Angel Oak Home Loans LLC Mortgage Lending & HMDA Data, 2016

In 2016, Angel Oak Home Loans LLC of Atlanta, GA reported 2,284 mortgage applications totaling $636.4 million, down 12% from 2015. The average application was for $278,643, and applicants reported an average income of $127,754. 70% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (816), Tampa-St. Petersburg-Clearwater, FL (194) and Jacksonville, FL (191) (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 2,284
Total Mortgage Loan Application Amount $636,422,000
Average Mortgage Loan Application Amount $278,643
Highest Mortgage Loan Application Amount $2,329,000
Average Applicant Income $127,754
Highest Applicant Income $2,501,000

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(HMDA) records Angel Oak Home Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 248 $ 82,040,000 $ 330,806 $ 193,000
Cobb, Georgia 151 $ 40,233,000 $ 266,443 $ 124,000
Duval, Florida 144 $ 25,667,000 $ 178,243 $ 86,000
Hillsborough, Florida 115 $ 21,065,000 $ 183,173 $ 89,000
DeKalb, Georgia 109 $ 31,446,000 $ 288,495 $ 134,000
Cherokee, Georgia 94 $ 22,275,000 $ 236,968 $ 92,000
Gwinnett, Georgia 81 $ 20,265,000 $ 250,185 $ 114,000
Broward, Florida 79 $ 18,438,000 $ 233,392 $ 103,000
Orange, Florida 67 $ 15,307,000 $ 228,462 $ 92,000
Orange, California 64 $ 42,557,000 $ 664,953 $ 177,000
Mecklenburg, North Carolina 64 $ 17,416,000 $ 272,125 $ 117,000
Wake, North Carolina 62 $ 14,692,000 $ 236,967 $ 93,000
Pasco, Florida 53 $ 10,858,000 $ 204,867 $ 81,000
Los Angeles, California 51 $ 23,817,000 $ 467,000 $ 198,000
Cook, Illinois 50 $ 9,295,000 $ 185,900 $ 105,000
Osceola, Florida 43 $ 7,107,000 $ 165,279 $ 72,000
Forsyth, Georgia 39 $ 12,290,000 $ 315,128 $ 139,000
Santa Barbara, California 37 $ 23,494,000 $ 634,972 $ 198,000
St. Johns, Florida 27 $ 6,198,000 $ 229,555 $ 119,000
San Bernardino, California 24 $ 6,931,000 $ 288,791 $ 92,000
Palm Beach, Florida 24 $ 8,986,000 $ 374,416 $ 307,000
Volusia, Florida 23 $ 3,857,000 $ 167,695 $ 78,000
Pinellas, Florida 21 $ 4,692,000 $ 223,428 $ 123,000
Paulding, Georgia 21 $ 4,327,000 $ 206,047 $ 87,000
Kankakee, Illinois 20 $ 3,817,000 $ 190,850 $ 88,000
Will, Illinois 20 $ 4,516,000 $ 225,800 $ 109,000
Harris, Texas 20 $ 4,709,000 $ 235,450 $ 139,000
Riverside, California 19 $ 6,032,000 $ 317,473 $ 126,000
Miami-Dade, Florida 16 $ 7,321,000 $ 457,562 $ 171,000
Clay, Florida 14 $ 3,412,000 $ 243,714 $ 168,000
Polk, Florida 14 $ 2,372,000 $ 169,428 $ 68,000
Douglas, Georgia 14 $ 2,967,000 $ 211,928 $ 69,000
Fayette, Georgia 11 $ 2,940,000 $ 267,272 $ 170,000
Ventura, California 10 $ 7,342,000 $ 734,200 $ 286,000
Seminole, Florida 10 $ 2,173,000 $ 217,300 $ 75,000
York, South Carolina 10 $ 2,198,000 $ 219,800 $ 90,000
Cabarrus, North Carolina 9 $ 1,366,000 $ 151,777 $ 69,000
Union, North Carolina 9 $ 2,409,000 $ 267,666 $ 149,000
San Diego, California 8 $ 4,551,000 $ 568,875 $ 246,000
Monroe, Florida 8 $ 3,779,000 $ 472,375 $ 169,000
Bartow, Georgia 8 $ 1,522,000 $ 190,250 $ 75,000
Hall, Georgia 8 $ 2,200,000 $ 275,000 $ 104,000
Henry, Georgia 8 $ 1,631,000 $ 203,875 $ 76,000
Jackson, Georgia 8 $ 1,522,000 $ 190,250 $ 62,000
Tarrant, Texas 8 $ 1,993,000 $ 249,125 $ 95,000
Brevard, Florida 7 $ 2,387,000 $ 341,000 $ 148,000
Lee, Florida 7 $ 1,482,000 $ 211,714 $ 172,000
Davidson, Tennessee 7 $ 2,988,000 $ 426,857 $ 232,000
Collin, Texas 7 $ 1,568,000 $ 224,000 $ 148,000
Dallas, Texas 7 $ 2,953,000 $ 421,857 $ 157,000
Contra Costa, California 6 $ 2,632,000 $ 438,666 $ 174,000
Lake, Florida 6 $ 774,000 $ 129,000 $ 68,000
Manatee, Florida 6 $ 2,370,000 $ 395,000 $ 110,000
Coweta, Georgia 6 $ 1,495,000 $ 249,166 $ 102,000
Durham, North Carolina 6 $ 1,303,000 $ 217,166 $ 108,000
Franklin, North Carolina 6 $ 1,079,000 $ 179,833 $ 61,000
Iredell, North Carolina 6 $ 1,684,000 $ 280,666 $ 93,000
Lancaster, South Carolina 6 $ 1,508,000 $ 251,333 $ 88,000
Travis, Texas 6 $ 1,396,000 $ 232,666 $ 150,000
Kern, California 5 $ 961,000 $ 192,200 $ 43,000
Flagler, Florida 5 $ 1,244,000 $ 248,800 $ 95,000
Hernando, Florida 5 $ 888,000 $ 177,600 $ 96,000
Nassau, Florida 5 $ 952,000 $ 190,400 $ 160,000
Okaloosa, Florida 5 $ 2,136,000 $ 427,200 $ 132,000
Carroll, Georgia 5 $ 675,000 $ 135,000 $ 65,000
Pickens, Georgia 5 $ 1,018,000 $ 203,600 $ 135,000
Lincoln, North Carolina 5 $ 1,264,000 $ 252,800 $ 87,000
Williamson, Tennessee 5 $ 2,558,000 $ 511,600 $ 282,000
Denton, Texas 5 $ 2,207,000 $ 441,400 $ 395,000
Fort Bend, Texas 5 $ 1,272,000 $ 254,400 $ 116,000
Montgomery, Texas 5 $ 2,041,000 $ 408,200 $ 166,000
Sacramento, California 4 $ 997,000 $ 249,250 $ 155,000
San Mateo, California 4 $ 4,226,000 $ 1,056,500 $ 230,000
Santa Rosa, Florida 4 $ 637,000 $ 159,250 $ 39,000
Rockdale, Georgia 4 $ 504,000 $ 126,000 $ 80,000
Dorchester, South Carolina 4 $ 719,000 $ 179,750 $ 65,000
Bexar, Texas 4 $ 1,132,000 $ 283,000 $ 160,000
Alameda, California 3 $ 1,849,000 $ 616,333 $ 146,000
Charlotte, Florida 3 $ 239,000 $ 79,666 $ 43,000
Collier, Florida 3 $ 1,242,000 $ 414,000 $ 560,000
Marion, Florida 3 $ 615,000 $ 205,000 $ 122,000
St. Lucie, Florida 3 $ 590,000 $ 196,666 $ 77,000
Clayton, Georgia 3 $ 424,000 $ 141,333 $ 28,000
DuPage, Illinois 3 $ 497,000 $ 165,666 $ 83,000
Kendall, Illinois 3 $ 583,000 $ 194,333 $ 108,000
Montgomery, Maryland 3 $ 1,328,000 $ 442,666 $ 114,000
Prince George's, Maryland 3 $ 870,000 $ 290,000 $ 84,000
Brunswick, North Carolina 3 $ 695,000 $ 231,666 $ 136,000
Granville, North Carolina 3 $ 464,000 $ 154,666 $ 84,000
Johnston, North Carolina 3 $ 424,000 $ 141,333 $ 168,000
Orange, North Carolina 3 $ 414,000 $ 138,000 $ 64,000
Horry, South Carolina 3 $ 1,104,000 $ 368,000 $ 112,000
Guadalupe, Texas 3 $ 538,000 $ 179,333 $ 121,000
Baldwin, Alabama 2 $ 383,000 $ 191,500 $ 345,000
Shelby, Alabama 2 $ 423,000 $ 211,500 $ 49,000
Placer, California 2 $ 683,000 $ 341,500 $ 90,000
San Joaquin, California 2 $ 659,000 $ 329,500 $ 89,000
Santa Clara, California 2 $ 2,173,000 $ 1,086,500 $ 292,000
Tulare, California 2 $ 166,000 $ 83,000 $ 74,000
Indian River, Florida 2 $ 390,000 $ 195,000 $ 75,000
Putnam, Florida 2 $ 371,000 $ 185,500 $ 129,000
Sarasota, Florida 2 $ 439,000 $ 219,500 $ 125,000
Clarke, Georgia 2 $ 531,000 $ 265,500 $ 140,000
Dawson, Georgia 2 $ 1,341,000 $ 670,500 $ 128,000
Fannin, Georgia 2 $ 540,000 $ 270,000 $ 157,000
Floyd, Georgia 2 $ 479,000 $ 239,500 $ 80,000
Glynn, Georgia 2 $ 419,000 $ 209,500 $ 27,000
Haralson, Georgia 2 $ 245,000 $ 122,500 $ 89,000
Hart, Georgia 2 $ 595,000 $ 297,500 $ 302,000
Madison, Georgia 2 $ 457,000 $ 228,500 $ 213,000
Marion, Georgia 2 $ 329,000 $ 164,500 $ 100,000
Oconee, Georgia 2 $ 397,000 $ 198,500 $ 45,000
Walton, Georgia 2 $ 473,000 $ 236,500 $ 105,000
Gaston, North Carolina 2 $ 205,000 $ 102,500 $ 47,000
Harnett, North Carolina 2 $ 739,000 $ 369,500 $ 139,000
Jackson, North Carolina 2 $ 822,000 $ 411,000 $ 185,000
Moore, North Carolina 2 $ 985,000 $ 492,500 $ 368,000
Rowan, North Carolina 2 $ 173,000 $ 86,500 $ 89,000
Warren, North Carolina 2 $ 445,000 $ 222,500 $ 87,000
Charleston, South Carolina 2 $ 737,000 $ 368,500 $ 84,000
Sumner, Tennessee 2 $ 226,000 $ 113,000 $ 42,000
Parker, Texas 2 $ 568,000 $ 284,000 $ 39,000
Virginia Beach, Virginia 2 $ 517,000 $ 258,500 $ 192,000
Kenosha, Wisconsin 2 $ 367,000 $ 183,500 $ 113,000
Tallapoosa, Alabama 1 $ 115,000 $ 115,000 $ 48,000
Maricopa, Arizona 1 $ 333,000 $ 333,000 $ 94,000
Fresno, California 1 $ 287,000 $ 287,000 $ 94,000
Santa Cruz, California 1 $ 555,000 $ 555,000 $ 100,000
Yolo, California 1 $ 192,000 $ 192,000 $ 122,000
Alachua, Florida 1 $ 141,000 $ 141,000 $ 87,000
Baker, Florida 1 $ 205,000 $ 205,000 $ 68,000
Bay, Florida 1 $ 180,000 $ 180,000 $ 89,000
DeSoto, Florida 1 $ 65,000 $ 65,000 $ 297,000
Martin, Florida 1 $ 177,000 $ 177,000 $ 78,000
Sumter, Florida 1 $ 270,000 $ 270,000 $ 59,000
Barrow, Georgia 1 $ 79,000 $ 79,000 $ 141,000
Berrien, Georgia 1 $ 139,000 $ 139,000 $ 52,000
Bryan, Georgia 1 $ 124,000 $ 124,000 $ 86,000
Clinch, Georgia 1 $ 123,000 $ 123,000 $ 78,000
Gilmer, Georgia 1 $ 70,000 $ 70,000 $ 11,000
Gordon, Georgia 1 $ 241,000 $ 241,000 $ 176,000
Hancock, Georgia 1 $ 153,000 $ 153,000 $ 42,000
Macon, Georgia 1 $ 315,000 $ 315,000 $ 93,000
Monroe, Georgia 1 $ 289,000 $ 289,000 $ 260,000
Newton, Georgia 1 $ 75,000 $ 75,000 $ 152,000
Pierce, Georgia 1 $ 68,000 $ 68,000 $ 29,000
Rabun, Georgia 1 $ 416,000 $ 416,000 $ 100,000
Spalding, Georgia 1 $ 234,000 $ 234,000 $ 45,000
Livingston, Illinois 1 $ 75,000 $ 75,000 $ 43,000
McHenry, Illinois 1 $ 234,000 $ 234,000 $ 168,000
St. Clair, Illinois 1 $ 281,000 $ 281,000 $ 203,000
Jefferson, Louisiana 1 $ 159,000 $ 159,000 $ 44,000
St. Charles, Louisiana 1 $ 220,000 $ 220,000 $ 82,000
Baltimore, Maryland 1 $ 365,000 $ 365,000 $ 116,000
Howard, Maryland 1 $ 448,000 $ 448,000 $ 222,000
Ashe, North Carolina 1 $ 111,000 $ 111,000 $ 337,000
Chatham, North Carolina 1 $ 310,000 $ 310,000 $ 78,000
Columbus, North Carolina 1 $ 204,000 $ 204,000 $ 96,000
Lee, North Carolina 1 $ 137,000 $ 137,000 $ 38,000
Montgomery, North Carolina 1 $ 98,000 $ 98,000 $ 59,000
New Hanover, North Carolina 1 $ 83,000 $ 83,000 $ 62,000
Wilkes, North Carolina 1 $ 216,000 $ 216,000 $ 68,000
Beaufort, South Carolina 1 $ 275,000 $ 275,000 $ 98,000
Fairfield, South Carolina 1 $ 264,000 $ 264,000 $ 1,298,000
Kershaw, South Carolina 1 $ 83,000 $ 83,000 $ 95,000
Cheatham, Tennessee 1 $ 388,000 $ 388,000 $ 175,000
Maury, Tennessee 1 $ 187,000 $ 187,000 $ 58,000
Shelby, Tennessee 1 $ 129,000 $ 129,000 $ 114,000
Tipton, Tennessee 1 $ 87,000 $ 87,000 $ 48,000
Bastrop, Texas 1 $ 169,000 $ 169,000 $ 0
Bell, Texas 1 $ 158,000 $ 158,000 $ 129,000
Brazoria, Texas 1 $ 416,000 $ 416,000 $ 191,000
Cherokee, Texas 1 $ 98,000 $ 98,000 $ 93,000
Comal, Texas 1 $ 134,000 $ 134,000 $ 106,000
El Paso, Texas 1 $ 100,000 $ 100,000 $ 0
Grayson, Texas 1 $ 174,000 $ 174,000 $ 74,000
Johnson, Texas 1 $ 341,000 $ 341,000 $ 96,000
Kendall, Texas 1 $ 338,000 $ 338,000 $ 197,000
Williamson, Texas 1 $ 132,000 $ 132,000 $ 64,000
Fairfax, Virginia 1 $ 448,000 $ 448,000 $ 75,000
Richmond City, Virginia 1 $ 349,000 $ 349,000 $ 212,000
Milwaukee, Wisconsin 1 $ 137,000 $ 137,000 $ 76,000

Mortgage Loan Application Detail Totals for Angel Oak Home Loans LLC in 2016

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 1,748 $453,324,000 $259,000 $1,988,000 $124,000 $2,501,000
Refinancing 536 $183,098,000 $341,000 $2,329,000 $140,000 $1,821,000
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 1,488 $434,728,000 $292,000 $2,329,000 $136,000 $2,501,000
Black or African American 251 $59,824,000 $238,000 $1,760,000 $100,000 $480,000
Hispanic 244 $58,076,000 $238,000 $945,000 $94,000 $401,000
Not Provided 181 $47,670,000 $263,000 $1,695,000 $129,000 $1,101,000
Asian 105 $33,109,000 $315,000 $975,000 $150,000 $726,000
American Indian or Alaskan Native 10 $1,850,000 $185,000 $415,000 $76,000 $205,000
Native Hawaiin or Other Pacific Islander 5 $1,165,000 $233,000 $356,000 $68,000 $170,000
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) 1,688 $500,709,000 $296,000 $2,329,000 $146,000 $2,501,000
FHA-insured (Federal Housing Administration) 447 $96,543,000 $215,000 $636,000 $73,000 $303,000
VA-guaranteed (Veterans Administration) 123 $34,563,000 $281,000 $729,000 $88,000 $334,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 26 $4,607,000 $177,000 $381,000 $58,000 $90,000

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 1,594 $423,850,000 $265,000 $2,329,000 $124,000 $2,501,000
Application Withdrawn By Applicant 299 $92,017,000 $307,000 $1,760,000 $134,000 $1,213,000
Application Approved But Not Accepted 189 $51,100,000 $270,000 $1,560,000 $125,000 $700,000
Application Denied By Financial Institution 161 $56,568,000 $351,000 $2,000,000 $141,000 $1,791,000
File Closed For Incompleteness 41 $12,887,000 $314,000 $1,700,000 $153,000 $516,000
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 62 $27,477,000 $443,000 $2,000,000 $147,000 $1,791,000
Credit History 41 $13,438,000 $327,000 $1,988,000 $141,000 $421,000
Collateral 17 $3,948,000 $232,000 $729,000 $78,000 $295,000
Unverifiable Information 12 $3,052,000 $254,000 $800,000 $178,000 $726,000
Other 11 $2,430,000 $220,000 $578,000 $99,000 $240,000
Employment History 5 $965,000 $193,000 $275,000 $55,000 $98,000
Insufficient Cash (Downpayment, Closing Cost) 2 $1,692,000 $846,000 $1,275,000 $549,000 $960,000
Credit Application Incomplete 1 $327,000 $327,000 $327,000 $464,000 $464,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Angel Oak Home Loans LLC's 2016 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.
For a list of all lenders in Georgia, download the full spreadsheet with aggregated HMDA statistics today.

Download the Georgia Lender List