Angel Oak Home Loans Mortgage Rates, Fees & Info
ATLANTA, GALEI: 549300GDBIZCOI6TMO49
Tax ID: 27-3863726
2.9 stars
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Mortgage 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
8,401Origination Dollar Volume (All Markets)
$2,738,665,000Awards
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ANGEL OAK HOME LOANS - 2021
ANGEL OAK HOME LOANS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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 applications91.51%
Angel Oak Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination72.90%
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% |
