Mortgage One of the South, Inc Mortgage Lending & HMDA Data, 2024
In 2024, Mortgage One of the South, Inc of Fort Walton Beach, FL reported 78 mortgage applications totaling $31.7 million, down 28% from 2023. The average application was for $405,897, and applicants reported an average income of $166,179. 72% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Crestview-Fort Walton Beach-Destin, FL (49), Pensacola-Ferry Pass-Brent, FL (26) and Panama City, FL (3) (applications in parentheses).
| 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 | 78 |
| Total Mortgage Loan Application Amount | $31,660,000 |
| Average Mortgage Loan Application Amount | $405,897 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $166,179 |
| Highest Applicant Income | $896,000 |
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records Mortgage One of the South, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Mortgage One of the South, Inc in 2024
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 | 77 | $31,065,000 | $403,000 | $2,005,000 | $165,000 | $896,000 |
| Refinancing | 1 | $595,000 | $595,000 | $595,000 | $257,000 | $257,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 51 | $19,935,000 | $390,000 | $765,000 | $168,000 | $587,000 |
| Not Provided | 10 | $3,820,000 | $382,000 | $555,000 | $143,000 | $229,000 |
| Hispanic | 8 | $3,200,000 | $400,000 | $535,000 | $129,000 | $209,000 |
| Asian | 4 | $2,910,000 | $727,000 | $2,005,000 | $315,000 | $896,000 |
| Black or African American | 3 | $1,035,000 | $345,000 | $455,000 | $107,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $760,000 | $380,000 | $515,000 | $167,000 | $199,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 46 | $19,010,000 | $413,000 | $765,000 | $150,000 | $291,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 29 | $11,775,000 | $406,000 | $2,005,000 | $201,000 | $896,000 |
| FHA-insured (Federal Housing Administration) | 3 | $875,000 | $291,000 | $385,000 | $72,000 | $93,000 |
| 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 | 56 | $21,520,000 | $384,000 | $765,000 | $153,000 | $587,000 |
| Application Approved But Not Accepted | 10 | $3,500,000 | $350,000 | $515,000 | $129,000 | $209,000 |
| Application Withdrawn By Applicant | 6 | $3,850,000 | $641,000 | $2,005,000 | $324,000 | $896,000 |
| Application Denied By Financial Institution | 5 | $2,545,000 | $509,000 | $715,000 | $189,000 | $285,000 |
| File Closed For Incompleteness | 1 | $245,000 | $245,000 | $245,000 | $199,000 | $199,000 |
| 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 | 73 | $29,115,000 | $398,000 | $2,005,000 | $164,000 | $896,000 |
| Other | 2 | $740,000 | $370,000 | $435,000 | $155,000 | $233,000 |
| Collateral | 1 | $575,000 | $575,000 | $575,000 | $285,000 | $285,000 |
| Debt-To-Income Ratio | 1 | $715,000 | $715,000 | $715,000 | $216,000 | $216,000 |
| Employment History | 1 | $515,000 | $515,000 | $515,000 | $136,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage One of the South, Inc's 2024 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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