Angel Oak Mortgage Solutions in Michigan vs the state
14.9%Denial rate-3.61 pts vs state
19.3%Decision denial rate-3.26 pts vs state
62.3%Origination rate+2.39 pts vs state
7.75%Median rate+1.00 pts vs state
2.15Rate spread (pts)+1.75 pts vs state
$210kMedian applicant income
71Loans originated
17Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 31 | 26.2% | 8.50% | #285 |
| 2024 | 60 | 34 | 20.0% | 7.88% | #330 |
| 2025 | 114 | 71 | 14.9% | 7.75% | #258 |
What Angel Oak Mortgage Solutions lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 18 | 12 | 2 | 11.1% |
| Macomb County | 15 | 7 | 3 | 20.0% |
| Wayne County | 14 | 9 | 1 | 7.1% |
| St. Clair County | 8 | 5 | 1 | 12.5% |
| Genesee County | 6 | 2 | 0 | 0.0% |
| Kent County | 5 | 5 | 0 | 0.0% |
| Bay County | 4 | 2 | 1 | 25.0% |
| Washtenaw County | 4 | 3 | 1 | 25.0% |
| Grand Traverse County | 4 | 3 | 1 | 25.0% |
| Lenawee County | 3 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 114 applications in 2025, of which 71 were originated and 17 denied.
14.9% of all applications, or 19.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Angel Oak Mortgage Solutions originated in Michigan in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Angel Oak Mortgage Solutions's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology