NJ | 5 | $ 1,435,000 | $ 287,000 | $ 321,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,075,000 | $ 215,000 | $ 137,000 |
| Spokane-Spokane Valley, WA | 5 | $ 1,505,000 | $ 301,000 | $ 138,000 |
| Springfield, MA | 5 | $ 1,135,000 | $ 227,000 | $ 94,000 |
| Tyler, TX | 5 | $ 1,035,000 | $ 207,000 | $ 92,000 |
| Albany, OR | 4 | $ 1,070,000 | $ 267,500 | $ 145,000 |
| Bloomington, IL | 4 | $ 610,000 | $ 152,500 | $ 102,000 |
| Boise City, ID | 4 | $ 1,350,000 | $ 337,500 | $ 95,000 |
| El Centro, CA | 4 | $ 280,000 | $ 70,000 | $ 55,000 |
| Flagstaff, AZ | 4 | $ 1,500,000 | $ 375,000 | $ 161,000 |
| Gary, IN | 4 | $ 1,020,000 | $ 255,000 | $ 105,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 980,000 | $ 245,000 | $ 110,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,110,000 | $ 277,500 | $ 110,000 |
| Logan, UT-ID | 4 | $ 1,110,000 | $ 277,500 | $ 109,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,080,000 | $ 270,000 | $ 96,000 |
| Norwich-New London, CT | 4 | $ 1,180,000 | $ 295,000 | $ 161,000 |
| Port St. Lucie, FL | 4 | $ 870,000 | $ 217,500 | $ 88,000 |
| Punta Gorda, FL | 4 | $ 910,000 | $ 227,500 | $ 111,000 |
| Salisbury, MD-DE | 4 | $ 1,040,000 | $ 260,000 | $ 161,000 |
| Brownsville-Harlingen, TX | 3 | $ 425,000 | $ 141,666 | $ 67,000 |
| Charleston-North Charleston, SC | 3 | $ 815,000 | $ 271,666 | $ 153,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 715,000 | $ 238,333 | $ 156,000 |
| Flint, MI | 3 | $ 835,000 | $ 278,333 | $ 188,000 |
| Grand Junction, CO | 3 | $ 615,000 | $ 205,000 | $ 258,000 |
| Greensboro-High Point, NC | 3 | $ 425,000 | $ 141,666 | $ 142,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 935,000 | $ 311,666 | $ 112,000 |
| Kalamazoo-Portage, MI | 3 | $ 955,000 | $ 318,333 | $ 310,000 |
| Killeen-Temple, TX | 3 | $ 575,000 | $ 191,666 | $ 83,000 |
| Midland, TX | 3 | $ 1,005,000 | $ 335,000 | $ 96,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 945,000 | $ 315,000 | $ 158,000 |
| Reno, NV | 3 | $ 365,000 | $ 121,666 | $ 146,000 |
| Rochester, NY | 3 | $ 1,055,000 | $ 351,666 | $ 127,000 |
| Rockford, IL | 3 | $ 455,000 | $ 151,666 | $ 58,000 |
| Savannah, GA | 3 | $ 515,000 | $ 171,666 | $ 66,000 |
| Sherman-Denison, TX | 3 | $ 1,115,000 | $ 371,666 | $ 275,000 |
| Wilmington, DE-MD-NJ | 3 | $ 545,000 | $ 181,666 | $ 96,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 560,000 | $ 280,000 | $ 154,000 |
| Amarillo, TX | 2 | $ 650,000 | $ 325,000 | $ 139,000 |
| Asheville, NC | 2 | $ 500,000 | $ 250,000 | $ 129,000 |
| Athens-Clarke County, GA | 2 | $ 580,000 | $ 290,000 | $ 132,000 |
| Bloomington, IN | 2 | $ 360,000 | $ 180,000 | $ 45,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 550,000 | $ 275,000 | $ 169,000 |
| Cleveland-Elyria, OH | 2 | $ 210,000 | $ 105,000 | $ 79,000 |
| Coeur D'Alene, ID | 2 | $ 850,000 | $ 425,000 | $ 129,000 |
| Corpus Christi, TX | 2 | $ 240,000 | $ 120,000 | $ 154,000 |
| Corvallis, OR | 2 | $ 770,000 | $ 385,000 | $ 194,000 |
| Hanford-Corcoran, CA | 2 | $ 290,000 | $ 145,000 | $ 55,000 |
| Harrisburg-Carlisle, PA | 2 | $ 610,000 | $ 305,000 | $ 111,000 |
| Huntsville, AL | 2 | $ 320,000 | $ 160,000 | $ 130,000 |
| Jefferson City, MO | 2 | $ 170,000 | $ 85,000 | $ 71,000 |
| Kankakee, IL | 2 | $ 360,000 | $ 180,000 | $ 109,000 |
| Knoxville, TN | 2 | $ 320,000 | $ 160,000 | $ 116,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 400,000 | $ 200,000 | $ 100,000 |
| Lansing-East Lansing, MI | 2 | $ 650,000 | $ 325,000 | $ 254,000 |
| Longview, TX | 2 | $ 350,000 | $ 175,000 | $ 176,000 |
| Madera, CA | 2 | $ 480,000 | $ 240,000 | $ 124,000 |
| Memphis, TN-MS-AR | 2 | $ 370,000 | $ 185,000 | $ 108,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 450,000 | $ 225,000 | $ 151,000 |
| New Orleans-Metairie, LA | 2 | $ 690,000 | $ 345,000 | $ 123,000 |
| Ocala, FL | 2 | $ 240,000 | $ 120,000 | $ 47,000 |
| Pittsfield, MA | 2 | $ 610,000 | $ 305,000 | $ 243,000 |
| Roanoke, VA | 2 | $ 800,000 | $ 400,000 | $ 223,000 |
| Sioux Falls, SD | 2 | $ 290,000 | $ 145,000 | $ 117,000 |
| Tallahassee, FL | 2 | $ 620,000 | $ 310,000 | $ 146,000 |
| Texarkana, TX-AR | 2 | $ 540,000 | $ 270,000 | $ 95,000 |
| The Villages, FL | 2 | $ 440,000 | $ 220,000 | $ 183,000 |
| Wenatchee, WA | 2 | $ 620,000 | $ 310,000 | $ 196,000 |
| Wilmington, NC | 2 | $ 330,000 | $ 165,000 | $ 209,000 |
| Winston-Salem, NC | 2 | $ 420,000 | $ 210,000 | $ 62,000 |
| York-Hanover, PA | 2 | $ 460,000 | $ 230,000 | $ 100,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| Akron, OH | 1 | $ 315,000 | $ 315,000 | $ 184,000 |
| Albany, GA | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Albuquerque, NM | 1 | $ 75,000 | $ 75,000 | $ 317,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Bangor, ME | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Birmingham-Hoover, AL | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Canton-Massillon, OH | 1 | $ 265,000 | $ 265,000 | $ 122,000 |
| Charlottesville, VA | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| College Station-Bryan, TX | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Columbus, GA-AL | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| El Paso, TX | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Florence, SC | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Fort Wayne, IN | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Gainesville, FL | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Gainesville, GA | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Green Bay, WI | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 105,000 | $ 105,000 | $ 234,000 |
| Harrisonburg, VA | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Homosassa Springs, FL | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Idaho Falls, ID | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 415,000 | $ 415,000 | $ 151,000 |
| Johnson City, TN | 1 | $ 165,000 | $ 165,000 | $ 109,000 |
| Kokomo, IN | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Lancaster, PA | 1 | $ 265,000 | $ 265,000 | $ 136,000 |
| Laredo, TX | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Lewiston-Auburn, ME | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Lincoln, NE | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Michigan City-La Porte, IN | 1 | $ 325,000 | $ 325,000 | $ 217,000 |
| Monroe, MI | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Montgomery, AL | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Muncie, IN | 1 | $ 365,000 | $ 365,000 | $ 124,000 |
| Muskegon, MI | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Odessa, TX | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Panama City, FL | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Peoria, IL | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Rochester, MN | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Sebring, FL | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| St. Cloud, MN | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| State College, PA | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Terre Haute, IN | 1 | $ 325,000 | $ 325,000 | $ 183,000 |
| Toledo, OH | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Tulsa, OK | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Utica-Rome, NY | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Victoria, TX | 1 | $ 225,000 | $ 225,000 | $ 161,000 |
| Waco, TX | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Warner Robins, GA | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Winchester, VA-WV | 1 | $ 365,000 | $ 365,000 | $ 192,000 |
| Yuma, AZ | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for One American Bank in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 7,961 | $2,686,075,000 | $337,000 | $3,005,000 | $156,000 | $2,104,000 |
| Cash-out Refinancing | 3,250 | $1,134,340,000 | $349,000 | $1,195,000 | $146,000 | $3,553,000 |
| Home Purchase | 1,191 | $455,705,000 | $382,000 | $2,685,000 | $147,000 | $1,316,000 |
| Other Purpose | 31 | $4,205,000 | $135,000 | $705,000 | $278,000 | $3,840,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 5,039 | $1,647,105,000 | $326,000 | $3,005,000 | $144,000 | $3,840,000 |
| Asian | 4,733 | $1,709,135,000 | $361,000 | $1,285,000 | $167,000 | $1,907,000 |
| Not Provided | 1,737 | $625,315,000 | $359,000 | $1,235,000 | $157,000 | $1,234,000 |
| Hispanic | 652 | $206,510,000 | $316,000 | $825,000 | $114,000 | $3,553,000 |
| Black or African American | 232 | $77,390,000 | $333,000 | $955,000 | $132,000 | $1,316,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $9,025,000 | $392,000 | $715,000 | $134,000 | $261,000 |
| American Indian or Alaskan Native | 17 | $5,845,000 | $343,000 | $885,000 | $136,000 | $429,000 |
| Not applicable | 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) | 12,332 | $4,245,220,000 | $344,000 | $3,005,000 | $153,000 | $3,840,000 |
| FHA-insured (Federal Housing Administration) | 58 | $18,370,000 | $316,000 | $675,000 | $84,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 43 | $16,735,000 | $389,000 | $855,000 | $110,000 | $305,000 |
| 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 Originated | 8,387 | $2,852,485,000 | $340,000 | $1,195,000 | $152,000 | $3,299,000 |
| Application Withdrawn By Applicant | 2,757 | $977,875,000 | $354,000 | $3,005,000 | $157,000 | $3,840,000 |
| File Closed For Incompleteness | 675 | $233,655,000 | $346,000 | $1,285,000 | $157,000 | $1,464,000 |
| Application Approved But Not Accepted | 505 | $176,595,000 | $349,000 | $935,000 | $150,000 | $1,321,000 |
| Application Denied By Financial Institution | 100 | $33,090,000 | $330,000 | $965,000 | $97,000 | $313,000 |
| Loan Purchased By The Institution | 9 | $6,625,000 | $736,000 | $2,685,000 | $308,000 | $860,000 |
| 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 | 12,333 | $4,247,235,000 | $344,000 | $3,005,000 | $153,000 | $3,840,000 |
| Debt-To-Income Ratio | 69 | $21,755,000 | $315,000 | $965,000 | $77,000 | $313,000 |
| Credit Application Incomplete | 12 | $4,840,000 | $403,000 | $555,000 | $162,000 | $250,000 |
| Collateral | 9 | $3,615,000 | $401,000 | $675,000 | $148,000 | $305,000 |
| Unverifiable Information | 5 | $1,555,000 | $311,000 | $445,000 | $127,000 | $149,000 |
| Credit History | 4 | $1,020,000 | $255,000 | $325,000 | $99,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $305,000 | $305,000 | $305,000 | $104,000 | $104,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One American Bank's 2021 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.
For a list of all lenders in South Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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