Oak Mortgage, LLC mortgage approval rate & lending review
Oak Mortgage, LLC decided 539 mortgage applications and funded 423 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oak Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oak Mortgage, LLC at a glance
Approval is 13.8 points above the 84.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 350 / 351 | 83% | $255K | 289 |
| Cash-out refinance | 94% | 51 / 54 | 67% | $165K | 34 |
| Investment property purchase | 98% | 102 / 104 | 80% | $305K | 82 |
Oak Mortgage, LLC lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Oak Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Calhoun County, MI | Mortgage lenders | 100% | 137 | 118 |
| Berrien County, MI | Mortgage lenders | 99% | 101 | 78 |
| Kalamazoo County, MI | Mortgage lenders | 100% | 68 | 58 |
| Berrien County, MI | Investment property purchase | 98% | 61 | 50 |
| Berrien County, MI | Cash-out refinance | 95% | 20 | 14 |
The county markets where Oak Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Oak Mortgage, LLC
What is Oak Mortgage, LLC's mortgage approval rate?
Oak Mortgage, LLC approved 98.5% of the 539 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.8 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan Oak Mortgage, LLC offers?
Borrowers accepted 80% of the loans Oak Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oak Mortgage, LLC make?
The typical home purchase mortgage loan Oak Mortgage, LLC made was $255K; across all loan types its typical loan ran from $165K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oak Mortgage, LLC lend?
Oak Mortgage, LLC decided applications in 4 of the states Fat Boy Data covers, most of them in Michigan, Indiana and Illinois.
Can I apply to Oak Mortgage, LLC directly?
Yes. Oak Mortgage, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Oak Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oak Mortgage, LLC treats applications, then get a rate quote from the lender.