Angel Oak Mortgage Solutions in Pennsylvania vs the state
10.4%Denial rate-7.91 pts vs state
12.9%Decision denial rate-9.34 pts vs state
69.3%Origination rate+8.38 pts vs state
7.37%Median rate+0.75 pts vs state
0.97Rate spread (pts)+0.73 pts vs state
$228kMedian applicant income
147Loans originated
22Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 45 | 19.8% | 8.75% | #351 |
| 2024 | 139 | 86 | 11.5% | 7.63% | #321 |
| 2025 | 212 | 147 | 10.4% | 7.37% | #264 |
What Angel Oak Mortgage Solutions lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 64 | 47 | 4 | 6.3% |
| Delaware County | 23 | 18 | 1 | 4.3% |
| Chester County | 18 | 10 | 4 | 22.2% |
| Montgomery County | 13 | 5 | 4 | 30.8% |
| Bucks County | 10 | 8 | 2 | 20.0% |
| Monroe County | 10 | 6 | 0 | 0.0% |
| Allegheny County | 10 | 8 | 0 | 0.0% |
| Berks County | 7 | 6 | 0 | 0.0% |
| Luzerne County | 6 | 2 | 1 | 16.7% |
| Lehigh County | 5 | 4 | 1 | 20.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 212 applications in 2025, of which 147 were originated and 22 denied.
10.4% of all applications, or 12.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Angel Oak Mortgage Solutions originated in Pennsylvania in 2025 was 7.37%, against a statewide median of 6.63%.
About this data. Figures are Angel Oak Mortgage Solutions's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology