Angel Oak Home Loans LLC Mortgage Lending & HMDA Data, 2014

In 2014, Angel Oak Home Loans LLC of Atlanta, GA reported 2,431 mortgage applications totaling $625.1 million, up 87% from 2013. The average application was for $257,118, and applicants reported an average income of $118,689. 66% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,397), Orlando-Kissimmee-Sanford, FL (121) and Los Angeles-Long Beach-Glendale, CA (72) (applications in parentheses).

Mortgage Company & Address Angel Oak Home Loans LLC
3600 Peachtree Road Nw, Suite 500
Atlanta, GA 30305
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  
Total Number of Mortgage Applications 2,431
Total Mortgage Loan Application Amount $625,055,000
Average Mortgage Loan Application Amount $257,118
Highest Mortgage Loan Application Amount $4,900,000
Average Applicant Income $118,689
Highest Applicant Income $2,908,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Angel Oak Home Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Angel Oak Home Loans LLC by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 310 $ 100,755,000 $ 325,016 $ 147,000
Cobb, Georgia 262 $ 65,105,000 $ 248,492 $ 106,000
Gwinnett, Georgia 149 $ 27,990,000 $ 187,852 $ 80,000
DeKalb, Georgia 123 $ 31,472,000 $ 255,869 $ 123,000
Forsyth, Georgia 112 $ 32,335,000 $ 288,705 $ 121,000
Cherokee, Georgia 102 $ 24,179,000 $ 237,049 $ 108,000
Henry, Georgia 95 $ 18,068,000 $ 190,189 $ 63,000
Orange, Florida 74 $ 20,325,000 $ 274,662 $ 116,000
Los Angeles, California 72 $ 43,214,000 $ 600,194 $ 224,000
Palm Beach, Florida 70 $ 16,728,000 $ 238,971 $ 156,000
Broward, Florida 54 $ 12,768,000 $ 236,444 $ 142,000
Miami-Dade, Florida 52 $ 14,575,000 $ 280,288 $ 156,000
Paulding, Georgia 49 $ 7,619,000 $ 155,489 $ 71,000
Walton, Florida 33 $ 11,257,000 $ 341,121 $ 156,000
Fayette, Georgia 32 $ 8,408,000 $ 262,750 $ 99,000
St. Lucie, Florida 31 $ 3,318,000 $ 107,032 $ 65,000
Greenville, South Carolina 29 $ 6,416,000 $ 221,241 $ 103,000
Douglas, Georgia 26 $ 4,460,000 $ 171,538 $ 91,000
Coweta, Georgia 25 $ 4,450,000 $ 178,000 $ 73,000
Orange, California 23 $ 13,069,000 $ 568,217 $ 289,000
Riverside, California 22 $ 6,023,000 $ 273,772 $ 112,000
Lee, Florida 22 $ 3,303,000 $ 150,136 $ 110,000
Jackson, Georgia 22 $ 5,230,000 $ 237,727 $ 92,000
Seminole, Florida 21 $ 4,269,000 $ 203,285 $ 100,000
Newton, Georgia 21 $ 3,565,000 $ 169,761 $ 70,000
Clayton, Georgia 20 $ 2,180,000 $ 109,000 $ 59,000
Duval, Florida 18 $ 3,930,000 $ 218,333 $ 120,000
San Bernardino, California 17 $ 3,960,000 $ 232,941 $ 129,000
Hillsborough, Florida 17 $ 3,313,000 $ 194,882 $ 223,000
Lowndes, Georgia 17 $ 2,996,000 $ 176,235 $ 74,000
Collier, Florida 16 $ 3,694,000 $ 230,875 $ 129,000
Bartow, Georgia 16 $ 2,813,000 $ 175,812 $ 65,000
Pinellas, Florida 15 $ 3,322,000 $ 221,466 $ 110,000
Berrien, Georgia 15 $ 1,764,000 $ 117,600 $ 57,000
Osceola, Florida 14 $ 2,539,000 $ 181,357 $ 97,000
Volusia, Florida 14 $ 1,789,000 $ 127,785 $ 64,000
Hall, Georgia 14 $ 3,310,000 $ 236,428 $ 104,000
Rockdale, Georgia 13 $ 1,923,000 $ 147,923 $ 57,000
Brevard, Florida 12 $ 1,724,000 $ 143,666 $ 79,000
Lake, Florida 12 $ 2,220,000 $ 185,000 $ 76,000
Polk, Florida 12 $ 1,364,000 $ 113,666 $ 59,000
San Diego, California 10 $ 4,996,000 $ 499,600 $ 269,000
Manatee, Florida 10 $ 2,461,000 $ 246,100 $ 130,000
Martin, Florida 10 $ 2,720,000 $ 272,000 $ 136,000
Barrow, Georgia 10 $ 1,849,000 $ 184,900 $ 130,000
Bay, Florida 9 $ 2,029,000 $ 225,444 $ 77,000
Pasco, Florida 9 $ 2,060,000 $ 228,888 $ 117,000
St. Johns, Florida 9 $ 2,151,000 $ 239,000 $ 109,000
Nassau, Florida 8 $ 1,749,000 $ 218,625 $ 99,000
Dawson, Georgia 8 $ 2,085,000 $ 260,625 $ 133,000
McIntosh, Georgia 8 $ 991,000 $ 123,875 $ 41,000
Walton, Georgia 8 $ 1,329,000 $ 166,125 $ 64,000
Stark, North Dakota 8 $ 1,810,000 $ 226,250 $ 84,000
Contra Costa, California 7 $ 13,073,000 $ 1,867,571 $ 482,000
Berkeley, South Carolina 7 $ 923,000 $ 131,857 $ 80,000
Spartanburg, South Carolina 7 $ 1,098,000 $ 156,857 $ 62,000
Carroll, Georgia 6 $ 844,000 $ 140,666 $ 72,000
Mecklenburg, North Carolina 6 $ 1,715,000 $ 285,833 $ 175,000
Placer, California 5 $ 2,249,000 $ 449,800 $ 285,000
Cook, Georgia 5 $ 824,000 $ 164,800 $ 73,000
Dorchester, South Carolina 5 $ 545,000 $ 109,000 $ 58,000
Lexington, South Carolina 5 $ 1,081,000 $ 216,200 $ 78,000
Jefferson, Alabama 4 $ 777,000 $ 194,250 $ 98,000
Ventura, California 4 $ 1,493,000 $ 373,250 $ 245,000
Indian River, Florida 4 $ 629,000 $ 157,250 $ 101,000
Monroe, Florida 4 $ 2,053,000 $ 513,250 $ 327,000
Camden, Georgia 4 $ 617,000 $ 154,250 $ 70,000
Mitchell, Georgia 4 $ 489,000 $ 122,250 $ 45,000
Wake, North Carolina 4 $ 576,000 $ 144,000 $ 114,000
Anderson, South Carolina 4 $ 1,243,000 $ 310,750 $ 211,000
Charleston, South Carolina 4 $ 2,218,000 $ 554,500 $ 218,000
Sevier, Tennessee 4 $ 729,000 $ 182,250 $ 75,000
Williamson, Tennessee 4 $ 1,373,000 $ 343,250 $ 118,000
Fresno, California 3 $ 786,000 $ 262,000 $ 129,000
Solano, California 3 $ 649,000 $ 216,333 $ 108,000
Clarke, Georgia 3 $ 641,000 $ 213,666 $ 124,000
Fannin, Georgia 3 $ 761,000 $ 253,666 $ 218,000
Floyd, Georgia 3 $ 1,040,000 $ 346,666 $ 196,000
Lanier, Georgia 3 $ 291,000 $ 97,000 $ 42,000
Pickens, Georgia 3 $ 608,000 $ 202,666 $ 78,000
Thomas, Georgia 3 $ 359,000 $ 119,666 $ 67,000
Beaufort, South Carolina 3 $ 1,196,000 $ 398,666 $ 122,000
Horry, South Carolina 3 $ 796,000 $ 265,333 $ 193,000
Richland, South Carolina 3 $ 1,072,000 $ 357,333 $ 113,000
Mobile, Alabama 2 $ 196,000 $ 98,000 $ 82,000
San Joaquin, California 2 $ 538,000 $ 269,000 $ 158,000
Santa Clara, California 2 $ 1,540,000 $ 770,000 $ 258,000
Alachua, Florida 2 $ 204,000 $ 102,000 $ 86,000
Charlotte, Florida 2 $ 280,000 $ 140,000 $ 69,000
Flagler, Florida 2 $ 212,000 $ 106,000 $ 71,000
Hernando, Florida 2 $ 228,000 $ 114,000 $ 72,000
Sarasota, Florida 2 $ 364,000 $ 182,000 $ 98,000
Ben Hill, Georgia 2 $ 181,000 $ 90,500 $ 21,000
Brooks, Georgia 2 $ 301,000 $ 150,500 $ 98,000
Gilmer, Georgia 2 $ 363,000 $ 181,500 $ 63,000
Glynn, Georgia 2 $ 613,000 $ 306,500 $ 144,000
Harris, Georgia 2 $ 221,000 $ 110,500 $ 52,000
Oconee, Georgia 2 $ 812,000 $ 406,000 $ 115,000
Pike, Georgia 2 $ 331,000 $ 165,500 $ 107,000
Spalding, Georgia 2 $ 266,000 $ 133,000 $ 46,000
Union, Georgia 2 $ 437,000 $ 218,500 $ 249,000
Forsyth, North Carolina 2 $ 284,000 $ 142,000 $ 74,000
Golden Valley, North Dakota 2 $ 253,000 $ 126,500 $ 50,000
Oconee, South Carolina 2 $ 311,000 $ 155,500 $ 122,000
Pickens, South Carolina 2 $ 259,000 $ 129,500 $ 144,000
Knox, Tennessee 2 $ 247,000 $ 123,500 $ 59,000
Rutherford, Tennessee 2 $ 377,000 $ 188,500 $ 137,000
Shelby, Tennessee 2 $ 208,000 $ 104,000 $ 95,000
Collin, Texas 2 $ 487,000 $ 243,500 $ 100,000
Baldwin, Alabama 1 $ 370,000 $ 370,000 $ 70,000
Blount, Alabama 1 $ 135,000 $ 135,000 $ 56,000
Clarke, Alabama 1 $ 150,000 $ 150,000 $ 104,000
Limestone, Alabama 1 $ 85,000 $ 85,000 $ 52,000
Madison, Alabama 1 $ 145,000 $ 145,000 $ 86,000
Montgomery, Alabama 1 $ 585,000 $ 585,000 $ 282,000
Randolph, Alabama 1 $ 137,000 $ 137,000 $ 75,000
Shelby, Alabama 1 $ 534,000 $ 534,000 $ 295,000
Talladega, Alabama 1 $ 111,000 $ 111,000 $ 51,000
Alameda, California 1 $ 550,000 $ 550,000 $ 179,000
Butte, California 1 $ 160,000 $ 160,000 $ 107,000
Calaveras, California 1 $ 410,000 $ 410,000 $ 142,000
El Dorado, California 1 $ 402,000 $ 402,000 $ 121,000
Kern, California 1 $ 81,000 $ 81,000 $ 91,000
Marin, California 1 $ 800,000 $ 800,000 $ 360,000
Sacramento, California 1 $ 270,000 $ 270,000 $ 96,000
Santa Barbara, California 1 $ 479,000 $ 479,000 $ 255,000
Santa Cruz, California 1 $ 825,000 $ 825,000 $ 210,000
Clay, Florida 1 $ 132,000 $ 132,000 $ 56,000
Escambia, Florida 1 $ 293,000 $ 293,000 $ 161,000
Gadsden, Florida 1 $ 85,000 $ 85,000 $ 35,000
Gulf, Florida 1 $ 199,000 $ 199,000 $ 143,000
Lafayette, Florida 1 $ 80,000 $ 80,000 $ 55,000
Levy, Florida 1 $ 83,000 $ 83,000 $ 49,000
Madison, Florida 1 $ 73,000 $ 73,000 $ 68,000
Marion, Florida 1 $ 170,000 $ 170,000 $ 125,000
Okaloosa, Florida 1 $ 187,000 $ 187,000 $ 49,000
Suwannee, Florida 1 $ 220,000 $ 220,000 $ 130,000
Bibb, Georgia 1 $ 87,000 $ 87,000 $ 58,000
Chatham, Georgia 1 $ 75,000 $ 75,000 $ 35,000
Dodge, Georgia 1 $ 59,000 $ 59,000 $ 31,000
Dougherty, Georgia 1 $ 108,000 $ 108,000 $ 30,000
Elbert, Georgia 1 $ 60,000 $ 60,000 $ 39,000
Franklin, Georgia 1 $ 145,000 $ 145,000 $ 57,000
Gordon, Georgia 1 $ 134,000 $ 134,000 $ 96,000
Greene, Georgia 1 $ 58,000 $ 58,000 $ 45,000
Haralson, Georgia 1 $ 122,000 $ 122,000 $ 82,000
Jasper, Georgia 1 $ 120,000 $ 120,000 $ 36,000
Laurens, Georgia 1 $ 94,000 $ 94,000 $ 54,000
Lumpkin, Georgia 1 $ 543,000 $ 543,000 $ 501,000
Madison, Georgia 1 $ 111,000 $ 111,000 $ 34,000
Marion, Georgia 1 $ 212,000 $ 212,000 $ 59,000
Meriwether, Georgia 1 $ 83,000 $ 83,000 $ 61,000
Monroe, Georgia 1 $ 295,000 $ 295,000 $ 260,000
Muscogee, Georgia 1 $ 147,000 $ 147,000 $ 63,000
Polk, Georgia 1 $ 138,000 $ 138,000 $ 127,000
Putnam, Georgia 1 $ 149,000 $ 149,000 $ 131,000
Richmond, Georgia 1 $ 107,000 $ 107,000 $ 32,000
Towns, Georgia 1 $ 90,000 $ 90,000 $ 51,000
Whitfield, Georgia 1 $ 110,000 $ 110,000 $ 92,000
Alamance, North Carolina 1 $ 77,000 $ 77,000 $ 42,000
Buncombe, North Carolina 1 $ 320,000 $ 320,000 $ 159,000
Franklin, North Carolina 1 $ 147,000 $ 147,000 $ 50,000
Guilford, North Carolina 1 $ 276,000 $ 276,000 $ 283,000
Union, North Carolina 1 $ 160,000 $ 160,000 $ 108,000
Florence, South Carolina 1 $ 102,000 $ 102,000 $ 85,000
Georgetown, South Carolina 1 $ 113,000 $ 113,000 $ 66,000
Kershaw, South Carolina 1 $ 148,000 $ 148,000 $ 133,000
York, South Carolina 1 $ 307,000 $ 307,000 $ 185,000
Blount, Tennessee 1 $ 104,000 $ 104,000 $ 49,000
Davidson, Tennessee 1 $ 338,000 $ 338,000 $ 173,000
Gibson, Tennessee 1 $ 229,000 $ 229,000 $ 47,000
Hamilton, Tennessee 1 $ 80,000 $ 80,000 $ 37,000
Jefferson, Tennessee 1 $ 143,000 $ 143,000 $ 63,000
Obion, Tennessee 1 $ 112,000 $ 112,000 $ 68,000
Washington, Tennessee 1 $ 75,000 $ 75,000 $ 24,000
Ellis, Texas 1 $ 296,000 $ 296,000 $ 188,000
Harris, Texas 1 $ 485,000 $ 485,000 $ 266,000
Williamson, Texas 1 $ 194,000 $ 194,000 $ 108,000
Milwaukee, Wisconsin 1 $ 100,000 $ 100,000 $ 86,000
Outagamie, Wisconsin 1 $ 218,000 $ 218,000 $ 139,000

Mortgage Loan Application Detail Totals for Angel Oak Home Loans LLC in 2014

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 1,970 $483,375,000 $245,000 $4,900,000 $113,000 $2,908,000
Refinancing 461 $141,680,000 $307,000 $4,555,000 $143,000 $1,824,000
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 1,418 $384,514,000 $271,000 $4,555,000 $128,000 $2,908,000
Black or African American 409 $83,736,000 $204,000 $950,000 $81,000 $362,000
Hispanic 280 $61,853,000 $220,000 $4,900,000 $101,000 $1,089,000
Not Provided 204 $63,562,000 $311,000 $1,760,000 $146,000 $2,696,000
Asian 107 $28,465,000 $266,000 $1,100,000 $136,000 $1,824,000
Native Hawaiian or Other Pacific Islander 8 $1,575,000 $196,000 $371,000 $113,000 $185,000
American Indian or Alaskan Native 5 $1,350,000 $270,000 $355,000 $138,000 $333,000
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) 1,748 $492,871,000 $281,000 $4,900,000 $139,000 $2,908,000
FHA-insured (Federal Housing Administration) 472 $87,306,000 $184,000 $609,000 $65,000 $281,000
VA-guaranteed (Veterans Administration) 150 $35,615,000 $237,000 $667,000 $80,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 61 $9,263,000 $151,000 $321,000 $49,000 $94,000

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 1,612 $405,703,000 $251,000 $2,000,000 $121,000 $2,908,000
Application Withdrawn By Applicant 422 $126,097,000 $298,000 $4,900,000 $118,000 $1,089,000
Application Denied By Financial Institution 257 $59,789,000 $232,000 $1,680,000 $100,000 $907,000
File Closed For Incompleteness 113 $26,259,000 $232,000 $1,050,000 $119,000 $660,000
Application Approved But Not Accepted 27 $7,207,000 $266,000 $1,209,000 $138,000 $814,000
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
Debt-To-Income Ratio 91 $22,182,000 $243,000 $1,100,000 $85,000 $677,000
Credit History 57 $12,407,000 $217,000 $1,680,000 $88,000 $565,000
Collateral 43 $8,205,000 $190,000 $822,000 $98,000 $365,000
Unverifiable Information 24 $4,514,000 $188,000 $667,000 $108,000 $458,000
Other 10 $2,572,000 $257,000 $668,000 $115,000 $270,000
Insufficient Cash (Downpayment, Closing Cost) 9 $3,212,000 $356,000 $1,435,000 $265,000 $907,000
Credit Application Incomplete 4 $1,194,000 $298,000 $477,000 $169,000 $300,000
Employment History 4 $891,000 $222,000 $416,000 $145,000 $324,000
Mortgage Insurance Denied 2 $295,000 $147,000 $204,000 $77,000 $100,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Angel Oak Home Loans LLC's 2014 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 Angel Oak Home Loans LLC'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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