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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| PHOENIX-MESA-SCOTTSDALE, AZ | 60 | $ 41,150,000 | $ 685,000 | $ 267,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 59 | $ 33,545,000 | $ 568,000 | $ 172,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 57 | $ 36,905,000 | $ 716,500 | $ 215,000 |
| NA (OUTSIDE OF MSA/MD) | 26 | $ 15,770,000 | $ 688,636 | $ 382,000 |
| SAVANNAH, GA | 22 | $ 6,370,000 | $ 289,000 | $ 392,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 13 | $ 12,345,000 | $ 949,000 | $ 320,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 11 | $ 9,835,000 | $ 894,000 | $ 308,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 10 | $ 10,220,000 | $ 1,022,000 | $ 0 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 8 | $ 8,860,000 | $ 1,107,000 | $ 0 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 8 | $ 7,940,000 | $ 992,000 | $ 0 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 6 | $ 5,030,000 | $ 841,000 | $ 0 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 6 | $ 4,060,000 | $ 676,000 | $ 292,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 5 | $ 3,655,000 | $ 731,000 | $ 54,000 |
| SAN DIEGO-CARLSBAD, CA | 5 | $ 5,255,000 | $ 1,051,000 | $ 136,000 |
| CAPE CORAL-FORT MYERS, FL | 4 | $ 2,120,000 | $ 530,000 | $ 106,000 |
| OGDEN-CLEARFIELD, UT | 4 | $ 4,300,000 | $ 1,075,000 | $ 0 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 4 | $ 2,200,000 | $ 550,000 | $ 0 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 4 | $ 1,990,000 | $ 497,000 | $ 281,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 4 | $ 4,650,000 | $ 1,162,000 | $ 131,000 |
| ASHEVILLE, NC | 3 | $ 815,000 | $ 271,000 | $ 104,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 3 | $ 3,065,000 | $ 1,021,000 | $ 621,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 3 | $ 1,505,000 | $ 577,500 | $ 226,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 2,225,000 | $ 741,000 | $ 0 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 2,875,000 | $ 958,000 | $ 0 |
| PROVO-OREM, UT | 3 | $ 2,615,000 | $ 871,000 | $ 0 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 3 | $ 3,005,000 | $ 1,001,000 | $ 0 |
| SANTA ROSA, CA | 3 | $ 2,005,000 | $ 668,000 | $ 135,000 |
| SIOUX FALLS, SD | 3 | $ 255,000 | $ 85,000 | $ 65,000 |
| STAUNTON-WAYNESBORO, VA | 3 | $ 915,000 | $ 305,000 | $ 0 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 3 | $ 3,005,000 | $ 1,001,000 | $ 100,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 3 | $ 1,965,000 | $ 655,000 | $ 944,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 2 | $ 1,530,000 | $ 765,000 | $ 167,000 |
| BOISE CITY, ID | 2 | $ 630,000 | $ 315,000 | $ 84,000 |
| COEUR D'ALENE, ID | 2 | $ 1,660,000 | $ 830,000 | $ 65,000 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 1,260,000 | $ 630,000 | $ 171,000 |
| DENVER-AURORA-LAKEWOOD, CO | 2 | $ 1,670,000 | $ 835,000 | $ 0 |
| FRESNO, CA | 2 | $ 850,000 | $ 425,000 | $ 60,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 2 | $ 960,000 | $ 480,000 | $ 235,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 2 | $ 770,000 | $ 385,000 | $ 171,000 |
| LUBBOCK, TX | 2 | $ 290,000 | $ 145,000 | $ 44,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 2 | $ 1,050,000 | $ 525,000 | $ 198,000 |
| NEWARK, NJ-PA | 2 | $ 1,230,000 | $ 615,000 | $ 54,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 2 | $ 900,000 | $ 450,000 | $ 325,000 |
| RENO, NV | 2 | $ 1,470,000 | $ 735,000 | $ 0 |
| RICHMOND, VA | 2 | $ 840,000 | $ 420,000 | $ 0 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 2 | $ 1,120,000 | $ 560,000 | $ 61,000 |
| SALEM, OR | 2 | $ 1,530,000 | $ 765,000 | $ 0 |
| SALT LAKE CITY, UT | 2 | $ 1,170,000 | $ 585,000 | $ 0 |
| SANTA CRUZ-WATSONVILLE, CA | 2 | $ 1,820,000 | $ 910,000 | $ 0 |
| TACOMA-LAKEWOOD, WA | 2 | $ 1,730,000 | $ 865,000 | $ 0 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 2 | $ 1,780,000 | $ 890,000 | $ 364,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 1 | $ 615,000 | $ 615,000 | $ 641,000 |
| AUSTIN-ROUND ROCK, TX | 1 | $ 915,000 | $ 915,000 | $ 0 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| BREMERTON-SILVERDALE, WA | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 1 | $ 205,000 | $ 205,000 | $ 282,000 |
| CHICAGO-NAPERVILLE, IL | 1 | $ 655,000 | $ 655,000 | $ 0 |
| COLORADO SPRINGS, CO | 1 | $ 945,000 | $ 945,000 | $ 0 |
| COLUMBIA, SC | 1 | $ 725,000 | $ 725,000 | $ 0 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 1 | $ 325,000 | $ 325,000 | $ 0 |
| DURHAM-CHAPEL HILL, NC | 1 | $ 755,000 | $ 755,000 | $ 0 |
| EL CENTRO, CA | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| EUGENE, OR | 1 | $ 145,000 | $ 145,000 | $ 192,000 |
| FLAGSTAFF, AZ | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| FORT COLLINS, CO | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| GREENVILLE, NC | 1 | $ 295,000 | $ 295,000 | $ 0 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 905,000 | $ 905,000 | $ 0 |
| HINESVILLE, GA | 1 | $ 375,000 | $ 375,000 | $ 77,000 |
| HOMOSASSA SPRINGS, FL | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 1 | $ 245,000 | $ 245,000 | $ 138,000 |
| JACKSONVILLE, FL | 1 | $ 865,000 | $ 865,000 | $ 0 |
| KANSAS CITY, MO-KS | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1 | $ 575,000 | $ 575,000 | $ 159,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| NAPA, CA | 1 | $ 5,000 | $ 5,000 | $ 130,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 485,000 | $ 485,000 | $ 0 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 1 | $ 485,000 | $ 485,000 | $ 146,000 |
| RALEIGH, NC | 1 | $ 685,000 | $ 685,000 | $ 0 |
| ROCHESTER, MN | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| SALISBURY, MD-DE | 1 | $ 345,000 | $ 345,000 | $ 0 |
| SAN RAFAEL, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| SPARTANBURG, SC | 1 | $ 235,000 | $ 235,000 | $ 0 |
| TUCSON, AZ | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| TULSA, OK | 1 | $ 45,000 | $ 45,000 | $ 113,000 |
| WENATCHEE, WA | 1 | $ 715,000 | $ 715,000 | $ 0 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 1 | $ 425,000 | $ 425,000 | $ 0 |
| WINCHESTER, VA-WV | 1 | $ 625,000 | $ 625,000 | $ 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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with aggregated HMDA statistics today.