Angel Oak Home Loans Mortgage Rates, Fees & Info
ATLANTA, GALEI: 549300GDBIZCOI6TMO49
Tax ID: 27-3863726
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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, Dallas, Raleigh, Charlotte, and Los Angeles among others. We have data for 169 markets. (Some data included below & more in-depth data is available with an active subscription.)Angel Oak Home Loans has an 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 | 7.12% | 4/21/24 |
| 30 Year Conventional Refi | 7.40% | 4/21/24 |
| 30 Year Cash-out Refi | 6.27% | 4/21/24 |
| 30 Year FHA Purchase | 7.55% | 4/21/24 |
| 30 Year FHA Refi | 7.49% | 4/21/24 |
| 30 Year VA Purchase | 6.32% | 4/21/24 |
| 30 Year VA Refi | 6.13% | 4/21/24 |
| 30 Year USDA Purchase | 6.99% | 4/21/24 |
| 30 Year USDA Refi | 6.99% | 4/21/24 |
| 15 Year Conventional Purchase | 5.16% | 4/21/24 |
| 15 Year Conventional Refi | 6.27% | 4/21/24 |
| 15 Year Cash-out Refi | 6.27% | 4/21/24 |
| 15 Year FHA Purchase | 7.76% | 4/21/24 |
| 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. | ||
Angel Oak Home Loans Mortgage Calculator
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This is not an official calculator from Angel Oak Home Loans. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,910Origination Dollar Volume (All Markets)
$1,134,560,000Awards
ANGEL OAK HOME LOANS - 2019
ANGEL OAK HOME LOANS is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 916 | $322,340,000 | $351,900 | $5,768 | 4.62% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 188 | $58,570,000 | $311,543 | $8,242 | 4.98% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 160 | $45,470,000 | $284,188 | $4,847 | 4.80% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 150 | $44,980,000 | $299,867 | $5,492 | 5.03% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 66 | $43,130,000 | $653,485 | $7,305 | 4.83% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 147 | $37,395,000 | $254,388 | $5,491 | 4.27% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 135 | $35,585,000 | $263,593 | $4,953 | 4.39% |
| WILMINGTON, NC (FHA|USDA|VA) | 141 | $33,965,000 | $240,887 | $4,914 | 4.45% |
| BATON ROUGE, LA (FHA|USDA|VA) | 101 | $31,285,000 | $309,752 | $5,301 | 4.42% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 92 | $29,250,000 | $317,935 | $6,528 | 4.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 76 | $24,840,000 | $326,842 | $6,694 | 4.73% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 125 | $24,385,000 | $195,080 | $4,658 | 4.57% |
| VALDOSTA, GA (FHA|USDA|VA) | 133 | $24,185,000 | $181,842 | $4,742 | 4.22% |
| GREENVILLE, NC (FHA|USDA|VA) | 109 | $22,175,000 | $203,440 | $4,073 | 4.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 64 | $21,920,000 | $342,500 | $6,723 | 5.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 82 | $18,880,000 | $230,244 | $6,777 | 4.68% |
| JACKSON, MS (FHA|USDA|VA) | 67 | $16,695,000 | $249,179 | $5,148 | 4.12% |
| COLUMBIA, SC (FHA|USDA|VA) | 105 | $15,765,000 | $150,143 | $5,600 | 3.76% |
| Outside of Metro Areas | 81 | $15,445,000 | $190,679 | $4,864 | 4.74% |
| SAVANNAH, GA (FHA|USDA|VA) | 70 | $14,820,000 | $211,714 | $5,788 | 4.55% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 31 | $14,405,000 | $464,677 | $6,632 | 4.40% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 36 | $14,310,000 | $397,500 | $7,252 | 5.10% |
| Tifton, GA (FHA|USDA|VA) | 88 | $14,060,000 | $159,773 | $4,892 | 4.18% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 31 | $11,115,000 | $358,548 | $8,327 | 5.58% |
| Wilson, NC (FHA|USDA|VA) | 58 | $9,800,000 | $168,966 | $5,202 | 4.28% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 35 | $9,355,000 | $267,286 | $4,572 | 4.49% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 10 | $9,090,000 | $909,000 | $8,109 | 5.33% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 17 | $8,855,000 | $520,882 | $7,889 | 5.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 19 | $7,265,000 | $382,368 | $7,027 | 5.01% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 12 | $7,130,000 | $594,167 | $11,297 | 5.85% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 24 | $6,420,000 | $267,500 | $7,049 | 5.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 19 | $6,345,000 | $333,947 | $7,452 | 6.74% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 32 | $6,020,000 | $188,125 | $4,595 | 4.21% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 33 | $5,825,000 | $176,515 | $5,707 | 4.37% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $5,185,000 | $740,714 | $8,240 | 5.43% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $4,745,000 | $527,222 | $8,615 | 5.18% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $4,085,000 | $240,294 | $6,272 | 5.49% |
| Morehead City, NC (FHA|USDA|VA) | 14 | $3,720,000 | $265,714 | $5,000 | 4.86% |
| GAINESVILLE, GA (FHA|USDA|VA) | 12 | $3,340,000 | $278,333 | $4,946 | 4.07% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 14 | $3,320,000 | $237,143 | $5,719 | 5.60% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 16 | $3,210,000 | $200,625 | $4,299 | 4.30% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $3,050,000 | $508,333 | $8,223 | 5.02% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,905,000 | $581,000 | $6,864 | 5.65% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 9 | $2,875,000 | $319,444 | $4,799 | 4.57% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $2,850,000 | $356,250 | $6,480 | 5.10% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $2,555,000 | $851,667 | $16,546 | 5.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $2,540,000 | $254,000 | $7,628 | 5.47% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $2,525,000 | $841,667 | $12,361 | 4.83% |
| Washington, NC (FHA|USDA|VA) | 10 | $2,490,000 | $249,000 | $5,739 | 4.56% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $2,415,000 | $268,333 | $6,576 | 6.90% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $7,221 | 6.11% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $5,150 | 5.35% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $2,195,000 | $313,571 | $7,505 | 5.09% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 12 | $2,190,000 | $182,500 | $5,056 | 4.85% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $6,733 | 5.15% |
| HAMMOND, LA (FHA|USDA|VA) | 10 | $2,080,000 | $208,000 | $4,091 | 4.12% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,890,000 | $945,000 | $4,748 | 4.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $7,062 | 5.63% |
| Statesboro, GA (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $7,293 | 4.15% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $1,705,000 | $189,444 | $4,429 | 6.10% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $5,335 | 5.06% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $4,571 | 4.67% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $5,593 | 3.89% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $6,456 | 4.25% |
| ALBANY, GA (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $5,224 | 4.36% |
| Calhoun, GA (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $6,185 | 3.69% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $9,454 | 5.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $13,948 | 4.88% |
| Thomaston, GA (FHA|USDA|VA) | 11 | $1,155,000 | $105,000 | $4,669 | 4.24% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,723 | 5.84% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $7,984 | 4.94% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $14,638 | 5.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $6,748 | 5.62% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,139 | 5.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $7,028 | 4.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $6,615 | 6.00% |
| Georgetown, SC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $6,375 | 5.22% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $4,882 | 6.22% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $5,477 | 6.28% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $5,492 | 7.22% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $8,423 | 7.19% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,733 | 5.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,876 | 4.87% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $6,506 | 5.49% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,128 | 4.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,926 | 5.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,310 | 5.41% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,185 | 6.69% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,154 | 5.06% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,238 | 4.37% |
| NEW BERN, NC (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $3,178 | 5.84% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,778 | 3.81% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,523 | 5.25% |
| McComb, MS (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,282 | 4.06% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,212 | 6.31% |
| Sonora, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $8,594 | 6.88% |
| Bonham, TX (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,343 | 4.75% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,099 | 5.17% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,740 | 5.00% |
| DALTON, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,480 | 5.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,813 | 3.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,907 | 4.93% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,742 | 5.13% |
| Huntington, IN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,523 | 9.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,318 | 3.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,984 | 6.94% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,942 | 6.75% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,879 | 6.75% |
| Bogalusa, LA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,344 | 4.46% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,314 | 8.06% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,031 | 4.63% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,333 | 4.67% |
| Kinston, NC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,879 | 4.46% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,259 | 7.50% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,443 | 4.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,316 | 5.13% |
| ROME, GA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,958 | 5.54% |
| TYLER, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,192 | 5.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,477 | 4.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,299 | 5.50% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,409 | 4.38% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,092 | 7.62% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,568 | 4.13% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,269 | 4.44% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,567 | 3.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,648 | 4.00% |
| Effingham, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,958 | 4.25% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,912 | 4.13% |
| Boone, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,444 | 4.06% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,141 | 4.44% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,426 | 5.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,909 | 6.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,844 | 6.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,112 | 3.81% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,532 | 5.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,729 | 4.99% |
| Sanford, NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,536 | 4.37% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,419 | 5.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,010 | 8.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,922 | 3.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,992 | 7.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,207 | 4.38% |
| Durant, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,516 | 2.75% |
| Picayune, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,472 | 4.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,617 | 8.13% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,077 | 8.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,312 | 7.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,632 | 4.38% |
| Fitzgerald, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,043 | 3.94% |
| Marion, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,338 | 3.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,703 | 4.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,435 | 3.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,072 | 6.50% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,627 | 4.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,160 | 4.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,647 | 6.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,222 | 6.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,853 | 9.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,651 | 4.25% |
| Centralia, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,487 | 5.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $7,171 | 2.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,351 | 3.75% |
| Rockingham, NC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $3,824 | 4.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,343 | 4.13% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,945 | 5.50% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,143 | 3.63% |
| Snyder, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,444 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,399 | 3.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,930 | 4.38% |
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We use machine learning to identify the top lenders compared against ANGEL OAK HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2019, Angel Oak Home Loans's most frequently originated type of loan was Conventional, with 2,809 originations. Their 2nd most popular type was FHA, with 675 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 3,013 | $833,965,000 | $276,789 | $5,888 | 4.65% |
| Refi | 897 | $300,595,000 | $335,111 | $5,457 | 4.71% |
For 2019, Angel Oak Home Loans's most frequently cited loan purpose was Home Purchase, with 3,013 originations. The 2nd most popular reason was Refi, with 897 originations.
Loan Duration/Length
For 2019, Angel Oak Home Loans's most frequently cited loan duration was 30 Year, with 3,633 originations. The 2nd most popular length was 15 Year, with 157 originations.
Origination Fees/Closing Costs
Angel Oak Home Loans's average total fees were $5,903, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,193 originations.
Interest Rates
During 2019, Angel Oak Home Loans's average interest rate for loans was 4.70%, while their most frequently originated rate bucket for loans was 4-5%, with 1,602 originations.
Loan Sizing
2019 saw Angel Oak Home Loans place emphasis on $200k-400k loans with 1,680 originations, totaling $467,810,000 in origination value.
Applicant Income
Angel Oak Home Loans lent most frequently to those with incomes in the $50k-75k range, with 836 originations. The second most popular income band? $100k-150k, with 772 originations.
Applicant Debt to Income Ratio
Angel Oak Home Loans lent most frequently to those with DTI ratios of 30-36%, with 641 originations. The next most common DTI ratio? 20-30%, with 638 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.17%
Angel Oak Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination76.42%
Angel Oak Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,910 | $1,134,560,000 | $290,169 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 40 | $4,690,000 | $117,250 |
| Single Family (1-4 Units):Site-Built | 3,870 | $1,129,870,000 | $291,956 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Angel Oak Mortgage Solutions LLC | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |