Angel Oak Mortgage Solutions in North Carolina vs the state
14.6%Denial rate-3.51 pts vs state
18.3%Decision denial rate-4.52 pts vs state
63.9%Origination rate+6.09 pts vs state
7.50%Median rate+1.00 pts vs state
1.14Rate spread (pts)+1.05 pts vs state
$279kMedian applicant income
246Loans originated
56Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 169 | 88 | 17.2% | 8.56% | #214 |
| 2024 | 253 | 157 | 14.6% | 7.75% | #198 |
| 2025 | 385 | 246 | 14.6% | 7.50% | #162 |
What Angel Oak Mortgage Solutions lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 68 | 38 | 14 | 20.6% |
| Wake County | 26 | 16 | 4 | 15.4% |
| Guilford County | 18 | 15 | 1 | 5.6% |
| Brunswick County | 17 | 11 | 1 | 5.9% |
| New Hanover County | 17 | 8 | 6 | 35.3% |
| Iredell County | 15 | 8 | 1 | 6.7% |
| Union County | 15 | 11 | 1 | 6.7% |
| Dare County | 15 | 12 | 1 | 6.7% |
| Forsyth County | 14 | 9 | 1 | 7.1% |
| Currituck County | 10 | 6 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 385 applications in 2025, of which 246 were originated and 56 denied.
14.6% of all applications, or 18.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Angel Oak Mortgage Solutions originated in North Carolina 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 North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology