One Source Mortgage, L.L.C. Mortgage Lending & HMDA Data, 2006

In 2006, One Source Mortgage, L.L.C. of Lewisville, TX reported 1,074 mortgage applications totaling $130.0 million, down 32% from 2005. The average application was for $121,062, and applicants reported an average income of $80,009. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (165), Atlanta-Sandy Springs-Marietta, GA (148) and Columbus, OH (54) (applications in parentheses).

Mortgage Company & Address One Source Mortgage, L.L.C.
1720 S Edmonds Lane, Ste 8
Lewisville, TX 75067
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 1,074
Total Mortgage Loan Application Amount $130,021,000
Average Mortgage Loan Application Amount $121,062
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $80,009
Highest Applicant Income $783,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records One Source Mortgage, L.L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for One Source Mortgage, L.L.C. by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hillsborough, Florida 113 $ 14,756,000 $ 130,584 $ 118,000
Franklin, Ohio 42 $ 3,240,000 $ 77,142 $ 81,000
Lake, Florida 37 $ 4,463,000 $ 120,621 $ 58,000
Franklin, Pennsylvania 33 $ 3,364,000 $ 101,939 $ 34,000
New Hanover, North Carolina 32 $ 5,111,000 $ 159,718 $ 66,000
Pinellas, Florida 31 $ 6,732,000 $ 217,161 $ 163,000
DeKalb, Georgia 28 $ 3,210,000 $ 114,642 $ 76,000
Habersham, Georgia 28 $ 2,655,000 $ 94,821 $ 43,000
Fulton, Georgia 27 $ 3,126,000 $ 115,777 $ 70,000
Hall, Georgia 24 $ 3,270,000 $ 136,250 $ 108,000
Montgomery, Alabama 22 $ 1,201,000 $ 54,590 $ 34,000
Cobb, Georgia 21 $ 1,960,000 $ 93,333 $ 60,000
Houston, Alabama 19 $ 1,922,000 $ 101,157 $ 61,000
Jefferson, Alabama 19 $ 1,475,000 $ 77,631 $ 59,000
Gwinnett, Georgia 19 $ 2,290,000 $ 120,526 $ 52,000
Clayton, Georgia 18 $ 1,198,000 $ 66,555 $ 57,000
Muscogee, Georgia 18 $ 1,483,000 $ 82,388 $ 21,000
Pasco, Florida 17 $ 3,032,000 $ 178,352 $ 110,000
Loudoun, Virginia 17 $ 3,456,000 $ 203,294 $ 117,000
Gulf, Florida 16 $ 4,741,000 $ 296,312 $ 220,000
Orange, Florida 13 $ 1,686,000 $ 129,692 $ 134,000
Marion, Tennessee 13 $ 950,000 $ 73,076 $ 35,000
Miami-Dade, Florida 12 $ 2,300,000 $ 191,666 $ 64,000
Floyd, Georgia 12 $ 1,014,000 $ 84,500 $ 39,000
Montgomery, Maryland 12 $ 1,932,000 $ 161,000 $ 80,000
Washington, Maryland 11 $ 1,618,000 $ 147,090 $ 55,000
Collin, Texas 10 $ 665,000 $ 66,500 $ 100,000
Bibb, Georgia 9 $ 503,000 $ 55,888 $ 61,000
Prince William, Virginia 9 $ 2,238,000 $ 248,666 $ 71,000
Coffee, Alabama 8 $ 608,000 $ 76,000 $ 45,000
Paulding, Georgia 8 $ 544,000 $ 68,000 $ 44,000
Mecklenburg, North Carolina 8 $ 426,000 $ 53,250 $ 81,000
Pike, Alabama 7 $ 1,211,000 $ 173,000 $ 107,000
Jackson, Georgia 7 $ 633,000 $ 90,428 $ 46,000
Frederick, Maryland 7 $ 1,211,000 $ 173,000 $ 88,000
Prince George's, Maryland 7 $ 1,119,000 $ 159,857 $ 78,000
Sequatchie, Tennessee 7 $ 722,000 $ 103,142 $ 63,000
Fairfax, Virginia 7 $ 1,786,000 $ 255,142 $ 167,000
Duval, Florida 6 $ 635,000 $ 105,833 $ 40,000
Columbia, Georgia 6 $ 524,000 $ 87,333 $ 104,000
Hart, Georgia 6 $ 747,000 $ 124,500 $ 134,000
Richmond, Georgia 6 $ 358,000 $ 59,666 $ 40,000
Durham, North Carolina 6 $ 402,000 $ 67,000 $ 154,000
Madison, Alabama 5 $ 199,000 $ 39,800 $ 37,000
Tuscaloosa, Alabama 5 $ 311,000 $ 62,200 $ 67,000
Bay, Florida 5 $ 687,000 $ 137,400 $ 206,000
Effingham, Georgia 5 $ 587,000 $ 117,400 $ 116,000
Grady, Georgia 5 $ 343,000 $ 68,600 $ 41,000
Thomas, Georgia 5 $ 643,000 $ 128,600 $ 92,000
Wayne, Michigan 5 $ 211,000 $ 42,200 $ 164,000
Cumberland, Pennsylvania 5 $ 305,000 $ 61,000 $ 154,000
Marshall, Alabama 4 $ 227,000 $ 56,750 $ 44,000
Hernando, Florida 4 $ 498,000 $ 124,500 $ 113,000
Manatee, Florida 4 $ 446,000 $ 111,500 $ 160,000
Palm Beach, Florida 4 $ 676,000 $ 169,000 $ 266,000
Barrow, Georgia 4 $ 276,000 $ 69,000 $ 22,000
Colquitt, Georgia 4 $ 190,000 $ 47,500 $ 11,000
Harris, Georgia 4 $ 323,000 $ 80,750 $ 80,000
Rockdale, Georgia 4 $ 174,000 $ 43,500 $ 28,000
White, Georgia 4 $ 583,000 $ 145,750 $ 62,000
Delaware, Ohio 4 $ 518,000 $ 129,500 $ 35,000
Fauquier, Virginia 4 $ 798,000 $ 199,500 $ 38,000
Upshur, West Virginia 4 $ 662,000 $ 165,500 $ 81,000
Calhoun, Alabama 3 $ 204,000 $ 68,000 $ 11,000
Conecuh, Alabama 3 $ 212,000 $ 70,666 $ 27,000
Lauderdale, Alabama 3 $ 388,000 $ 129,333 $ 61,000
Mobile, Alabama 3 $ 153,000 $ 51,000 $ 48,000
Broward, Florida 3 $ 570,000 $ 190,000 $ 139,000
Marion, Florida 3 $ 421,000 $ 140,333 $ 187,000
Bulloch, Georgia 3 $ 212,000 $ 70,666 $ 11,000
Chattooga, Georgia 3 $ 173,000 $ 57,666 $ 48,000
Emanuel, Georgia 3 $ 150,000 $ 50,000 $ 7,000
Forsyth, Georgia 3 $ 754,000 $ 251,333 $ 70,000
Henry, Georgia 3 $ 295,000 $ 98,333 $ 52,000
Stephens, Georgia 3 $ 202,000 $ 67,333 $ 42,000
Pender, North Carolina 3 $ 552,000 $ 184,000 $ 68,000
Cuyahoga, Ohio 3 $ 147,000 $ 49,000 $ 105,000
Fairfield, Ohio 3 $ 242,000 $ 80,666 $ 14,000
Licking, Ohio 3 $ 372,000 $ 124,000 $ 73,000
Muskingum, Ohio 3 $ 124,000 $ 41,333 $ 33,000
Hamilton, Tennessee 3 $ 235,000 $ 78,333 $ 33,000
Chambers, Alabama 2 $ 93,000 $ 46,500 $ 66,000
Dale, Alabama 2 $ 48,000 $ 24,000 $ 22,000
Elmore, Alabama 2 $ 207,000 $ 103,500 $ 0
Geneva, Alabama 2 $ 86,000 $ 43,000 $ 70,000
Henry, Alabama 2 $ 173,000 $ 86,500 $ 27,000
Lowndes, Alabama 2 $ 91,000 $ 45,500 $ 25,000
Russell, Alabama 2 $ 175,000 $ 87,500 $ 33,000
Brevard, Florida 2 $ 182,000 $ 91,000 $ 60,000
Osceola, Florida 2 $ 315,000 $ 157,500 $ 0
Banks, Georgia 2 $ 229,000 $ 114,500 $ 63,000
Bryan, Georgia 2 $ 150,000 $ 75,000 $ 73,000
Carroll, Georgia 2 $ 151,000 $ 75,500 $ 48,000
Catoosa, Georgia 2 $ 128,000 $ 64,000 $ 38,000
Douglas, Georgia 2 $ 204,000 $ 102,000 $ 0
Fayette, Georgia 2 $ 348,000 $ 174,000 $ 0
Glynn, Georgia 2 $ 59,000 $ 29,500 $ 41,000
Houston, Georgia 2 $ 130,000 $ 65,000 $ 41,000
Jones, Georgia 2 $ 142,000 $ 71,000 $ 0
Lowndes, Georgia 2 $ 124,000 $ 62,000 $ 230,000
Meriwether, Georgia 2 $ 185,000 $ 92,500 $ 90,000
Newton, Georgia 2 $ 148,000 $ 74,000 $ 0
Oglethorpe, Georgia 2 $ 123,000 $ 61,500 $ 34,000
Polk, Georgia 2 $ 135,000 $ 67,500 $ 36,000
Rabun, Georgia 2 $ 365,000 $ 182,500 $ 125,000
Telfair, Georgia 2 $ 280,000 $ 140,000 $ 81,000
Troup, Georgia 2 $ 132,000 $ 66,000 $ 60,000
Whitfield, Georgia 2 $ 140,000 $ 70,000 $ 47,000
Marshall, Indiana 2 $ 120,000 $ 60,000 $ 31,000
Charles, Maryland 2 $ 575,000 $ 287,500 $ 166,000
Cleveland, North Carolina 2 $ 99,000 $ 49,500 $ 95,000
Union, North Carolina 2 $ 303,000 $ 151,500 $ 104,000
Hardin, Ohio 2 $ 93,000 $ 46,500 $ 40,000
Highland, Ohio 2 $ 151,000 $ 75,500 $ 51,000
Mahoning, Ohio 2 $ 130,000 $ 65,000 $ 98,000
Lexington, South Carolina 2 $ 178,000 $ 89,000 $ 76,000
Fentress, Tennessee 2 $ 127,000 $ 63,500 $ 108,000
Franklin, Tennessee 2 $ 216,000 $ 108,000 $ 62,000
Lewis, Tennessee 2 $ 65,000 $ 32,500 $ 0
Frederick, Virginia 2 $ 973,000 $ 486,500 $ 149,000
Shenandoah, Virginia 2 $ 203,000 $ 101,500 $ 58,000
Stafford, Virginia 2 $ 443,000 $ 221,500 $ 36,000
Warren, Virginia 2 $ 555,000 $ 277,500 $ 220,000
Morgan, West Virginia 2 $ 155,000 $ 77,500 $ 38,000
Baldwin, Alabama 1 $ 35,000 $ 35,000 $ 74,000
Barbour, Alabama 1 $ 57,000 $ 57,000 $ 114,000
Butler, Alabama 1 $ 60,000 $ 60,000 $ 51,000
Chilton, Alabama 1 $ 95,000 $ 95,000 $ 38,000
Cullman, Alabama 1 $ 144,000 $ 144,000 $ 45,000
DeKalb, Alabama 1 $ 85,000 $ 85,000 $ 40,000
Jackson, Alabama 1 $ 142,000 $ 142,000 $ 71,000
Lawrence, Alabama 1 $ 35,000 $ 35,000 $ 20,000
Lee, Alabama 1 $ 71,000 $ 71,000 $ 31,000
Morgan, Alabama 1 $ 92,000 $ 92,000 $ 38,000
Randolph, Alabama 1 $ 52,000 $ 52,000 $ 0
Calhoun, Florida 1 $ 85,000 $ 85,000 $ 65,000
Citrus, Florida 1 $ 104,000 $ 104,000 $ 54,000
Escambia, Florida 1 $ 70,000 $ 70,000 $ 48,000
Lee, Florida 1 $ 492,000 $ 492,000 $ 144,000
Leon, Florida 1 $ 300,000 $ 300,000 $ 106,000
Polk, Florida 1 $ 240,000 $ 240,000 $ 55,000
Seminole, Florida 1 $ 61,000 $ 61,000 $ 57,000
Bartow, Georgia 1 $ 187,000 $ 187,000 $ 61,000
Cherokee, Georgia 1 $ 123,000 $ 123,000 $ 41,000
Gilmer, Georgia 1 $ 157,000 $ 157,000 $ 0
Heard, Georgia 1 $ 90,000 $ 90,000 $ 58,000
Miller, Georgia 1 $ 51,000 $ 51,000 $ 46,000
Murray, Georgia 1 $ 98,000 $ 98,000 $ 40,000
Oconee, Georgia 1 $ 303,000 $ 303,000 $ 167,000
Union, Georgia 1 $ 20,000 $ 20,000 $ 54,000
Tippecanoe, Indiana 1 $ 76,000 $ 76,000 $ 68,000
Fayette, Kentucky 1 $ 105,000 $ 105,000 $ 0
Anne Arundel, Maryland 1 $ 45,000 $ 45,000 $ 112,000
Baltimore City, Maryland 1 $ 50,000 $ 50,000 $ 17,000
Cecil, Maryland 1 $ 347,000 $ 347,000 $ 114,000
Catawba, North Carolina 1 $ 351,000 $ 351,000 $ 180,000
Dare, North Carolina 1 $ 224,000 $ 224,000 $ 114,000
Duplin, North Carolina 1 $ 61,000 $ 61,000 $ 48,000
Iredell, North Carolina 1 $ 158,000 $ 158,000 $ 58,000
Wake, North Carolina 1 $ 69,000 $ 69,000 $ 0
Noble, Ohio 1 $ 97,000 $ 97,000 $ 48,000
Perry, Ohio 1 $ 71,000 $ 71,000 $ 105,000
Pickaway, Ohio 1 $ 100,000 $ 100,000 $ 28,000
Union, Ohio 1 $ 112,000 $ 112,000 $ 55,000
Fulton, Pennsylvania 1 $ 315,000 $ 315,000 $ 70,000
Horry, South Carolina 1 $ 188,000 $ 188,000 $ 65,000
Richland, South Carolina 1 $ 104,000 $ 104,000 $ 51,000
Grundy, Tennessee 1 $ 92,000 $ 92,000 $ 46,000
Warren, Tennessee 1 $ 90,000 $ 90,000 $ 57,000
Denton, Texas 1 $ 100,000 $ 100,000 $ 80,000
Ellis, Texas 1 $ 90,000 $ 90,000 $ 46,000
Travis, Texas 1 $ 88,000 $ 88,000 $ 57,000
Albemarle, Virginia 1 $ 330,000 $ 330,000 $ 330,000
Fairfax City, Virginia 1 $ 330,000 $ 330,000 $ 0
James City, Virginia 1 $ 572,000 $ 572,000 $ 152,000
Nelson, Virginia 1 $ 219,000 $ 219,000 $ 84,000

Mortgage Loan Application Detail Totals for One Source Mortgage, L.L.C. in 2006

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 542 $56,573,000 $104,000 $640,000 $81,000 $447,000
Refinancing 532 $73,448,000 $138,000 $1,000,000 $79,000 $783,000
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 652 $86,565,000 $132,000 $1,000,000 $91,000 $783,000
Black or African American 269 $24,563,000 $91,000 $431,000 $61,000 $323,000
Hispanic 94 $11,002,000 $117,000 $400,000 $65,000 $240,000
Not Provided 38 $4,956,000 $130,000 $452,000 $59,000 $174,000
Asian 18 $2,536,000 $140,000 $450,000 $82,000 $285,000
Native Hawaiian or Other Pacific Islander 2 $295,000 $147,000 $236,000 $0 $0
American Indian or Alaskan Native 1 $104,000 $104,000 $104,000 $162,000 $162,000
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) 1,073 $129,766,000 $120,000 $1,000,000 $80,000 $783,000
FHA-insured (Federal Housing Administration) 1 $255,000 $255,000 $255,000 $103,000 $103,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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 863 $105,676,000 $122,000 $1,000,000 $81,000 $783,000
Application Withdrawn By Applicant 146 $16,433,000 $112,000 $556,000 $78,000 $481,000
Application Denied By Financial Institution 44 $4,918,000 $111,000 $368,000 $67,000 $447,000
Application Approved But Not Accepted 20 $2,856,000 $142,000 $516,000 $93,000 $424,000
File Closed For Incompleteness 1 $138,000 $138,000 $138,000 $96,000 $96,000
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
Collateral 21 $1,492,000 $71,000 $144,000 $57,000 $242,000
Credit History 6 $694,000 $115,000 $224,000 $60,000 $162,000
Debt-To-Income Ratio 5 $988,000 $197,000 $368,000 $40,000 $102,000
Unverifiable Information 4 $429,000 $107,000 $184,000 $158,000 $447,000
Other 2 $528,000 $264,000 $264,000 $199,000 $199,000
Insufficient Cash (Downpayment, Closing Cost) 2 $265,000 $132,000 $188,000 $41,000 $47,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into One Source Mortgage, L.L.C.'s 2006 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 Source Mortgage, L.L.C.'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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