Angel Oak Mortgage Solutions in Alabama vs the state
15.3%Denial rate-4.56 pts vs state
20.0%Decision denial rate-5.00 pts vs state
58.8%Origination rate+3.43 pts vs state
7.50%Median rate+1.00 pts vs state
1.16Rate spread (pts)+0.88 pts vs state
$218kMedian applicant income
50Loans originated
13Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 37 | 22.7% | 8.50% | #237 |
| 2024 | 67 | 47 | 10.5% | 7.50% | #260 |
| 2025 | 85 | 50 | 15.3% | 7.50% | #246 |
What Angel Oak Mortgage Solutions lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 25 | 10 | 4 | 16.0% |
| Jefferson County | 15 | 12 | 1 | 6.7% |
| Shelby County | 12 | 8 | 1 | 8.3% |
| Russell County | 4 | 3 | 0 | 0.0% |
| Madison County | 4 | 2 | 0 | 0.0% |
| Cherokee County | 3 | 2 | 0 | 0.0% |
| Calhoun County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Talladega County | 2 | 0 | 2 | 100.0% |
| St. Clair County | 2 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 85 applications in 2025, of which 50 were originated and 13 denied.
15.3% of all applications, or 20.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Angel Oak Mortgage Solutions originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Angel Oak Mortgage Solutions's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology