Angel Oak Mortgage Solutions in Virginia vs the state
16.0%Denial rate+0.06 pts vs state
19.1%Decision denial rate-1.13 pts vs state
67.0%Origination rate+7.48 pts vs state
7.37%Median rate+0.75 pts vs state
0.89Rate spread (pts)+0.67 pts vs state
$266kMedian applicant income
201Loans originated
48Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 107 | 14.5% | 8.50% | #192 |
| 2024 | 179 | 119 | 8.9% | 8.00% | #216 |
| 2025 | 300 | 201 | 16.0% | 7.37% | #162 |
What Angel Oak Mortgage Solutions lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 24 | 18 | 1 | 4.2% |
| Virginia Beach city | 24 | 14 | 7 | 29.2% |
| Richmond city | 21 | 17 | 1 | 4.8% |
| Fairfax County | 18 | 10 | 3 | 16.7% |
| Henrico County | 16 | 13 | 1 | 6.3% |
| Prince William County | 13 | 6 | 2 | 15.4% |
| Portsmouth city | 11 | 10 | 1 | 9.1% |
| Chesapeake city | 10 | 6 | 3 | 30.0% |
| Norfolk city | 8 | 7 | 0 | 0.0% |
| Albemarle County | 8 | 4 | 2 | 25.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 300 applications in 2025, of which 201 were originated and 48 denied.
16.0% of all applications, or 19.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Angel Oak Mortgage Solutions originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology