Mortgage One of the South, Inc Mortgage Lending & HMDA Data, 2025
In 2025, Mortgage One of the South, Inc of Fort Walton Beach, FL reported 17 mortgage applications totaling $6.5 million, down 78% from 2024. The average application was for $380,882, and applicants reported an average income of $122,000. 71% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Pensacola-Ferry Pass-Brent, FL (10) and Crestview-Fort Walton Beach-Destin, FL (7).
| Mortgage Company & Address | Mortgage One of the South, Inc 15 N. Eglin Parkway Fort Walton Beach, FL 32548 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 17 |
| Total Mortgage Loan Application Amount | $6,475,000 |
| Average Mortgage Loan Application Amount | $380,882 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $195,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mortgage One of the South, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Santa Rosa, Florida | 9 | $ 4,195,000 | $ 466,111 | $ 142,000 |
| Okaloosa, Florida | 6 | $ 1,560,000 | $ 260,000 | $ 91,000 |
| Escambia, Florida | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Walton, Florida | 1 | $ 355,000 | $ 355,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Mortgage One of the South, Inc in 2025
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 | 17 | $6,475,000 | $380,000 | $505,000 | $122,000 | $195,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 12 | $4,060,000 | $338,000 | $505,000 | $113,000 | $178,000 |
| Hispanic | 2 | $930,000 | $465,000 | $495,000 | $164,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $505,000 | $505,000 | $505,000 | $195,000 | $195,000 |
| Asian | 1 | $475,000 | $475,000 | $475,000 | $110,000 | $110,000 |
| Not Provided | 1 | $505,000 | $505,000 | $505,000 | $88,000 | $88,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 11 | $4,805,000 | $436,000 | $505,000 | $128,000 | $195,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5 | $1,515,000 | $303,000 | $435,000 | $126,000 | $172,000 |
| FHA-insured (Federal Housing Administration) | 1 | $155,000 | $155,000 | $155,000 | $45,000 | $45,000 |
| 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 | 12 | $4,240,000 | $353,000 | $505,000 | $120,000 | $195,000 |
| Application Approved But Not Accepted | 5 | $2,235,000 | $447,000 | $505,000 | $128,000 | $178,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 17 | $6,475,000 | $380,000 | $505,000 | $122,000 | $195,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage One of the South, Inc's 2025 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 Mortgage One of the South, Inc'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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