Angel Oak Home Loans Mortgage Rates, Fees & Info

ATLANTA, GA

LEI: 549300GDBIZCOI6TMO49

Tax ID: 27-3863726

2.9 stars - out of 5 stars, based on 92 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Angel Oak Home Loans is a small mortgage company specializing in Home Purchase and Refi loans. Angel Oak Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Atlanta, Wilmington, Dallas, Austin, and Los Angeles among others. Angel Oak Home Loans has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Angel Oak Home Loans is typically a high fee lendor.


Originations

8,401

Origination Dollar Volume (All Markets)

$2,738,665,000

Awards

ANGEL OAK HOME LOANS  USDA Loans gold ANGEL OAK HOME LOANS  FHA Loans silver ANGEL OAK HOME LOANS  USDA Loans gold
Show all (3) awards

Relative Rate

Angel Oak Home Loans 's average 30 year fixed rate mortgage of loans were 3.42%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.27%.

Relative Fees

Angel Oak Home Loans 's average total fees for a 30 year fixed rate mortgage are $6,067.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1,265 $521,965,000 $412,621 $5,572 3.35%
WILMINGTON, NC (FHA|USDA|VA) 462 $134,000,000 $290,043 $4,687 3.14%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 339 $114,785,000 $338,599 $7,944 3.47%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 255 $97,925,000 $384,020 $7,020 3.36%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 127 $95,025,000 $748,228 $7,177 3.21%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 261 $91,155,000 $349,253 $5,451 3.47%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 263 $74,715,000 $284,087 $7,373 3.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 211 $70,575,000 $334,479 $5,188 3.45%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 236 $68,430,000 $289,958 $4,716 3.16%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 267 $68,405,000 $256,199 $4,658 3.25%
Outside of Metro Areas 247 $65,025,000 $263,259 $5,819 3.32%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 213 $59,155,000 $277,723 $5,174 3.21%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 90 $55,620,000 $618,000 $7,026 3.11%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 148 $53,510,000 $361,554 $7,962 3.31%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 143 $52,335,000 $365,979 $7,661 3.56%
SAVANNAH, GA (FHA|USDA|VA) 208 $51,950,000 $249,760 $6,060 3.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 162 $50,020,000 $308,765 $5,878 3.29%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 107 $47,835,000 $447,056 $7,481 3.50%
VALDOSTA, GA (FHA|USDA|VA) 218 $46,100,000 $211,468 $5,139 2.99%
COLUMBIA, SC (FHA|USDA|VA) 232 $43,270,000 $186,509 $5,397 2.84%
BATON ROUGE, LA (FHA|USDA|VA) 129 $42,965,000 $333,062 $5,818 3.35%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 86 $39,790,000 $462,674 $8,011 3.50%
GREENVILLE, NC (FHA|USDA|VA) 163 $34,485,000 $211,564 $3,921 3.10%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 75 $30,135,000 $401,800 $6,916 3.40%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 85 $28,535,000 $335,706 $6,837 3.57%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 91 $25,815,000 $283,681 $4,634 3.41%
JACKSON, MS (FHA|USDA|VA) 106 $25,400,000 $239,623 $5,189 3.23%
Tifton, GA (FHA|USDA|VA) 119 $23,685,000 $199,034 $5,203 3.05%
JACKSONVILLE, NC (FHA|USDA|VA) 109 $23,445,000 $215,092 $4,721 3.11%
Brookhaven, MS (FHA|USDA|VA) 118 $22,480,000 $190,508 $4,737 3.12%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 23 $19,395,000 $843,261 $8,647 3.60%
Wilson, NC (FHA|USDA|VA) 94 $16,670,000 $177,340 $4,163 3.11%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 48 $14,760,000 $307,500 $5,740 3.48%
Natchez, MS-LA (FHA|USDA|VA) 88 $14,570,000 $165,568 $5,151 3.11%
EL PASO, TX (FHA|USDA|VA) 65 $14,415,000 $221,769 $6,249 3.37%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 27 $13,215,000 $489,444 $7,244 4.09%
JACKSONVILLE, FL (FHA|USDA|VA) 29 $12,865,000 $443,621 $9,033 3.75%
WARNER ROBINS, GA (FHA|USDA|VA) 72 $12,590,000 $174,861 $5,048 3.20%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $12,135,000 $809,000 $15,758 4.13%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 19 $11,945,000 $628,684 $9,240 4.19%
Morehead City, NC (FHA|USDA|VA) 32 $11,900,000 $371,875 $5,670 3.24%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 29 $11,575,000 $399,138 $7,710 3.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $10,670,000 $666,875 $8,587 3.51%
LAS CRUCES, NM (FHA|USDA|VA) 47 $9,655,000 $205,426 $4,896 3.27%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 19 $9,585,000 $504,474 $7,764 3.76%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $9,535,000 $635,667 $10,441 3.72%
SHERMAN-DENISON, TX (FHA|USDA|VA) 38 $9,520,000 $250,526 $6,512 3.30%
RENO, NV (FHA|USDA|VA) 27 $9,205,000 $340,926 $6,102 3.64%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $8,300,000 $518,750 $11,183 4.41%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 19 $7,855,000 $413,421 $9,842 4.39%
Jefferson, GA (FHA|USDA|VA) 21 $7,805,000 $371,667 $4,738 3.33%
ROCKY MOUNT, NC (FHA|USDA|VA) 37 $7,245,000 $195,811 $4,881 3.22%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 19 $7,125,000 $375,000 $7,216 3.51%
GAINESVILLE, GA (FHA|USDA|VA) 22 $6,880,000 $312,727 $4,995 3.49%
Key West, FL (FHA|USDA|VA) 7 $6,455,000 $922,143 $16,570 4.41%
WINSTON-SALEM, NC (FHA|USDA|VA) 29 $6,275,000 $216,379 $4,769 3.47%
SUMTER, SC (FHA|USDA|VA) 36 $6,200,000 $172,222 $5,750 3.06%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $5,855,000 $532,273 $7,882 3.86%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 14 $5,760,000 $411,429 $7,952 4.47%
HAMMOND, LA (FHA|USDA|VA) 25 $5,635,000 $225,400 $4,729 3.17%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 17 $5,555,000 $326,765 $6,605 3.88%
ASHEVILLE, NC (FHA|USDA|VA) 15 $5,535,000 $369,000 $5,814 4.13%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $5,290,000 $881,667 $11,020 4.19%
BRUNSWICK, GA (FHA|USDA|VA) 9 $5,285,000 $587,222 $7,396 3.33%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $5,235,000 $475,909 $5,388 3.73%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 25 $5,095,000 $203,800 $4,045 3.56%
FAYETTEVILLE, NC (FHA|USDA|VA) 24 $4,610,000 $192,083 $4,704 3.55%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 19 $4,505,000 $237,105 $4,467 3.77%
Sevierville, TN (FHA|USDA|VA) 8 $4,360,000 $545,000 $9,981 4.39%
RICHMOND, VA (FHA|USDA|VA) 10 $4,290,000 $429,000 $8,393 3.96%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $4,215,000 $602,143 $10,976 3.96%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $4,120,000 $343,333 $7,249 3.61%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $4,085,000 $314,231 $6,679 5.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $3,840,000 $274,286 $5,209 3.72%
McComb, MS (FHA|USDA|VA) 19 $3,785,000 $199,211 $5,092 3.11%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $3,635,000 $727,000 $15,708 4.20%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $3,615,000 $516,429 $3,886 3.39%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $3,555,000 $711,000 $10,890 4.30%
CORPUS CHRISTI, TX (FHA|USDA|VA) 15 $3,485,000 $232,333 $5,913 3.42%
BURLINGTON, NC (FHA|USDA|VA) 16 $3,410,000 $213,125 $4,790 3.48%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 11 $3,225,000 $293,182 $5,779 3.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 10 $3,200,000 $320,000 $8,673 4.79%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 14 $3,180,000 $227,143 $4,808 3.43%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 13 $3,165,000 $243,462 $5,939 3.36%
Fredericksburg, TX (FHA|USDA|VA) 4 $3,070,000 $767,500 $7,745 3.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 9 $3,065,000 $340,556 $7,526 3.35%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 12 $2,930,000 $244,167 $5,055 3.64%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 8 $2,880,000 $360,000 $7,870 3.81%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 13 $2,875,000 $221,154 $5,148 3.65%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 7 $2,775,000 $396,429 $8,190 3.80%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $2,770,000 $277,000 $6,361 3.16%
Cullowhee, NC (FHA|USDA|VA) 5 $2,665,000 $533,000 $10,957 3.18%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $2,630,000 $438,333 $5,516 4.46%
FORT COLLINS, CO (FHA|USDA|VA) 4 $2,610,000 $652,500 $10,453 4.97%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,595,000 $519,000 $6,807 4.85%
PANAMA CITY, FL (FHA|USDA|VA) 6 $2,570,000 $428,333 $8,316 3.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $2,525,000 $280,556 $5,810 4.93%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $2,515,000 $838,333 $17,273 3.92%
NEW BERN, NC (FHA|USDA|VA) 7 $2,505,000 $357,857 $10,087 2.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $2,415,000 $185,769 $6,351 4.51%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $2,415,000 $483,000 $7,811 3.67%
Statesboro, GA (FHA|USDA|VA) 13 $2,395,000 $184,231 $4,727 3.21%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,380,000 $297,500 $5,805 4.87%
OCALA, FL (FHA|USDA|VA) 12 $2,370,000 $197,500 $5,589 3.84%
KNOXVILLE, TN (FHA|USDA|VA) 7 $2,365,000 $337,857 $9,060 3.63%
Washington, NC (FHA|USDA|VA) 11 $2,225,000 $202,273 $4,227 3.02%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $2,115,000 $705,000 $11,459 5.25%
Orangeburg, SC (FHA|USDA|VA) 19 $2,075,000 $109,211 $4,602 1.95%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 12 $2,050,000 $170,833 $5,271 3.20%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $1,980,000 $330,000 $7,153 5.02%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,975,000 $658,333 $7,881 3.08%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 6 $1,930,000 $321,667 $6,730 4.25%
ALBANY, GA (FHA|USDA|VA) 11 $1,825,000 $165,909 $4,403 2.86%
ROANOKE, VA (FHA|USDA|VA) 3 $1,815,000 $605,000 $11,732 2.75%
GOLDSBORO, NC (FHA|USDA|VA) 10 $1,770,000 $177,000 $4,346 3.14%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $1,705,000 $568,333 $4,190 3.04%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,700,000 $425,000 $7,572 4.44%
HINESVILLE, GA (FHA|USDA|VA) 8 $1,690,000 $211,250 $7,415 3.08%
LAFAYETTE, LA (FHA|USDA|VA) 7 $1,675,000 $239,286 $4,840 3.89%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,650,000 $412,500 $5,810 4.28%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,630,000 $271,667 $7,393 4.00%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $1,570,000 $785,000 $13,201 3.88%
Seneca, SC (FHA|USDA|VA) 2 $1,560,000 $780,000 $6,374 3.44%
Fernley, NV (FHA|USDA|VA) 5 $1,525,000 $305,000 $4,881 3.08%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $1,515,000 $505,000 $5,641 3.54%
Georgetown, SC (FHA|USDA|VA) 4 $1,480,000 $370,000 $5,103 3.09%
SALINAS, CA (FHA|USDA|VA) 3 $1,395,000 $465,000 $7,080 3.79%
Granbury, TX (FHA|USDA|VA) 3 $1,395,000 $465,000 $10,728 4.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,365,000 $195,000 $7,531 3.66%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,340,000 $223,333 $4,964 4.08%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,330,000 $332,500 $8,436 4.06%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,315,000 $263,000 $4,256 3.65%
Roanoke Rapids, NC (FHA|USDA|VA) 3 $1,285,000 $428,333 $8,294 4.62%
GREELEY, CO (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $17,161 3.50%
BOULDER, CO (FHA|USDA|VA) 2 $1,250,000 $625,000 $9,558 4.31%
Calhoun, GA (FHA|USDA|VA) 6 $1,230,000 $205,000 $4,870 3.56%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $1,225,000 $245,000 $6,307 4.12%
HATTIESBURG, MS (FHA|USDA|VA) 7 $1,125,000 $160,714 $4,737 3.21%
TYLER, TX (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $20,616 4.38%
MERCED, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $6,421 4.00%
Milledgeville, GA (FHA|USDA|VA) 4 $1,050,000 $262,500 $3,926 3.19%
BEND, OR (FHA|USDA|VA) 2 $1,050,000 $525,000 $7,493 3.50%
TULSA, OK (FHA|USDA|VA) 3 $1,025,000 $341,667 $6,948 4.71%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,020,000 $510,000 $8,330 3.88%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $1,010,000 $505,000 $8,436 4.06%
NAPA, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $7,125 3.19%
MOBILE, AL (FHA|USDA|VA) 4 $990,000 $247,500 $3,462 3.28%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $975,000 $325,000 $6,903 6.67%
ODESSA, TX (FHA|USDA|VA) 1 $965,000 $965,000 $18,249 6.13%
MODESTO, CA (FHA|USDA|VA) 2 $960,000 $480,000 $8,381 5.13%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $930,000 $465,000 $6,970 5.87%
Shelby, NC (FHA|USDA|VA) 4 $920,000 $230,000 $4,181 5.06%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $910,000 $455,000 $11,027 4.50%
FLORENCE, SC (FHA|USDA|VA) 7 $885,000 $126,429 $4,908 2.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $855,000 $855,000 $13,054 5.63%
Henderson, NC (FHA|USDA|VA) 2 $840,000 $420,000 $5,044 3.19%
Lumberton, NC (FHA|USDA|VA) 5 $825,000 $165,000 $7,650 2.90%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $820,000 $410,000 $8,151 5.44%
Picayune, MS (FHA|USDA|VA) 4 $810,000 $202,500 $5,619 3.75%
TUCSON, AZ (FHA|USDA|VA) 2 $780,000 $390,000 $8,394 5.50%
Fitzgerald, GA (FHA|USDA|VA) 4 $780,000 $195,000 $5,112 3.16%
Marion, NC (FHA|USDA|VA) 1 $725,000 $725,000 $17,305 4.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $710,000 $355,000 $4,169 5.13%
PITTSBURGH, PA (FHA|USDA|VA) 2 $700,000 $350,000 $7,910 3.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $695,000 $231,667 $6,678 5.17%
Sulphur Springs, TX (FHA|USDA|VA) 2 $690,000 $345,000 $8,244 4.31%
PUEBLO, CO (FHA|USDA|VA) 4 $690,000 $172,500 $4,071 3.25%
Cornelia, GA (FHA|USDA|VA) 4 $680,000 $170,000 $4,906 4.13%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $670,000 $167,500 $5,095 3.38%
Cordele, GA (FHA|USDA|VA) 2 $660,000 $330,000 $5,409 3.19%
CARSON CITY, NV (FHA|USDA|VA) 2 $650,000 $325,000 $8,147 3.19%
VALLEJO, CA (FHA|USDA|VA) 2 $650,000 $325,000 $3,534 3.31%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $645,000 $215,000 $5,048 4.21%
REDDING, CA (FHA|USDA|VA) 1 $635,000 $635,000 $4,735 3.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $630,000 $315,000 $7,411 5.75%
ROME, GA (FHA|USDA|VA) 5 $625,000 $125,000 $3,609 3.35%
Newport, OR (FHA|USDA|VA) 1 $625,000 $625,000 $9,663 6.00%
Laurel, MS (FHA|USDA|VA) 3 $625,000 $208,333 $5,359 3.17%
Forest City, NC (FHA|USDA|VA) 2 $620,000 $310,000 $4,667 3.38%
STOCKTON, CA (FHA|USDA|VA) 2 $600,000 $300,000 $6,360 3.06%
Bogalusa, LA (FHA|USDA|VA) 3 $565,000 $188,333 $4,592 3.00%
Thomasville, GA (FHA|USDA|VA) 3 $555,000 $185,000 $6,000 2.79%
Roseburg, OR (FHA|USDA|VA) 1 $545,000 $545,000 $6,055 2.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $530,000 $265,000 $7,318 4.94%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $530,000 $265,000 $5,110 4.56%
THE VILLAGES, FL (FHA|USDA|VA) 2 $520,000 $260,000 $7,250 4.38%
WICHITA, KS (FHA|USDA|VA) 2 $510,000 $255,000 $5,471 4.44%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $510,000 $255,000 $4,759 2.88%
Ruidoso, NM (FHA|USDA|VA) 3 $505,000 $168,333 $7,174 3.83%
Outside of Metro Areas 1 $505,000 $505,000 $4,708 2.75%
Starkville, MS (FHA|USDA|VA) 2 $500,000 $250,000 $3,020 2.94%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $495,000 $165,000 $2,552 3.17%
Ottawa, KS (FHA|USDA|VA) 2 $490,000 $245,000 $5,290 5.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $490,000 $245,000 $8,017 4.06%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $485,000 $485,000 $8,124 5.00%
Kinston, NC (FHA|USDA|VA) 2 $480,000 $240,000 $3,570 3.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,100 3.38%
Coldwater, MI (FHA|USDA|VA) 1 $475,000 $475,000 $8,041 5.38%
Jackson, WY-ID (FHA|USDA|VA) 1 $475,000 $475,000 $4,700 3.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $470,000 $235,000 $6,170 4.13%
Traverse City, MI (FHA|USDA|VA) 1 $465,000 $465,000 $7,997 4.38%
FLINT, MI (FHA|USDA|VA) 2 $450,000 $225,000 $4,183 4.31%
Taos, NM (FHA|USDA|VA) 1 $415,000 $415,000 $6,810 5.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $410,000 $205,000 $3,283 4.25%
Shelbyville, TN (FHA|USDA|VA) 1 $405,000 $405,000 $4,294 3.13%
Lufkin, TX (FHA|USDA|VA) 1 $405,000 $405,000 $9,058 4.50%
Durango, CO (FHA|USDA|VA) 1 $385,000 $385,000 $3,795 3.25%
Nacogdoches, TX (FHA|USDA|VA) 1 $385,000 $385,000 $9,765 6.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $375,000 $375,000 $11,932 3.25%
Greeneville, TN (FHA|USDA|VA) 1 $375,000 $375,000 $3,827 3.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $8,152 6.63%
Tupelo, MS (FHA|USDA|VA) 1 $365,000 $365,000 $5,164 2.75%
Bennettsville, SC (FHA|USDA|VA) 1 $365,000 $365,000 $2,581 3.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $355,000 $118,333 $4,005 4.79%
Americus, GA (FHA|USDA|VA) 1 $345,000 $345,000 $7,902 3.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $340,000 $170,000 $5,305 3.31%
CHICO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $7,032 6.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $330,000 $165,000 $3,720 3.88%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $325,000 $325,000 $9,115 2.75%
Moultrie, GA (FHA|USDA|VA) 2 $320,000 $160,000 $4,263 2.81%
Easton, MD (FHA|USDA|VA) 1 $315,000 $315,000 $3,548 2.88%
Danville, VA (FHA|USDA|VA) 2 $310,000 $155,000 $2,728 3.19%
Rockport, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,834 3.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $300,000 $150,000 $4,564 5.25%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $295,000 $295,000 $2,587 2.25%
Albemarle, NC (FHA|USDA|VA) 2 $290,000 $145,000 $4,848 3.81%
Montrose, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,369 2.88%
MIDLAND, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,353 2.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $275,000 $275,000 $4,271 2.75%
Kerrville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $5,422 6.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,136 3.38%
Klamath Falls, OR (FHA|USDA|VA) 1 $265,000 $265,000 $3,562 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $255,000 $255,000 $2,421 2.75%
Dublin, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,670 3.25%
Show Low, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $7,680 5.37%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $6,294 3.88%
Pahrump, NV (FHA|USDA|VA) 1 $245,000 $245,000 $7,177 3.00%
Brevard, NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,576 3.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $6,926 6.88%
Oxford, MS (FHA|USDA|VA) 1 $235,000 $235,000 $3,558 3.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $235,000 $235,000 $6,590 7.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $235,000 $235,000 $7,274 4.25%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $235,000 $235,000 $5,106 6.00%
Sanford, NC (FHA|USDA|VA) 1 $235,000 $235,000 $7,527 3.00%
DALTON, GA (FHA|USDA|VA) 1 $225,000 $225,000 $5,738 2.75%
Aberdeen, WA (FHA|USDA|VA) 1 $225,000 $225,000 $4,061 4.13%
Brenham, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,893 2.88%
Douglas, GA (FHA|USDA|VA) 1 $225,000 $225,000 $7,702 3.50%
Gaffney, SC (FHA|USDA|VA) 1 $225,000 $225,000 $3,797 3.00%
Lamesa, TX (FHA|USDA|VA) 1 $225,000 $225,000 $9,405 3.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $215,000 $215,000 $5,611 5.63%
Whitewater, WI (FHA|USDA|VA) 1 $215,000 $215,000 $4,457 6.63%
Lake City, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,221 4.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $5,386 5.75%
Newberry, SC (FHA|USDA|VA) 1 $205,000 $205,000 $7,232 2.88%
Silver City, NM (FHA|USDA|VA) 1 $195,000 $195,000 $7,580 3.00%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,981 6.50%
MONROE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,752 4.25%
Deming, NM (FHA|USDA|VA) 1 $185,000 $185,000 $6,803 3.63%
GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $4,374 5.00%
Boone, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,714 2.63%
St. Marys, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,274 3.63%
Lewisburg, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,431 3.00%
Durant, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,124 3.88%
WACO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,067 3.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,633 3.25%
Fort Polk South, LA (FHA|USDA|VA) 1 $155,000 $155,000 $3,540 2.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,081 3.63%
AMES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $4,014 7.13%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,904 3.63%
ABILENE, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,683 3.87%
Stephenville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,156 3.38%
Bainbridge, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,416 2.75%
Athens, TN (FHA|USDA|VA) 1 $145,000 $145,000 $375 3.00%
Cedartown, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,768 3.00%
Adrian, MI (FHA|USDA|VA) 1 $145,000 $145,000 $4,498 5.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,114 3.75%
Atmore, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,896 3.25%
McMinnville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $5,042 2.75%
Alamogordo, NM (FHA|USDA|VA) 1 $135,000 $135,000 $2,740 3.25%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $125,000 $125,000 $4,418 5.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $125,000 $125,000 $6,147 3.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,975 2.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,398 3.38%
SPARTANBURG, SC (FHA|USDA|VA) 1 $125,000 $125,000 $4,283 5.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,653 3.63%
STAUNTON, VA (FHA|USDA|VA) 1 $115,000 $115,000 $5,091 2.38%
MUNCIE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,704 5.63%
Opelousas, LA (FHA|USDA|VA) 1 $105,000 $105,000 $3,797 3.13%
Vicksburg, MS (FHA|USDA|VA) 1 $95,000 $95,000 $3,428 3.25%
Ottawa, IL (FHA|USDA|VA) 1 $95,000 $95,000 $4,130 4.63%
Thomaston, GA (FHA|USDA|VA) 1 $85,000 $85,000 $4,091 3.63%
DECATUR, AL (FHA|USDA|VA) 1 $75,000 $75,000 $3,485 5.38%

Angel Oak Home Loans 's top markets include Atlanta, Wilmington, Dallas, Austin, and Los Angeles among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 6,508 $2,258,470,000 $347,030 $5,549 3.47%
FHA 1,009 $230,205,000 $228,152 $8,199 3.07%
VA 637 $207,805,000 $326,224 $6,369 2.78%
USDA 247 $42,185,000 $170,789 $5,522 2.95%

For the 2021 period, Angel Oak Home Loans 's most frequently originated loan type of loans were Conventional, with 6,508 originations. Their 2nd most popular type is FHA, with 1,009 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 5,590 $1,809,940,000 $323,782 $6,283 3.37%
Refi 2,811 $928,725,000 $330,390 $5,227 3.33%

For the 2021, Angel Oak Home Loans 's most frequently cited loan purpose of loans were Home Purchase, with 5,590 originations. The 2nd most popular reason of loans were Refi, with 2,811 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 7,675 $2,527,275,000 $329,287 $6,067 3.42%
15 Year 497 $124,725,000 $250,956 $3,977 2.59%
20 Year 118 $28,420,000 $240,847 $3,504 2.63%
30+ year 54 $49,360,000 $914,074 $13,597 4.69%
10 Year 38 $3,220,000 $84,737 $1,367 0.93%
Other 19 $5,665,000 $298,158 $3,703 3.10%

For the 2021, Angel Oak Home Loans 's most frequently cited loan length of loans were 30 Year, with 7,675 originations. The 2nd most popular length of loans were 15 Year, with 497 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,791 $1,359,735,000 $283,810
$2k-3k 978 $255,200,000 $260,941
$3k-4k 961 $299,595,000 $311,753
$<1k 841 $268,935,000 $319,780
$5k+ 821 $552,885,000 $673,429

$6,067 of loans were Angel Oak Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,791 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 3,918 $1,246,950,000 $318,262
2.5-3% 2,772 $865,550,000 $312,247
4-5% 596 $267,340,000 $448,557
<2.5% 577 $162,975,000 $282,452
5-6% 399 $145,165,000 $363,822
6-7% 120 $42,750,000 $356,250
7-8% 18 $6,030,000 $335,000
Over 8% 1 $1,905,000 $1,905,000

During 2021, Angel Oak Home Loans 's average interest rate of loans were 3.42%, while their most frequently originated rate bucket of loans were 3-4%, with 3,918 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,798 $1,078,710,000 $284,021 $5,663 3.33%
$100k-200k 2,284 $353,840,000 $154,921 $4,473 3.34%
$400k-600k 1,211 $582,995,000 $481,416 $6,474 3.35%
$600k-1MM 511 $381,615,000 $746,800 $10,269 3.70%
$100,000 or less 369 $27,505,000 $74,539 $3,351 3.02%
$1MM+ 228 $314,000,000 $1,377,193 $16,476 3.79%

2021 saw Angel Oak Home Loans place emphasis on $200k-400k loans with 3,798 originations, totaling $1,078,710,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 1,650 $366,520,000 $222,133 $5,357 3.12%
$100k-150k 1,617 $508,855,000 $314,691 $5,477 3.27%
$50k or less 1,424 $273,650,000 $192,170 $5,083 3.44%
$150k-250k 1,374 $583,710,000 $424,825 $6,227 3.46%
$75k-100k 1,255 $331,555,000 $264,187 $5,572 3.26%
$250k+ 1,020 $650,860,000 $638,098 $8,868 3.76%

Angel Oak Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,650 originations. The second most popular income band? $100k-150k, with 1,617 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,572 $502,990,000 $319,968 $5,283 3.24%
30-36% 1,462 $473,440,000 $323,830 $5,552 3.28%
<20% 781 $283,675,000 $363,220 $5,926 3.47%
50-60% 435 $127,235,000 $292,494 $8,441 3.01%
44% 323 $102,465,000 $317,229 $5,945 3.32%
42% 317 $102,735,000 $324,085 $5,871 3.30%
40% 310 $99,750,000 $321,774 $5,901 3.43%
41% 302 $97,600,000 $323,179 $5,786 3.30%
39% 290 $90,960,000 $313,655 $5,765 3.26%
43% 274 $94,280,000 $344,088 $6,402 3.30%
38% 272 $87,470,000 $321,581 $5,654 3.26%
49% 250 $94,230,000 $376,920 $6,814 3.47%
37% 250 $83,450,000 $333,800 $5,603 3.29%
46% 245 $81,195,000 $331,408 $6,020 3.40%
36% 241 $75,695,000 $314,087 $5,559 3.19%
47% 228 $79,160,000 $347,193 $6,587 3.36%
45% 226 $76,610,000 $338,982 $6,138 3.30%
48% 202 $68,590,000 $339,554 $6,735 3.35%
>60% 8 $2,000,000 $250,000 $6,399 2.84%

Angel Oak Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,572 originations. The next most common DTI ratio? 30-36%, with 1,462 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,968 $1,930,630,000 $323,497 $5,753 3.33%
Not provided 1,243 $457,215,000 $367,832 $6,339 3.44%
Black 808 $212,160,000 $262,574 $6,417 3.30%
Asian 260 $95,860,000 $368,692 $6,133 3.56%
American Indian 45 $15,235,000 $338,556 $6,466 3.38%
Asian Indian 31 $12,555,000 $405,000 $7,545 3.91%
Vietnamese 12 $3,510,000 $292,500 $5,155 3.65%
Native Hawaiian 8 $3,100,000 $387,500 $8,682 3.38%
Other Asian 8 $2,580,000 $322,500 $5,890 3.63%
Chinese 8 $1,930,000 $241,250 $5,768 3.80%
Korean 2 $1,310,000 $655,000 $8,380 3.43%
Filipino 4 $1,260,000 $315,000 $6,912 3.91%
Other Pacific Islander 3 $935,000 $311,667 $5,544 4.17%
1 $385,000 $385,000 $7,682 6.25%

Approval Rates

Total approvals of all applications
91.51%

Angel Oak Home Loans has an average approval rate.

Pick Rate

Approvals leading to origination
72.90%

Angel Oak Home Loans has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 8,401 $2,738,665,000 $325,993

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
8,401 $2,738,665,000 $325,993

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 257 $63,535,000 $247,218 $4,459 3.06%
40-60% 892 $299,830,000 $336,132 $4,969 3.17%
60-80% 2,976 $1,044,880,000 $351,102 $5,686 3.53%
80-100% 4,049 $1,269,675,000 $313,577 $6,223 3.34%
Over 100% 177 $57,945,000 $327,373 $11,655 2.84%
Under 20% 50 $2,800,000 $56,000 $1,083 0.82%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Angel Oak Home Loans LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 33.3%
Angel Oak Home Loans LLC Conventional home mortgage Closing on a mortgage 1 16.7%
Angel Oak Home Loans LLC Conventional home mortgage Trouble during payment process 2 33.3%
Angel Oak Home Loans LLC FHA mortgage Closing on a mortgage 1 16.7%