Angel Oak Mortgage Solutions in Kentucky vs the state
32.0%Denial rate+13.19 pts vs state
36.4%Decision denial rate+12.87 pts vs state
56.0%Origination rate-2.04 pts vs state
7.50%Median rate+0.75 pts vs state
1.52Rate spread (pts)+1.20 pts vs state
$207kMedian applicant income
14Loans originated
8Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 6 | 37.5% | 8.06% | #347 |
| 2024 | 15 | 5 | 26.7% | 8.50% | #366 |
| 2025 | 25 | 14 | 32.0% | 7.50% | #329 |
What Angel Oak Mortgage Solutions lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 5 | 3 | 1 | 20.0% |
| Jefferson County | 3 | 3 | 0 | 0.0% |
| Jessamine County | 2 | 1 | 1 | 50.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Boone County | 2 | 1 | 1 | 50.0% |
| Trigg County | 1 | 1 | 0 | 0.0% |
| Kenton County | 1 | 0 | 1 | 100.0% |
| McCracken County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 25 applications in 2025, of which 14 were originated and 8 denied.
32.0% of all applications, or 36.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Angel Oak Mortgage Solutions originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Angel Oak Mortgage Solutions's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology