CFPB Consumer Complaint Profile
Angel Oak Home Loans LLC
Consumers have filed 20 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 20
- Total complaints
- 0
- Last 12 months
- 100%
- Timely response
- 11
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Angel Oak Home Loans LLC has accumulated 20 complaints, placing it #2864 by volume. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.
- #2864
- of 3,848 companies by volume
- 100%
- answered on time
- Mortgage
- most-complained product
- 11
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 1 |
| 2017 | 1 |
| 2020 | 5 |
| 2021 | 8 |
| 2022 | 4 |
| 2023 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Angel Oak Home Loans LLC
The CFPB Consumer Complaint Database has logged 20 complaints against Angel Oak Home Loans LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 11 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Applying for a mortgage or refinancing an existing mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
100% of CFPB-forwarded complaints against Angel Oak Home Loans LLC get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 10% closed with the consumer receiving monetary or non-monetary relief.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Angel Oak Home Loans LLC have?
The CFPB has logged 20 complaints against Angel Oak Home Loans LLC to date, of which 0 came in over the last 12 months.
Does Angel Oak Home Loans LLC respond to complaints on time?
100% of the CFPB complaints against Angel Oak Home Loans LLC get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Angel Oak Home Loans LLC?
Among all products tied to Angel Oak Home Loans LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Angel Oak Home Loans LLC?
The most common issue reported by consumers about Angel Oak Home Loans LLC is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Angel Oak Home Loans LLC?
You can file a complaint against Angel Oak Home Loans LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Angel Oak Home Loans LLC?
The CFPB has recorded complaints against Angel Oak Home Loans LLC from 11 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~20)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.