Angel Oak Home Loans LLC Mortgage Lending & HMDA Data, 2015
In 2015, Angel Oak Home Loans LLC of Atlanta, GA reported 2,590 mortgage applications totaling $700.0 million, up 7% from 2014. The average application was for $270,254, and applicants reported an average income of $120,210. 71% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,470), Raleigh, NC (117) and Jacksonville, FL (85) (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 | 2,590 |
| Total Mortgage Loan Application Amount | $699,959,000 |
| Average Mortgage Loan Application Amount | $270,254 |
| Highest Mortgage Loan Application Amount | $2,625,000 |
| Average Applicant Income | $120,210 |
| Highest Applicant Income | $1,838,000 |
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(HMDA) records Angel Oak Home Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 1,470 | $ 392,416,000 | $ 266,949 | $ 121,000 |
| Raleigh, NC | 117 | $ 24,652,000 | $ 210,700 | $ 84,000 |
| Jacksonville, FL | 85 | $ 17,088,000 | $ 201,035 | $ 84,000 |
| Charlotte-Concord-Gastonia, NC-SC | 75 | $ 17,258,000 | $ 230,106 | $ 115,560 |
| Chicago-Naperville-Arlington Heights, IL | 74 | $ 15,210,000 | $ 205,540 | $ 113,000 |
| Orlando-Kissimmee-Sanford, FL | 57 | $ 11,569,000 | $ 202,964 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 52 | $ 16,744,000 | $ 322,000 | $ 122,000 |
| Anaheim-Santa Ana-Irvine, CA | 49 | $ 29,040,000 | $ 592,653 | $ 179,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 42 | $ 11,723,000 | $ 279,119 | $ 136,000 |
| Los Angeles-Long Beach-Glendale, CA | 33 | $ 15,496,000 | $ 469,575 | $ 126,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 29 | $ 8,939,000 | $ 308,241 | $ 124,000 |
| Dallas-Plano-Irving, TX | 23 | $ 9,359,000 | $ 406,913 | $ 235,000 |
| Durham-Chapel Hill, NC | 21 | $ 4,669,000 | $ 222,333 | $ 90,000 |
| New Orleans-Metairie, LA | 19 | $ 3,370,000 | $ 177,368 | $ 71,000 |
| San Diego-Carlsbad, CA | 18 | $ 10,009,000 | $ 556,055 | $ 165,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 4,554,000 | $ 253,000 | $ 117,000 |
| Gainesville, GA | 17 | $ 5,414,000 | $ 318,470 | $ 127,000 |
| Houston-The Woodlands-Sugar Land, TX | 17 | $ 5,844,000 | $ 343,764 | $ 231,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 2,270,000 | $ 174,615 | $ 66,000 |
| Greenville-Anderson-Mauldin, SC | 13 | $ 4,061,000 | $ 312,384 | $ 161,000 |
| Kankakee, IL | 12 | $ 2,030,000 | $ 169,166 | $ 77,000 |
| Valdosta, GA | 11 | $ 1,636,000 | $ 148,727 | $ 63,000 |
| Wilmington, NC | 11 | $ 2,833,000 | $ 257,545 | $ 110,000 |
| Crestview-Fort Walton Beach-Destin, FL | 10 | $ 3,852,000 | $ 385,200 | $ 278,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 3,967,000 | $ 396,700 | $ 150,000 |
| Athens-Clarke County, GA | 9 | $ 2,562,000 | $ 284,666 | $ 108,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,726,000 | $ 215,750 | $ 134,000 |
| Austin-Round Rock, TX | 7 | $ 3,785,000 | $ 540,714 | $ 274,000 |
| Columbus, GA-AL | 7 | $ 1,462,000 | $ 208,857 | $ 72,000 |
| Oakland-Hayward-Berkeley, CA | 7 | $ 2,756,000 | $ 393,714 | $ 132,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,041,000 | $ 173,500 | $ 121,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,135,000 | $ 189,166 | $ 82,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,938,000 | $ 656,333 | $ 236,000 |
| Elgin, IL | 5 | $ 1,238,000 | $ 247,600 | $ 129,000 |
| Modesto, CA | 5 | $ 1,990,000 | $ 398,000 | $ 181,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,156,000 | $ 231,200 | $ 127,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,777,000 | $ 355,400 | $ 130,000 |
| Auburn-Opelika, AL | 4 | $ 611,000 | $ 152,750 | $ 191,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,157,000 | $ 289,250 | $ 309,000 |
| Fresno, CA | 4 | $ 1,622,000 | $ 405,500 | $ 164,000 |
| Macon, GA | 4 | $ 561,000 | $ 140,250 | $ 82,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 523,000 | $ 130,750 | $ 78,000 |
| Boulder, CO | 3 | $ 1,071,000 | $ 357,000 | $ 102,000 |
| Charleston-North Charleston, SC | 3 | $ 1,795,000 | $ 598,333 | $ 425,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,030,000 | $ 343,333 | $ 126,000 |
| Gary, IN | 3 | $ 1,150,000 | $ 383,333 | $ 179,000 |
| Salinas, CA | 3 | $ 1,788,000 | $ 596,000 | $ 338,000 |
| Bakersfield, CA | 2 | $ 210,000 | $ 105,000 | $ 100,000 |
| Birmingham-Hoover, AL | 2 | $ 322,000 | $ 161,000 | $ 81,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 699,000 | $ 349,500 | $ 111,000 |
| El Centro, CA | 2 | $ 316,000 | $ 158,000 | $ 67,000 |
| Greensboro-High Point, NC | 2 | $ 304,000 | $ 152,000 | $ 48,000 |
| Lakeland-Winter Haven, FL | 2 | $ 407,000 | $ 203,500 | $ 71,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 325,000 | $ 162,500 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,141,000 | $ 570,500 | $ 238,000 |
| Panama City, FL | 2 | $ 426,000 | $ 213,000 | $ 119,000 |
| Punta Gorda, FL | 2 | $ 289,000 | $ 144,500 | $ 47,000 |
| Rocky Mount, NC | 2 | $ 295,000 | $ 147,500 | $ 69,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 990,000 | $ 495,000 | $ 128,000 |
| Savannah, GA | 2 | $ 600,000 | $ 300,000 | $ 145,000 |
| Tyler, TX | 2 | $ 580,000 | $ 290,000 | $ 87,000 |
| Visalia-Porterville, CA | 2 | $ 424,000 | $ 212,000 | $ 148,000 |
| Warner Robins, GA | 2 | $ 605,000 | $ 302,500 | $ 152,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 139,000 | $ 139,000 | $ 75,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 220,000 | $ 220,000 | $ 66,000 |
| Baton Rouge, LA | 1 | $ 279,000 | $ 279,000 | $ 68,000 |
| Brunswick, GA | 1 | $ 417,000 | $ 417,000 | $ 313,000 |
| Champaign-Urbana, IL | 1 | $ 104,000 | $ 104,000 | $ 40,000 |
| Chico, CA | 1 | $ 140,000 | $ 140,000 | $ 107,000 |
| Colorado Springs, CO | 1 | $ 267,000 | $ 267,000 | $ 92,000 |
| Columbia, SC | 1 | $ 282,000 | $ 282,000 | $ 150,000 |
| Dalton, GA | 1 | $ 57,000 | $ 57,000 | $ 83,000 |
| Greeley, CO | 1 | $ 131,000 | $ 131,000 | $ 123,000 |
| Hanford-Corcoran, CA | 1 | $ 178,000 | $ 178,000 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 237,000 | $ 237,000 | $ 64,000 |
| Hinesville, GA | 1 | $ 267,000 | $ 267,000 | $ 184,000 |
| Jacksonville, NC | 1 | $ 380,000 | $ 380,000 | $ 147,000 |
| Killeen-Temple, TX | 1 | $ 167,000 | $ 167,000 | $ 1,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 325,000 | $ 325,000 | $ 129,000 |
| Laredo, TX | 1 | $ 234,000 | $ 234,000 | $ 240,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 417,000 | $ 417,000 | $ 104,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 338,000 | $ 338,000 | $ 105,000 |
| Racine, WI | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Rome, GA | 1 | $ 142,000 | $ 142,000 | $ 39,000 |
| San Rafael, CA | 1 | $ 622,000 | $ 622,000 | $ 192,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 339,000 |
| Santa Rosa, CA | 1 | $ 275,000 | $ 275,000 | $ 1,000 |
| Stockton-Lodi, CA | 1 | $ 199,000 | $ 199,000 | $ 44,000 |
| The Villages, FL | 1 | $ 239,000 | $ 239,000 | $ 97,000 |
| Tuscaloosa, AL | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Winston-Salem, NC | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Yuba City, CA | 1 | $ 259,000 | $ 259,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Angel Oak Home Loans LLC in 2015
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 | 1,897 | $493,482,000 | $260,000 | $2,625,000 | $117,000 | $1,838,000 |
| Refinancing | 693 | $206,477,000 | $297,000 | $2,400,000 | $129,000 | $1,838,000 |
| 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 | 1,696 | $470,575,000 | $277,000 | $2,625,000 | $127,000 | $1,838,000 |
| Black or African American | 282 | $63,551,000 | $225,000 | $706,000 | $94,000 | $672,000 |
| Not Provided | 237 | $73,005,000 | $308,000 | $1,838,000 | $127,000 | $1,196,000 |
| Hispanic | 232 | $52,846,000 | $227,000 | $916,000 | $89,000 | $599,000 |
| Asian | 132 | $36,597,000 | $277,000 | $1,840,000 | $120,000 | $1,000,000 |
| American Indian or Alaskan Native | 6 | $2,354,000 | $392,000 | $1,439,000 | $331,000 | $1,510,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,031,000 | $206,000 | $318,000 | $96,000 | $147,000 |
| 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) | 1,876 | $550,828,000 | $293,000 | $2,625,000 | $138,000 | $1,838,000 |
| FHA-insured (Federal Housing Administration) | 551 | $111,500,000 | $202,000 | $630,000 | $70,000 | $284,000 |
| VA-guaranteed (Veterans Administration) | 121 | $31,168,000 | $257,000 | $674,000 | $90,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $6,463,000 | $153,000 | $318,000 | $50,000 | $87,000 |
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 | 1,850 | $490,018,000 | $264,000 | $2,625,000 | $118,000 | $1,838,000 |
| Application Withdrawn By Applicant | 374 | $99,226,000 | $265,000 | $1,840,000 | $130,000 | $1,838,000 |
| Application Denied By Financial Institution | 177 | $52,894,000 | $298,000 | $2,000,000 | $102,000 | $541,000 |
| Application Approved But Not Accepted | 128 | $35,927,000 | $280,000 | $1,725,000 | $121,000 | $621,000 |
| File Closed For Incompleteness | 61 | $21,894,000 | $358,000 | $1,838,000 | $166,000 | $817,000 |
| 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 | 76 | $26,263,000 | $345,000 | $2,000,000 | $93,000 | $541,000 |
| Credit History | 34 | $9,268,000 | $272,000 | $915,000 | $104,000 | $300,000 |
| Collateral | 24 | $6,507,000 | $271,000 | $1,210,000 | $126,000 | $508,000 |
| Unverifiable Information | 17 | $6,918,000 | $406,000 | $1,295,000 | $158,000 | $425,000 |
| Other | 10 | $1,193,000 | $119,000 | $325,000 | $73,000 | $150,000 |
| Employment History | 7 | $1,231,000 | $175,000 | $248,000 | $49,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $892,000 | $148,000 | $261,000 | $72,000 | $149,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Angel Oak Home Loans LLC's 2015 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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