Angel Oak Mortgage Solutions LLC Mortgage Lending & HMDA Data, 2022
In 2022, Angel Oak Mortgage Solutions LLC of Atlanta, GA reported 12,463 mortgage applications totaling $5.9 billion, up 12% from 2021. The average application was for $477,134, and applicants reported an average income of $402,733. 58% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (803), Los Angeles-Long Beach-Glendale, CA (649) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (574) (applications in parentheses).
| Mortgage Company & Address | Angel Oak Mortgage Solutions LLC 980 Hammond Drive, Suite 850 Atlanta, GA 30328 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 12,463 |
| Total Mortgage Loan Application Amount | $5,946,525,000 |
| Average Mortgage Loan Application Amount | $477,134 |
| Highest Mortgage Loan Application Amount | $4,355,000 |
| Average Applicant Income | $402,733 |
| Highest Applicant Income | $9,918,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Angel Oak Mortgage Solutions LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Angel Oak Mortgage Solutions LLC in 2022
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 | 7,439 | $3,701,615,000 | $497,000 | $3,125,000 | $417,000 | $9,918,000 |
| Cash-out Refinancing | 3,964 | $1,703,010,000 | $429,000 | $3,485,000 | $369,000 | $8,928,000 |
| Refinancing | 1,050 | $537,980,000 | $512,000 | $4,355,000 | $430,000 | $8,981,000 |
| Home Improvement | 5 | $1,115,000 | $223,000 | $345,000 | $196,000 | $241,000 |
| Not Applicable | 5 | $2,805,000 | $561,000 | $925,000 | $0 | $0 |
| Other Purpose | 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 | 5,392 | $2,745,540,000 | $509,000 | $3,285,000 | $457,000 | $9,918,000 |
| Not Provided | 2,765 | $1,366,155,000 | $494,000 | $4,355,000 | $402,000 | $9,261,000 |
| Hispanic | 2,226 | $926,800,000 | $416,000 | $3,705,000 | $335,000 | $6,562,000 |
| Black or African American | 974 | $364,950,000 | $374,000 | $3,005,000 | $330,000 | $6,488,000 |
| Asian | 946 | $466,890,000 | $493,000 | $2,935,000 | $363,000 | $6,455,000 |
| Not applicable | 56 | $26,620,000 | $475,000 | $2,755,000 | $0 | $0 |
| American Indian or Alaskan Native | 31 | $12,945,000 | $417,000 | $1,175,000 | $294,000 | $2,080,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $12,730,000 | $707,000 | $2,165,000 | $267,000 | $708,000 |
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) | 12,463 | $5,946,525,000 | $477,000 | $4,355,000 | $405,000 | $9,918,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 7,239 | $3,385,585,000 | $467,000 | $3,485,000 | $441,000 | $9,918,000 |
| Application Withdrawn By Applicant | 2,798 | $1,370,380,000 | $489,000 | $4,355,000 | $330,000 | $8,981,000 |
| Application Denied By Financial Institution | 2,151 | $1,054,565,000 | $490,000 | $3,285,000 | $394,000 | $8,981,000 |
| Application Approved But Not Accepted | 168 | $81,970,000 | $487,000 | $2,485,000 | $471,000 | $4,278,000 |
| Loan Purchased By The Institution | 56 | $26,620,000 | $475,000 | $2,755,000 | $0 | $0 |
| File Closed For Incompleteness | 51 | $27,405,000 | $537,000 | $2,795,000 | $337,000 | $3,792,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 10,312 | $4,891,960,000 | $474,000 | $4,355,000 | $407,000 | $9,918,000 |
| Credit Application Incomplete | 570 | $230,640,000 | $404,000 | $2,805,000 | $400,000 | $8,981,000 |
| Collateral | 373 | $164,395,000 | $440,000 | $2,405,000 | $582,000 | $7,094,000 |
| Other | 372 | $190,240,000 | $511,000 | $3,005,000 | $469,000 | $5,624,000 |
| Unverifiable Information | 246 | $132,210,000 | $537,000 | $3,005,000 | $305,000 | $2,445,000 |
| Credit History | 238 | $132,730,000 | $557,000 | $2,745,000 | $548,000 | $3,460,000 |
| Debt-To-Income Ratio | 227 | $143,065,000 | $630,000 | $3,285,000 | $180,000 | $2,345,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 113 | $56,795,000 | $502,000 | $2,935,000 | $355,000 | $2,399,000 |
| Employment History | 12 | $4,490,000 | $374,000 | $795,000 | $290,000 | $1,318,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Angel Oak Mortgage Solutions LLC's 2022 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 Mortgage Solutions 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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