Angel Oak Mortgage Solutions in Utah vs the state
9.5%Denial rate-6.44 pts vs state
13.0%Decision denial rate-6.14 pts vs state
61.9%Origination rate-1.34 pts vs state
7.37%Median rate+0.75 pts vs state
0.87Rate spread (pts)+0.63 pts vs state
$376kMedian applicant income
39Loans originated
6Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 25 | 33.3% | 8.13% | #143 |
| 2024 | 56 | 40 | 5.4% | 7.88% | #158 |
| 2025 | 63 | 39 | 9.5% | 7.37% | #154 |
What Angel Oak Mortgage Solutions lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 20 | 12 | 1 | 5.0% |
| Utah County | 11 | 6 | 1 | 9.1% |
| Washington County | 9 | 4 | 3 | 33.3% |
| Weber County | 4 | 3 | 0 | 0.0% |
| Wasatch County | 4 | 3 | 0 | 0.0% |
| Tooele County | 3 | 2 | 0 | 0.0% |
| Morgan County | 2 | 2 | 0 | 0.0% |
| Rich County | 2 | 1 | 0 | 0.0% |
| Davis County | 2 | 1 | 1 | 50.0% |
| Millard County | 1 | 1 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 63 applications in 2025, of which 39 were originated and 6 denied.
9.5% of all applications, or 13.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Angel Oak Mortgage Solutions originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology