Angel Oak Home Loans Mortgage Rates, Fees & Info
ATLANTA, GALEI: 549300GDBIZCOI6TMO49
Tax ID: 27-3863726
2.9 stars
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Mortgage Data
Review & 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 by origination volume include: Atlanta, Wilmington, Dallas, Austin, and Los Angeles among others. We have data for 293 markets. (Some data included below & more in-depth data is available with an active subscription.)Angel Oak Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Angel Oak Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.32% | 11/26/22 |
| 30 Year Conventional Refi | 7.15% | 11/26/22 |
| 30 Year FHA Purchase | 7.79% | 11/26/22 |
| 30 Year FHA Refi | 7.47% | 11/26/22 |
| 30 Year VA Purchase | 6.60% | 11/26/22 |
| 30 Year VA Refi | 6.43% | 11/26/22 |
| 30 Year USDA Purchase | 7.16% | 11/26/22 |
| 30 Year USDA Refi | 6.91% | 11/26/22 |
| 15 Year Conventional Purchase | 6.23% | 11/26/22 |
| 15 Year Conventional Refi | 6.32% | 11/26/22 |
| 15 Year Cash-out Refi | 6.32% | 11/26/22 |
| 15 Year FHA Purchase | 7.58% | 11/26/22 |
| 15 Year FHA Refi | 7.34% | 11/26/22 |
| 15 Year VA Purchase | 6.22% | 11/26/22 |
| 15 Year VA Refi | 6.47% | 11/26/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
8,401Origination Dollar Volume (All Markets)
$2,738,665,000Awards
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ANGEL OAK HOME LOANS - 2021
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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 mortgage rate was
3.42%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.27%.
Relative Fees (Closing Costs)
Angel Oak Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,067.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| 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% |
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Product Mix
For 2021, Angel Oak Home Loans's most frequently originated type of loan was Conventional, with 6,508 originations. Their 2nd most popular type was FHA, with 1,009 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. 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 2021, Angel Oak Home Loans's most frequently cited loan purpose was Home Purchase, with 5,590 originations. The 2nd most popular reason was Refi, with 2,811 originations.
Loan Duration/Length
For 2021, Angel Oak Home Loans's most frequently cited loan duration was 30 Year, with 7,675 originations. The 2nd most popular length was 15 Year, with 497 originations.
Origination Fees/Closing Costs
Angel Oak Home Loans's average total fees were $6,067, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,791 originations.
Interest Rates
During 2021, Angel Oak Home Loans's average interest rate for loans was 3.42%, while their most frequently originated rate bucket for loans was 3-4%, with 3,918 originations.
Loan Sizing
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
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
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
Approval Rates
Total approvals of all applications93.59%
Angel Oak Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination68.23%
Angel Oak Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
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
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% |
