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records One Source Mortgage, L.L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 165 | $ 25,018,000 | $ 151,624 | $ 126,000 |
| Atlanta-Sandy Springs-Marietta, GA | 148 | $ 15,263,000 | $ 103,128 | $ 58,000 |
| Columbus, OH | 54 | $ 4,584,000 | $ 84,888 | $ 72,000 |
| Orlando-Kissimmee, FL | 53 | $ 6,525,000 | $ 123,113 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 51 | $ 11,300,000 | $ 221,568 | $ 104,411 |
| Wilmington, NC | 35 | $ 5,663,000 | $ 161,800 | $ 66,000 |
| Montgomery, AL | 26 | $ 1,499,000 | $ 57,653 | $ 30,000 |
| Chattanooga, TN-GA | 25 | $ 2,035,000 | $ 81,400 | $ 42,600 |
| Columbus, GA-AL | 24 | $ 1,981,000 | $ 82,541 | $ 32,083 |
| Gainesville, GA | 24 | $ 3,270,000 | $ 136,250 | $ 108,000 |
| Dothan, AL | 23 | $ 2,181,000 | $ 94,826 | $ 59,000 |
| Birmingham-Hoover, AL | 20 | $ 1,570,000 | $ 78,500 | $ 58,000 |
| Bethesda-Gaithersburg-Frederick, MD | 19 | $ 3,143,000 | $ 165,421 | $ 83,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 1,773,000 | $ 136,384 | $ 52,384 |
| Augusta-Richmond County, GA-SC | 12 | $ 882,000 | $ 73,500 | $ 72,000 |
| Dallas-Plano-Irving, TX | 12 | $ 855,000 | $ 71,250 | $ 94,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,300,000 | $ 191,666 | $ 64,000 |
| Rome, GA | 12 | $ 1,014,000 | $ 84,500 | $ 39,000 |
| Macon, GA | 11 | $ 645,000 | $ 58,636 | $ 50,000 |
| Charlotte-Gastonia-Concord, NC-SC | 10 | $ 729,000 | $ 72,900 | $ 86,000 |
| Savannah, GA | 7 | $ 737,000 | $ 105,285 | $ 104,000 |
| Durham, NC | 6 | $ 402,000 | $ 67,000 | $ 154,000 |
| Jacksonville, FL | 6 | $ 635,000 | $ 105,833 | $ 40,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 211,000 | $ 42,200 | $ 164,000 |
| Harrisburg-Carlisle, PA | 5 | $ 305,000 | $ 61,000 | $ 154,000 |
| Huntsville, AL | 5 | $ 199,000 | $ 39,800 | $ 37,000 |
| Panama City-Lynn Haven, FL | 5 | $ 687,000 | $ 137,400 | $ 206,000 |
| Tuscaloosa, AL | 5 | $ 311,000 | $ 62,200 | $ 67,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 446,000 | $ 111,500 | $ 160,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 676,000 | $ 169,000 | $ 266,000 |
| Anniston-Oxford, AL | 3 | $ 204,000 | $ 68,000 | $ 11,000 |
| Athens-Clarke County, GA | 3 | $ 426,000 | $ 142,000 | $ 78,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 147,000 | $ 49,000 | $ 105,000 |
| Columbia, SC | 3 | $ 282,000 | $ 94,000 | $ 67,000 |
| Dalton, GA | 3 | $ 238,000 | $ 79,333 | $ 44,000 |
| Florence-Muscle Shoals, AL | 3 | $ 388,000 | $ 129,333 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 570,000 | $ 190,000 | $ 139,000 |
| Mobile, AL | 3 | $ 153,000 | $ 51,000 | $ 48,000 |
| Ocala, FL | 3 | $ 421,000 | $ 140,333 | $ 187,000 |
| Baltimore-Towson, MD | 2 | $ 95,000 | $ 47,500 | $ 64,000 |
| Brunswick, GA | 2 | $ 59,000 | $ 29,500 | $ 41,000 |
| Decatur, AL | 2 | $ 127,000 | $ 63,500 | $ 29,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 182,000 | $ 91,000 | $ 60,000 |
| Warner Robins, GA | 2 | $ 130,000 | $ 65,000 | $ 41,000 |
| Winchester, VA-WV | 2 | $ 973,000 | $ 486,500 | $ 149,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 130,000 | $ 65,000 | $ 98,000 |
| Auburn-Opelika, AL | 1 | $ 71,000 | $ 71,000 | $ 31,000 |
| Austin-Round Rock, TX | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 492,000 | $ 492,000 | $ 144,000 |
| Charlottesville, VA | 1 | $ 330,000 | $ 330,000 | $ 330,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 351,000 | $ 351,000 | $ 180,000 |
| Lafayette, IN | 1 | $ 76,000 | $ 76,000 | $ 68,000 |
| Lakeland, FL | 1 | $ 240,000 | $ 240,000 | $ 55,000 |
| Lexington-Fayette, KY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 188,000 | $ 188,000 | $ 65,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Raleigh-Cary, NC | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Tallahassee, FL | 1 | $ 300,000 | $ 300,000 | $ 106,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 572,000 | $ 572,000 | $ 152,000 |
| Wilmington, DE-MD-NJ | 1 | $ 347,000 | $ 347,000 | $ 114,000 |
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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