Lenders › Angel Oak Mortgage Solutions LLC › Florida
Angel Oak Mortgage Solutions LLC in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Angel Oak Mortgage Solutions LLC's 2024 HMDA record for Florida covers 2,445 applications, 1,620 of them originated, worth $725m.
Its denial rate in the state was 15.2%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 17.8%.
The median rate spread on its Florida originations was 1.4 percentage points (state median 0.3).
Applications in the state were up 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Angel Oak Mortgage Solutions LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.2% | 29.0% | 17.8% | 24.3% |
| Median rate spread, pp | 1.4 | 0.3 | 1.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 46.8% | 16.4% | 48.9% | 15.6% |
| Average originated loan | $448k | $359k | $445k | $329k |
| Home purchase share | 64.6% | 62.9% | 59.1% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 65% (1,047)Home improvement 1% (11)Refinancing 1% (13)Cash-out refinancing 34% (549)
By type
Conventional 100% (1,620)
Denial reasons as coded
Share of 294 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 509 | 330 | $165m | 16.2% |
| Broward County | 377 | 257 | $111m | 16.0% |
| Palm Beach County | 251 | 169 | $92m | 13.9% |
| Lee County | 127 | 93 | $33m | 13.0% |
| Pinellas County | 100 | 64 | $29m | 16.9% |
| Hillsborough County | 90 | 58 | $25m | 18.3% |
| Orange County | 88 | 54 | $23m | 19.4% |
| Collier County | 85 | 48 | $29m | 12.3% |
| Osceola County | 65 | 44 | $14m | 15.4% |
| St. Lucie County | 63 | 42 | $12m | 12.2% |
| Polk County | 54 | 36 | $11m | 12.2% |
| Sarasota County | 44 | 31 | $13m | 13.5% |
| Pasco County | 36 | 29 | $10m | 6.5% |
| Marion County | 39 | 26 | $6.2m | 7.1% |
| Volusia County | 37 | 26 | $9.3m | 10.3% |
| Duval County | 50 | 24 | $8.9m | 22.6% |
| Seminole County | 34 | 24 | $7.5m | 7.7% |
| Manatee County | 30 | 23 | $11m | — |
| Brevard County | 34 | 21 | $10m | 24.1% |
| Walton County | 30 | 19 | $12m | 20.0% |
| Monroe County | 27 | 19 | $16m | — |
| Martin County | 31 | 18 | $12m | — |
| Lake County | 27 | 16 | $10m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Angel Oak Mortgage Solutions LLC originate in Florida in 2024?
1,620 loans totalling $725m, from 2,445 applications reported for properties in Florida.
What is Angel Oak Mortgage Solutions LLC's denial rate in Florida?
15.2% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 17.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Angel Oak Mortgage Solutions LLC lend in most?
By originations: Miami-Dade County (330), Broward County (257), Palm Beach County (169), Lee County (93), Pinellas County (64).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.