Angel Oak Home Loans LLC Mortgage Lending & HMDA Data, 2017
In 2017, Angel Oak Home Loans LLC of Atlanta, GA reported 2,191 mortgage applications totaling $755.2 million, down 4% from 2016. The average application was for $344,681, and applicants reported an average income of $159,448. 64% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (743), Orlando-Kissimmee-Sanford, FL (140) and Los Angeles-Long Beach-Glendale, CA (105) (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 | 2,191 |
| Total Mortgage Loan Application Amount | $755,197,000 |
| Average Mortgage Loan Application Amount | $344,681 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $159,448 |
| Highest Applicant Income | $2,901,000 |
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(HMDA) records Angel Oak Home Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 743 | $ 223,587,000 | $ 300,924 | $ 139,000 |
| Orlando-Kissimmee-Sanford, FL | 140 | $ 30,964,000 | $ 221,171 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 105 | $ 66,124,000 | $ 629,752 | $ 257,000 |
| Charlotte-Concord-Gastonia, NC-SC | 96 | $ 26,747,000 | $ 278,614 | $ 128,770 |
| Riverside-San Bernardino-Ontario, CA | 91 | $ 31,894,000 | $ 350,483 | $ 141,000 |
| Jacksonville, FL | 83 | $ 20,146,000 | $ 242,722 | $ 145,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 78 | $ 42,861,000 | $ 549,500 | $ 224,000 |
| Anaheim-Santa Ana-Irvine, CA | 77 | $ 60,527,000 | $ 786,064 | $ 265,000 |
| Chicago-Naperville-Arlington Heights, IL | 77 | $ 13,644,000 | $ 177,194 | $ 137,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 68 | $ 23,482,000 | $ 345,323 | $ 175,000 |
| Tampa-St. Petersburg-Clearwater, FL | 58 | $ 12,958,000 | $ 223,413 | $ 100,000 |
| Santa Maria-Santa Barbara, CA | 36 | $ 19,656,000 | $ 546,000 | $ 297,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 31 | $ 12,889,000 | $ 415,774 | $ 182,612 |
| Houston-The Woodlands-Sugar Land, TX | 28 | $ 12,370,000 | $ 441,785 | $ 208,000 |
| San Diego-Carlsbad, CA | 24 | $ 15,470,000 | $ 644,583 | $ 226,000 |
| Dallas-Plano-Irving, TX | 21 | $ 7,320,000 | $ 348,571 | $ 149,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 19 | $ 4,961,000 | $ 261,105 | $ 177,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 9,114,000 | $ 506,333 | $ 232,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 5,169,000 | $ 304,058 | $ 137,000 |
| Oakland-Hayward-Berkeley, CA | 16 | $ 7,757,000 | $ 484,812 | $ 215,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 3,893,000 | $ 278,071 | $ 142,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 4,055,000 | $ 289,642 | $ 128,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 5,020,000 | $ 358,571 | $ 164,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 13 | $ 3,311,000 | $ 254,692 | $ 109,000 |
| Lakeland-Winter Haven, FL | 12 | $ 1,738,000 | $ 144,833 | $ 90,000 |
| Austin-Round Rock, TX | 11 | $ 3,977,000 | $ 361,545 | $ 124,000 |
| Kankakee, IL | 11 | $ 1,570,000 | $ 142,727 | $ 79,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 1,654,000 | $ 206,750 | $ 104,000 |
| Fort Worth-Arlington, TX | 8 | $ 2,313,000 | $ 289,125 | $ 116,000 |
| Gainesville, GA | 8 | $ 1,885,000 | $ 235,625 | $ 134,000 |
| Richmond, VA | 8 | $ 2,883,000 | $ 360,375 | $ 129,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,220,000 | $ 277,500 | $ 140,000 |
| Charleston-North Charleston, SC | 7 | $ 1,198,000 | $ 171,142 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 2,515,000 | $ 359,285 | $ 127,000 |
| San Rafael, CA | 7 | $ 3,806,000 | $ 543,714 | $ 246,000 |
| Macon-Bibb County, GA | 6 | $ 1,131,000 | $ 188,500 | $ 178,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,830,000 | $ 305,000 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,071,000 | $ 214,200 | $ 149,600 |
| Port St. Lucie, FL | 5 | $ 1,507,000 | $ 301,400 | $ 119,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 5,777,000 | $ 1,155,400 | $ 248,000 |
| Savannah, GA | 5 | $ 1,267,000 | $ 253,400 | $ 117,000 |
| Silver Spring-Frederick-Rockville, MD | 5 | $ 2,286,000 | $ 457,200 | $ 138,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,435,000 | $ 358,750 | $ 96,000 |
| Brunswick, GA | 4 | $ 1,854,000 | $ 463,500 | $ 372,000 |
| Gary, IN | 4 | $ 968,000 | $ 242,000 | $ 84,000 |
| Greensboro-High Point, NC | 4 | $ 684,000 | $ 171,000 | $ 74,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 1,089,000 | $ 272,250 | $ 339,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,525,000 | $ 381,250 | $ 353,000 |
| Panama City, FL | 4 | $ 1,557,000 | $ 389,250 | $ 1,204,000 |
| Raleigh, NC | 4 | $ 1,066,000 | $ 266,500 | $ 114,000 |
| Tucson, AZ | 4 | $ 967,000 | $ 241,750 | $ 109,000 |
| Wilmington, NC | 4 | $ 2,268,000 | $ 567,000 | $ 393,000 |
| Durham-Chapel Hill, NC | 3 | $ 544,000 | $ 181,333 | $ 69,000 |
| Elgin, IL | 3 | $ 656,000 | $ 218,666 | $ 88,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 800,000 | $ 266,666 | $ 117,000 |
| Knoxville, TN | 3 | $ 1,106,000 | $ 368,666 | $ 168,000 |
| Memphis, TN-MS-AR | 3 | $ 838,000 | $ 279,333 | $ 114,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 949,000 | $ 316,333 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 601,000 | $ 200,333 | $ 160,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,161,000 | $ 720,333 | $ 145,000 |
| Asheville, NC | 2 | $ 668,000 | $ 334,000 | $ 177,000 |
| Birmingham-Hoover, AL | 2 | $ 544,000 | $ 272,000 | $ 110,000 |
| Chattanooga, TN-GA | 2 | $ 259,000 | $ 129,500 | $ 98,500 |
| Daphne-Fairhope-Foley, AL | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 459,000 | $ 229,500 | $ 74,000 |
| Lafayette-West Lafayette, IN | 2 | $ 606,000 | $ 303,000 | $ 142,000 |
| Longview, TX | 2 | $ 815,000 | $ 407,500 | $ 247,000 |
| New Orleans-Metairie, LA | 2 | $ 351,000 | $ 175,500 | $ 79,000 |
| Prescott, AZ | 2 | $ 152,000 | $ 76,000 | $ 48,000 |
| Punta Gorda, FL | 2 | $ 292,000 | $ 146,000 | $ 141,000 |
| Roanoke, VA | 2 | $ 606,000 | $ 303,000 | $ 221,000 |
| Salisbury, MD-DE | 2 | $ 643,000 | $ 321,500 | $ 140,000 |
| San Antonio-New Braunfels, TX | 2 | $ 453,000 | $ 226,500 | $ 86,000 |
| Waco, TX | 2 | $ 592,000 | $ 296,000 | $ 360,000 |
| Bakersfield, CA | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Brownsville-Harlingen, TX | 1 | $ 146,000 | $ 146,000 | $ 149,000 |
| Charlottesville, VA | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Clarksville, TN-KY | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Columbia, SC | 1 | $ 109,000 | $ 109,000 | $ 95,000 |
| Corpus Christi, TX | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Dalton, GA | 1 | $ 218,000 | $ 218,000 | $ 84,000 |
| Decatur, IL | 1 | $ 231,000 | $ 231,000 | $ 160,000 |
| Fresno, CA | 1 | $ 424,000 | $ 424,000 | $ 105,000 |
| Gainesville, FL | 1 | $ 106,000 | $ 106,000 | $ 31,000 |
| Goldsboro, NC | 1 | $ 104,000 | $ 104,000 | $ 21,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 510,000 | $ 510,000 | $ 128,000 |
| Homosassa Springs, FL | 1 | $ 223,000 | $ 223,000 | $ 46,000 |
| Huntsville, AL | 1 | $ 102,000 | $ 102,000 | $ 53,000 |
| Lafayette, LA | 1 | $ 197,000 | $ 197,000 | $ 159,000 |
| Merced, CA | 1 | $ 501,000 | $ 501,000 | $ 170,000 |
| Modesto, CA | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Morristown, TN | 1 | $ 201,000 | $ 201,000 | $ 121,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 215,000 | $ 215,000 | $ 241,000 |
| Napa, CA | 1 | $ 604,000 | $ 604,000 | $ 125,000 |
| Odessa, TX | 1 | $ 280,000 | $ 280,000 | $ 105,000 |
| Redding, CA | 1 | $ 475,000 | $ 475,000 | $ 194,000 |
| Sebastian-Vero Beach, FL | 1 | $ 480,000 | $ 480,000 | $ 853,000 |
| Sebring, FL | 1 | $ 280,000 | $ 280,000 | $ 276,000 |
| St. Louis, MO-IL | 1 | $ 560,000 | $ 560,000 | $ 348,000 |
| Stockton-Lodi, CA | 1 | $ 237,000 | $ 237,000 | $ 73,000 |
| Tuscaloosa, AL | 1 | $ 220,000 | $ 220,000 | $ 102,000 |
| Warner Robins, GA | 1 | $ 181,000 | $ 181,000 | $ 70,000 |
| Wilmington, DE-MD-NJ | 1 | $ 284,000 | $ 284,000 | $ 150,000 |
| Winchester, VA-WV | 1 | $ 221,000 | $ 221,000 | $ 113,000 |
| Yuma, AZ | 1 | $ 132,000 | $ 132,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Angel Oak Home Loans LLC in 2017
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 | 1,647 | $519,852,000 | $315,000 | $3,000,000 | $152,000 | $2,901,000 |
| Refinancing | 544 | $235,345,000 | $432,000 | $4,000,000 | $182,000 | $2,700,000 |
| 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 | 1,377 | $473,703,000 | $344,000 | $3,000,000 | $168,000 | $2,901,000 |
| Hispanic | 266 | $81,883,000 | $307,000 | $1,754,000 | $114,000 | $1,675,000 |
| Black or African American | 231 | $68,525,000 | $296,000 | $2,370,000 | $125,000 | $815,000 |
| Not Provided | 206 | $88,635,000 | $430,000 | $4,000,000 | $202,000 | $2,700,000 |
| Asian | 97 | $36,913,000 | $380,000 | $2,100,000 | $157,000 | $1,058,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $3,933,000 | $437,000 | $1,673,000 | $115,000 | $283,000 |
| American Indian or Alaskan Native | 5 | $1,605,000 | $321,000 | $385,000 | $120,000 | $175,000 |
| 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) | 1,631 | $610,969,000 | $374,000 | $4,000,000 | $184,000 | $2,901,000 |
| FHA-insured (Federal Housing Administration) | 474 | $115,954,000 | $244,000 | $636,000 | $87,000 | $1,058,000 |
| VA-guaranteed (Veterans Administration) | 81 | $27,182,000 | $335,000 | $1,321,000 | $84,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,092,000 | $218,000 | $334,000 | $68,000 | $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 | 1,395 | $450,184,000 | $322,000 | $2,560,000 | $148,000 | $2,473,000 |
| Application Withdrawn By Applicant | 390 | $154,429,000 | $395,000 | $4,000,000 | $188,000 | $2,901,000 |
| Application Approved But Not Accepted | 188 | $63,151,000 | $335,000 | $2,100,000 | $172,000 | $1,587,000 |
| Application Denied By Financial Institution | 183 | $69,929,000 | $382,000 | $3,000,000 | $155,000 | $1,539,000 |
| File Closed For Incompleteness | 35 | $17,504,000 | $500,000 | $2,135,000 | $233,000 | $2,711,000 |
| 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 | 57 | $25,028,000 | $439,000 | $2,800,000 | $121,000 | $526,000 |
| Credit History | 40 | $13,912,000 | $347,000 | $1,615,000 | $138,000 | $547,000 |
| Collateral | 24 | $5,015,000 | $208,000 | $432,000 | $179,000 | $1,539,000 |
| Unverifiable Information | 24 | $8,529,000 | $355,000 | $2,000,000 | $177,000 | $1,475,000 |
| Other | 9 | $8,227,000 | $914,000 | $3,000,000 | $320,000 | $957,000 |
| Employment History | 7 | $2,452,000 | $350,000 | $599,000 | $117,000 | $165,000 |
| Credit Application Incomplete | 6 | $1,922,000 | $320,000 | $585,000 | $347,000 | $976,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $936,000 | $234,000 | $345,000 | $80,000 | $194,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Angel Oak Home Loans LLC's 2017 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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