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, Wilmington, Austin, New Orleans, and Raleigh among others. We have data for 234 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.12% | 12/16/24 |
| 30 Year Conventional Refi | 7.40% | 12/16/24 |
| 30 Year Cash-out Refi | 6.27% | 12/16/24 |
| 30 Year FHA Purchase | 7.55% | 12/16/24 |
| 30 Year FHA Refi | 7.49% | 12/16/24 |
| 30 Year VA Purchase | 6.32% | 12/16/24 |
| 30 Year VA Refi | 6.13% | 12/16/24 |
| 30 Year USDA Purchase | 6.99% | 12/16/24 |
| 30 Year USDA Refi | 6.99% | 12/16/24 |
| 15 Year Conventional Purchase | 5.16% | 12/16/24 |
| 15 Year Conventional Refi | 6.27% | 12/16/24 |
| 15 Year Cash-out Refi | 6.27% | 12/16/24 |
| 15 Year FHA Purchase | 7.76% | 12/16/24 |
| 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
7,555Origination Dollar Volume (All Markets)
$2,166,425,000Awards
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ANGEL OAK HOME LOANS - 2020
ANGEL OAK HOME LOANS is a 2020 , due to their low .
For 2020, 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) | 1,542 | $543,550,000 | $352,497 | $4,775 | 3.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 384 | $101,810,000 | $265,130 | $4,012 | 3.12% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 303 | $87,015,000 | $287,178 | $4,699 | 3.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 292 | $85,270,000 | $292,021 | $3,850 | 3.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 303 | $85,035,000 | $280,644 | $4,131 | 3.30% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 242 | $81,980,000 | $338,760 | $7,152 | 3.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 278 | $81,680,000 | $293,813 | $4,155 | 3.34% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 266 | $68,620,000 | $257,970 | $4,502 | 3.17% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 249 | $64,495,000 | $259,016 | $6,617 | 3.21% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 230 | $52,750,000 | $229,348 | $4,296 | 3.20% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 157 | $52,335,000 | $333,344 | $7,566 | 3.12% |
| BATON ROUGE, LA (FHA|USDA|VA) | 166 | $49,310,000 | $297,048 | $4,245 | 3.16% |
| JACKSON, MS (FHA|USDA|VA) | 195 | $48,185,000 | $247,103 | $4,627 | 3.08% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 85 | $44,785,000 | $526,882 | $4,872 | 3.35% |
| Outside of Metro Areas | 193 | $44,045,000 | $228,212 | $4,760 | 3.28% |
| GREENVILLE, NC (FHA|USDA|VA) | 201 | $44,015,000 | $218,980 | $3,658 | 3.16% |
| SAVANNAH, GA (FHA|USDA|VA) | 191 | $42,765,000 | $223,901 | $5,354 | 3.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 201 | $41,245,000 | $205,199 | $4,548 | 3.06% |
| COLUMBIA, SC (FHA|USDA|VA) | 213 | $34,135,000 | $160,258 | $4,248 | 2.70% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 65 | $32,505,000 | $500,077 | $4,255 | 3.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 89 | $30,835,000 | $346,461 | $5,774 | 3.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 80 | $28,300,000 | $353,750 | $4,871 | 3.51% |
| Tifton, GA (FHA|USDA|VA) | 135 | $27,015,000 | $200,111 | $4,565 | 3.11% |
| Wilson, NC (FHA|USDA|VA) | 113 | $19,525,000 | $172,788 | $3,953 | 3.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 43 | $18,305,000 | $425,698 | $5,959 | 3.35% |
| Brookhaven, MS (FHA|USDA|VA) | 103 | $18,265,000 | $177,330 | $3,753 | 3.03% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 71 | $17,805,000 | $250,775 | $3,770 | 3.42% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 53 | $12,785,000 | $241,226 | $4,014 | 3.24% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 37 | $11,185,000 | $302,297 | $5,668 | 3.74% |
| GAINESVILLE, GA (FHA|USDA|VA) | 35 | $10,975,000 | $313,571 | $5,393 | 3.16% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 58 | $10,060,000 | $173,448 | $4,454 | 3.39% |
| Morehead City, NC (FHA|USDA|VA) | 29 | $9,335,000 | $321,897 | $3,971 | 3.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $8,470,000 | $385,000 | $4,576 | 3.53% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 28 | $8,330,000 | $297,500 | $5,404 | 3.60% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 40 | $7,960,000 | $199,000 | $4,258 | 3.27% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 23 | $6,775,000 | $294,565 | $7,305 | 3.03% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 12 | $6,600,000 | $550,000 | $8,375 | 3.87% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 12 | $6,050,000 | $504,167 | $5,257 | 3.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $5,950,000 | $595,000 | $4,622 | 3.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $5,645,000 | $434,231 | $4,389 | 3.90% |
| BRUNSWICK, GA (FHA|USDA|VA) | 14 | $5,350,000 | $382,143 | $5,606 | 3.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 19 | $5,005,000 | $263,421 | $5,086 | 3.30% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 29 | $4,995,000 | $172,241 | $4,040 | 3.12% |
| EL PASO, TX (FHA|USDA|VA) | 21 | $4,695,000 | $223,571 | $5,395 | 3.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 11 | $4,665,000 | $424,091 | $5,314 | 3.84% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $4,550,000 | $455,000 | $8,905 | 4.09% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 14 | $4,500,000 | $321,429 | $4,853 | 3.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $4,200,000 | $300,000 | $5,947 | 4.60% |
| HAMMOND, LA (FHA|USDA|VA) | 19 | $4,165,000 | $219,211 | $4,089 | 3.05% |
| Washington, NC (FHA|USDA|VA) | 18 | $4,100,000 | $227,778 | $3,977 | 3.12% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 14 | $4,020,000 | $287,143 | $4,139 | 2.84% |
| Jefferson, GA (FHA|USDA|VA) | 15 | $3,885,000 | $259,000 | $4,727 | 3.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $3,850,000 | $481,250 | $8,962 | 4.36% |
| ASHEVILLE, NC (FHA|USDA|VA) | 10 | $3,840,000 | $384,000 | $5,200 | 3.03% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 15 | $3,825,000 | $255,000 | $4,423 | 3.37% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 13 | $3,675,000 | $282,692 | $5,437 | 3.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $3,495,000 | $1,165,000 | $14,733 | 3.71% |
| McComb, MS (FHA|USDA|VA) | 20 | $3,470,000 | $173,500 | $4,444 | 3.01% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 14 | $3,360,000 | $240,000 | $3,320 | 3.42% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,290,000 | $411,250 | $6,250 | 3.36% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 11 | $3,275,000 | $297,727 | $4,103 | 3.28% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 16 | $3,170,000 | $198,125 | $3,738 | 3.30% |
| SUMTER, SC (FHA|USDA|VA) | 20 | $3,160,000 | $158,000 | $4,978 | 3.06% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $2,980,000 | $372,500 | $9,730 | 4.61% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $2,895,000 | $413,571 | $4,280 | 3.61% |
| LAS CRUCES, NM (FHA|USDA|VA) | 14 | $2,790,000 | $199,286 | $4,355 | 3.13% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 11 | $2,755,000 | $250,455 | $4,190 | 2.81% |
| Statesboro, GA (FHA|USDA|VA) | 16 | $2,680,000 | $167,500 | $4,884 | 3.16% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $2,615,000 | $373,571 | $6,857 | 4.30% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,445,000 | $271,667 | $5,304 | 3.64% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $2,395,000 | $217,727 | $4,581 | 3.18% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $2,260,000 | $376,667 | $6,125 | 3.39% |
| Key West, FL (FHA|USDA|VA) | 3 | $2,255,000 | $751,667 | $11,769 | 3.92% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $2,135,000 | $2,135,000 | $36,377 | 2.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $2,115,000 | $423,000 | $4,196 | 3.12% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $2,090,000 | $261,250 | $6,418 | 3.42% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $7,794 | 3.38% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $4,748 | 3.28% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 11 | $1,825,000 | $165,909 | $4,929 | 3.48% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 10 | $1,790,000 | $179,000 | $5,316 | 3.39% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $5,806 | 4.35% |
| NEW BERN, NC (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $4,740 | 3.46% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $4,182 | 3.54% |
| HINESVILLE, GA (FHA|USDA|VA) | 9 | $1,675,000 | $186,111 | $6,143 | 3.47% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,650,000 | $412,500 | $5,917 | 2.78% |
| Milledgeville, GA (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $4,739 | 3.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $4,365 | 2.95% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $4,438 | 3.17% |
| Cordele, GA (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $4,880 | 2.98% |
| BURLINGTON, NC (FHA|USDA|VA) | 8 | $1,480,000 | $185,000 | $3,986 | 3.91% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $3,821 | 2.97% |
| ALBANY, GA (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $3,971 | 3.07% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $3,301 | 3.22% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $3,312 | 3.13% |
| Thomaston, GA (FHA|USDA|VA) | 10 | $1,220,000 | $122,000 | $5,156 | 4.01% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $3,335 | 3.09% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $5,675 | 2.84% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $7,970 | 3.25% |
| Orangeburg, SC (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $7,087 | 2.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $3,306 | 3.15% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $10,990 | 3.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $3,429 | 3.06% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $2,239 | 2.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,598 | 3.60% |
| ROME, GA (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $3,607 | 3.38% |
| Durango, CO (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $5,406 | 3.25% |
| Athens, TN (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,828 | 4.56% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,076 | 2.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $3,254 | 3.38% |
| Fitzgerald, GA (FHA|USDA|VA) | 7 | $765,000 | $109,286 | $5,066 | 3.07% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $7,159 | 2.99% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,175 | 3.08% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $2,643 | 3.63% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,553 | 2.69% |
| Vicksburg, MS (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,159 | 3.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,934 | 2.79% |
| Starkville, MS (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,724 | 2.84% |
| Danville, VA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,615 | 3.00% |
| TYLER, TX (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,585 | 5.31% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,676 | 3.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,671 | 4.25% |
| Laurel, MS (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,389 | 2.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,482 | 3.06% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,964 | 2.81% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,778 | 3.96% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,952 | 3.13% |
| Moultrie, GA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,552 | 2.84% |
| RACINE, WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,895 | 4.19% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,633 | 3.29% |
| Rockport, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,926 | 3.19% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,422 | 3.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,044 | 3.37% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $10,086 | 7.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $12,015 | 3.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $11,597 | 3.25% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,849 | 3.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,698 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,467 | 2.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,742 | 3.63% |
| TULSA, OK (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,268 | 4.31% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,219 | 3.50% |
| Jennings, LA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,553 | 3.06% |
| Kinston, NC (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $3,249 | 3.44% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $8,557 | 2.88% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,492 | 4.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,248 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,193 | 2.38% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,705 | 3.88% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,110 | 2.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,590 | 2.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,292 | 3.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,014 | 3.06% |
| Taos, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,461 | 3.00% |
| Palatka, FL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,920 | 3.83% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,299 | 3.63% |
| Sanford, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,426 | 3.06% |
| NAPA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,338 | 3.25% |
| Silver City, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,469 | 3.13% |
| Seneca, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,080 | 2.75% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,475 | 3.13% |
| ERIE, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,728 | 3.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,371 | 2.63% |
| Granbury, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,317 | 3.87% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,558 | 3.00% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,770 | 3.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,638 | 2.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,076 | 2.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,104 | 2.75% |
| Shelby, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,582 | 3.94% |
| Picayune, MS (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,703 | 4.06% |
| Findlay, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,309 | 6.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,214 | 6.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,264 | 3.13% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,464 | 2.99% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,403 | 2.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,363 | 2.38% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,081 | 3.56% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,308 | 2.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $3,332 | 3.25% |
| Newberry, SC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,676 | 3.19% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,557 | 3.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,773 | 6.75% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,299 | 2.25% |
| Boone, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,375 | 3.00% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,879 | 2.75% |
| Douglas, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,769 | 2.50% |
| MONROE, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,265 | 2.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,276 | 2.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,826 | 4.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,260 | 4.25% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,903 | 2.50% |
| Dublin, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,435 | 3.00% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,128 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,961 | 3.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,229 | 2.88% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,868 | 2.50% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,060 | 6.38% |
| Brevard, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,967 | 3.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,854 | 2.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,597 | 3.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,410 | 2.75% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,810 | 3.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,398 | 3.38% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,905 | 3.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,904 | 4.88% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,020 | 3.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,084 | 4.12% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,268 | 5.24% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,362 | 7.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,349 | 2.38% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,223 | 2.63% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,404 | 3.25% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,117 | 2.38% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,474 | 3.63% |
| Marion, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,852 | 2.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,648 | 5.53% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,419 | 3.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,144 | 3.00% |
| Crossville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,262 | 4.63% |
| Clarksdale, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,789 | 3.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,124 | 2.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,288 | 2.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,242 | 3.25% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,397 | 2.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,216 | 6.50% |
| Paris, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,660 | 2.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,934 | 3.38% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $9,320 | 3.75% |
| Columbus, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,372 | 2.38% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,446 | 2.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,860 | 2.63% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,422 | 3.63% |
| Oxford, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,440 | 3.37% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,211 | 4.25% |
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Product Mix
For 2020, Angel Oak Home Loans's most frequently originated type of loan was Conventional, with 5,685 originations. Their 2nd most popular type was FHA, with 914 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 4,153 | $1,166,165,000 | $280,801 | $5,470 | 3.29% |
| Refi | 3,402 | $1,000,260,000 | $294,021 | $3,930 | 3.15% |
For 2020, Angel Oak Home Loans's most frequently cited loan purpose was Home Purchase, with 4,153 originations. The 2nd most popular reason was Refi, with 3,402 originations.
Loan Duration/Length
For 2020, Angel Oak Home Loans's most frequently cited loan duration was 30 Year, with 6,735 originations. The 2nd most popular length was 15 Year, with 525 originations.
Origination Fees/Closing Costs
Angel Oak Home Loans's average total fees were $4,947, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,134 originations.
Interest Rates
During 2020, Angel Oak Home Loans's average interest rate for loans was 3.29%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,220 originations.
Loan Sizing
2020 saw Angel Oak Home Loans place emphasis on $200k-400k loans with 3,659 originations, totaling $1,034,185,000 in origination value.
Applicant Income
Angel Oak Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,627 originations. The second most popular income band? $50k-75k, with 1,542 originations.
Applicant Debt to Income Ratio
Angel Oak Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,586 originations. The next most common DTI ratio? 30-36%, with 1,263 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.27%
Angel Oak Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination78.07%
Angel Oak Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,555 | $2,166,425,000 | $286,754 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 21 | $2,365,000 | $112,619 |
| Single Family (1-4 Units):Site-Built | 7,534 | $2,164,060,000 | $287,239 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Angel Oak Home Loans LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 60.0% |
| Angel Oak Home Loans LLC | Conventional home mortgage | Trouble during payment process | 1 | 20.0% |
| Angel Oak Home Loans LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |