Applications / Mortgage Analytics / Lenders / Florida / Mortgage One of the South
Ft. Walton Beach, FL · Non-bank subsidiary of a bank · CFPB · 12 loans in 2025
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12
loans originated, 2025
17
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage One of the South, a Fort Walton Beach, Florida, mortgage lender owned by a bank, made just 12 loans in 2025, down from 760 in 2019.
Its loans have fallen every year since 2019: 490 in 2021, 91 in 2023, 56 in 2024. In 2025 they fell 79%, a steeper drop than almost all similar lenders, meaning lenders of the same broad kind making between an eighth and eight times as many loans. Those fell 5%, and the whole market rose 10%. Its parent bank may have taken over the lending, or the firm may have chosen to wind down; the figures do not show which.
For years most of its loans carried a guarantee from the Department of Veterans Affairs: 60.1% of its 597 loans in 2020 and 57.1% of its 56 in 2024. Similar lenders typically make none.
It lends only around Crestview-Fort Walton Beach-Destin and Pensacola, where it has been since 2006. In its home metro it ranked 292 of 606 lenders, and its share of the dollars lent fell from 0.3% to 0.0%, which follows from its shrinking volume.
With 12 loans in 2025, its shares of loan types, borrowers and prices say little. All 12 were for home purchases.
Similar lenders: lenders of the same broad kind (banks and savings institutions, credit unions or non-banks), originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage One of the South took 17 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
VA 50.0% · Conventional 41.7% · FHA 8.3% · of 12 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 12 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Crestview-Fort Walton Beach-Destin | 6 |
| Pensacola-Ferry Pass-Brent | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZK7CUY4GNBNC41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2920072 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3650924915 | |
| Respondent ID (the HMDA filer code before 2018) | 1650924915 | 2006–2008 |
Established 10 June 1999. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Mortgage One of the South's data.
Mortgage One of the South's data
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Mortgage One of the South and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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