Angel Oak Mortgage Solutions in California vs the state
17.4%Denial rate-0.04 pts vs state
22.9%Decision denial rate+0.53 pts vs state
57.5%Origination rate+1.29 pts vs state
7.50%Median rate+0.87 pts vs state
1.40Rate spread (pts)+1.13 pts vs state
$340kMedian applicant income
979Loans originated
296Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 897 | 327 | 25.4% | 8.00% | #145 |
| 2024 | 982 | 625 | 15.6% | 7.75% | #159 |
| 2025 | 1,703 | 979 | 17.4% | 7.50% | #118 |
What Angel Oak Mortgage Solutions lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 523 | 300 | 88 | 16.8% |
| San Diego County | 194 | 105 | 34 | 17.5% |
| Orange County | 181 | 110 | 23 | 12.7% |
| Riverside County | 123 | 74 | 24 | 19.5% |
| Ventura County | 87 | 47 | 18 | 20.7% |
| San Bernardino County | 80 | 41 | 16 | 20.0% |
| Santa Barbara County | 48 | 31 | 7 | 14.6% |
| Santa Clara County | 44 | 24 | 7 | 15.9% |
| Alameda County | 40 | 22 | 7 | 17.5% |
| Contra Costa County | 37 | 20 | 7 | 18.9% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,703 applications in 2025, of which 979 were originated and 296 denied.
17.4% of all applications, or 22.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Angel Oak Mortgage Solutions originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Angel Oak Mortgage Solutions's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology