# MORTGAGE ONE OF THE SOUTH, INC.

> **Canonical URL:** https://saferate.com/lenders/mortgage-one-of-the-south

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

MORTGAGE ONE OF THE SOUTH, INC. is a independent mortgage company, headquartered in Fort Walton Beach, FL, with 56 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZK7CUY4GNBNC41
- **Headquarters:** Fort Walton Beach, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.456%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,524
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 56
- **Dollar Volume:** $22 million
- **Applications Received:** 78
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $384,286
- **Average Borrower Income:** $153,339

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 21 | -0.158% | $2,059 | Acceptable 🙂 |
| VA | 64/100 | 32 | -0.722% | $1,157 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 21 loans, Score: 27/100 (Acceptable)

**VA:**
- Purchase: 31 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 55 | $21M | -0.456% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 56 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Crestview | FL | 37 | 73/100 |
| Pensacola | FL | 16 | 56/100 |

## Frequently Asked Questions

### What loan types does MORTGAGE ONE OF THE SOUTH, INC. offer?

MORTGAGE ONE OF THE SOUTH, INC. offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MORTGAGE ONE OF THE SOUTH, INC. offer mortgages?

MORTGAGE ONE OF THE SOUTH, INC. offers mortgages in 1 states: FL.

### How competitive are MORTGAGE ONE OF THE SOUTH, INC.'s mortgage rates?

MORTGAGE ONE OF THE SOUTH, INC. has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.456% below market average.

### What type of lender is MORTGAGE ONE OF THE SOUTH, INC.?

MORTGAGE ONE OF THE SOUTH, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Fort Walton Beach, FL.

### What is MORTGAGE ONE OF THE SOUTH, INC.'s loan approval success rate?

MORTGAGE ONE OF THE SOUTH, INC. has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/mortgage-one-of-the-south

### How to Cite

> "MORTGAGE ONE OF THE SOUTH, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-one-of-the-south

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