Angel Oak Mortgage Solutions Rates, Fees & Info
WILMINGTON, DELEI: 549300KSOOZZVXCMA627
Tax ID: 46-4200240
1 stars - Updated: 12/3/24
-
out of 5 stars, based on 55 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Angel Oak Mortgage Solutions is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Angel Oak Mortgage Solutions has a high proportion of conventional loans. Their top markets by origination volume include: Miami, Los Angeles, Tampa, Dallas, and Houston among others. We have data for 293 markets. (Some data included below & more in-depth data is available with an active subscription.)Angel Oak Mortgage Solutions 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 Mortgage Solutions is typically a high 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 relatively high 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 | 8.40% | 12/3/24 |
| 30 Year Conventional Refi | 7.44% | 12/3/24 |
| 30 Year Cash-out Refi | 8.03% | 12/3/24 |
| 15 Year Conventional Purchase | 5.68% | 12/3/24 |
| 15 Year Conventional Refi | 6.18% | 12/3/24 |
| 15 Year Cash-out Refi | 6.18% | 12/3/24 |
| 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 Mortgage Solutions Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Angel Oak Mortgage Solutions. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,050Origination Dollar Volume (All Markets)
$1,309,750,000Relative Rate
Angel Oak Mortgage Solutions's average 30 year fixed mortgage rate was
8.44%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 1.96%.
Relative Fees (Closing Costs)
Angel Oak Mortgage Solutions's average total fees/closing costs for a 30 year fixed rate
mortgage were $16,802.
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 $9,089.
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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 459 | $217,225,000 | $473,257 | $20,466 | 8.31% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 113 | $90,345,000 | $799,513 | $20,870 | 8.15% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 123 | $54,175,000 | $440,447 | $16,793 | 8.34% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 102 | $45,690,000 | $447,941 | $18,054 | 8.51% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 98 | $38,740,000 | $395,306 | $19,479 | 8.59% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 66 | $32,600,000 | $493,939 | $15,443 | 8.29% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 74 | $32,260,000 | $435,946 | $16,171 | 8.41% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 30 | $27,490,000 | $916,333 | $22,136 | 8.09% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 69 | $26,015,000 | $377,029 | $18,913 | 8.28% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 60 | $24,380,000 | $406,333 | $15,833 | 8.27% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 27 | $23,465,000 | $869,074 | $22,250 | 8.35% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 52 | $22,850,000 | $439,423 | $17,455 | 8.17% |
| Outside of Metro Areas | 57 | $22,225,000 | $389,912 | $12,353 | 8.73% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 48 | $19,880,000 | $414,167 | $17,986 | 8.58% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 49 | $19,845,000 | $405,000 | $18,848 | 8.68% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 31 | $19,185,000 | $618,871 | $21,582 | 8.12% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 55 | $19,095,000 | $347,182 | $13,974 | 8.65% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 34 | $17,560,000 | $516,471 | $15,757 | 8.48% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 31 | $16,985,000 | $547,903 | $23,317 | 8.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 49 | $16,685,000 | $340,510 | $12,250 | 8.68% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 43 | $16,545,000 | $384,767 | $17,183 | 8.46% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 45 | $14,885,000 | $330,778 | $12,469 | 8.44% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 42 | $14,820,000 | $352,857 | $16,066 | 8.17% |
| Key West, FL (FHA|USDA|VA) | 11 | $13,305,000 | $1,209,545 | $63,919 | 8.48% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 22 | $12,920,000 | $587,273 | $18,908 | 8.39% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 27 | $11,915,000 | $441,296 | $18,048 | 9.07% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 15 | $11,825,000 | $788,333 | $32,862 | 8.07% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 34 | $11,720,000 | $344,706 | $16,250 | 8.22% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 30 | $11,550,000 | $385,000 | $20,968 | 8.23% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 40 | $11,420,000 | $285,500 | $10,938 | 8.71% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 21 | $10,645,000 | $506,905 | $13,738 | 8.34% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 22 | $10,420,000 | $473,636 | $16,811 | 8.70% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $9,850,000 | $615,625 | $31,256 | 8.61% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 27 | $9,635,000 | $356,852 | $10,472 | 8.83% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 29 | $9,555,000 | $329,483 | $13,514 | 8.91% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $9,555,000 | $455,000 | $22,170 | 8.47% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 13 | $9,365,000 | $720,385 | $21,812 | 8.18% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 13 | $8,105,000 | $623,462 | $19,766 | 8.61% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 15 | $7,305,000 | $487,000 | $17,256 | 8.20% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 23 | $7,065,000 | $307,174 | $11,160 | 8.21% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 21 | $6,655,000 | $316,905 | $14,210 | 8.54% |
| RICHMOND, VA (FHA|USDA|VA) | 26 | $6,650,000 | $255,769 | $9,590 | 8.66% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 18 | $6,640,000 | $368,889 | $16,788 | 8.62% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 23 | $6,075,000 | $264,130 | $15,475 | 8.23% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 19 | $5,595,000 | $294,474 | $16,344 | 8.34% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 17 | $5,065,000 | $297,941 | $14,993 | 8.33% |
| MIDLAND, TX (FHA|USDA|VA) | 12 | $5,020,000 | $418,333 | $15,056 | 8.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $4,830,000 | $1,207,500 | $82,336 | 8.16% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $4,745,000 | $316,333 | $12,229 | 8.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 15 | $4,645,000 | $309,667 | $13,245 | 8.56% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 13 | $4,575,000 | $351,923 | $15,512 | 8.79% |
| COLUMBUS, OH (FHA|USDA|VA) | 15 | $4,575,000 | $305,000 | $13,370 | 8.22% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 11 | $4,525,000 | $411,364 | $17,895 | 8.09% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 13 | $4,415,000 | $339,615 | $9,430 | 8.02% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $4,395,000 | $879,000 | $20,650 | 7.85% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $4,370,000 | $1,092,500 | $15,791 | 8.87% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $3,695,000 | $739,000 | $14,311 | 8.60% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $3,600,000 | $600,000 | $18,394 | 8.77% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 5 | $3,585,000 | $717,000 | $41,377 | 7.92% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $23,068 | 8.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 17 | $3,405,000 | $200,294 | $18,613 | 8.75% |
| SANTA FE, NM (FHA|USDA|VA) | 4 | $3,370,000 | $842,500 | $44,780 | 8.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $3,320,000 | $415,000 | $10,025 | 7.73% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $3,150,000 | $393,750 | $18,018 | 7.80% |
| ST. GEORGE, UT (FHA|USDA|VA) | 6 | $3,130,000 | $521,667 | $11,864 | 8.33% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $2,950,000 | $1,475,000 | $25,117 | 7.94% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $2,915,000 | $323,889 | $14,405 | 9.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 7 | $2,845,000 | $406,429 | $13,695 | 8.39% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $2,835,000 | $405,000 | $17,936 | 7.84% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $2,715,000 | $905,000 | $46,617 | 7.83% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $2,665,000 | $888,333 | $10,544 | 8.29% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $2,605,000 | $521,000 | $20,358 | 9.42% |
| PANAMA CITY, FL (FHA|USDA|VA) | 8 | $2,600,000 | $325,000 | $11,438 | 8.64% |
| OCALA, FL (FHA|USDA|VA) | 8 | $2,580,000 | $322,500 | $17,247 | 8.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $2,520,000 | $252,000 | $12,863 | 7.86% |
| BEND, OR (FHA|USDA|VA) | 4 | $2,480,000 | $620,000 | $13,693 | 9.59% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $2,475,000 | $353,571 | $12,720 | 8.04% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $2,370,000 | $197,500 | $10,103 | 8.80% |
| Georgetown, SC (FHA|USDA|VA) | 5 | $2,255,000 | $451,000 | $0 | 8.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $8,779 | 8.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 8 | $2,230,000 | $278,750 | $12,154 | 7.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $11,644 | 8.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $2,215,000 | $170,385 | $8,131 | 8.73% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 12 | $2,210,000 | $184,167 | $0 | 8.35% |
| EL PASO, TX (FHA|USDA|VA) | 11 | $2,175,000 | $197,727 | $9,124 | 8.93% |
| NAPA, CA (FHA|USDA|VA) | 2 | $2,160,000 | $1,080,000 | $27,768 | 8.12% |
| Heber, UT (FHA|USDA|VA) | 2 | $2,150,000 | $1,075,000 | $18,814 | 9.00% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $2,065,000 | $2,065,000 | $45,412 | 7.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $10,007 | 9.06% |
| ODESSA, TX (FHA|USDA|VA) | 4 | $1,990,000 | $497,500 | $22,739 | 9.09% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $19,600 | 8.57% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $0 | 8.70% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $1,915,000 | $638,333 | $18,302 | 9.04% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,910,000 | $477,500 | $19,328 | 7.53% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $1,905,000 | $635,000 | $15,478 | 8.29% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $1,885,000 | $1,885,000 | $10,187 | 9.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 8 | $1,860,000 | $232,500 | $7,890 | 9.02% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $12,131 | 8.94% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $10,579 | 8.47% |
| Hilo, HI (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $7,686 | 8.28% |
| PITTSBURGH, PA (FHA|USDA|VA) | 9 | $1,625,000 | $180,556 | $9,873 | 8.85% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 11 | $1,605,000 | $145,909 | $7,382 | 8.45% |
| Boone, NC (FHA|USDA|VA) | 2 | $1,560,000 | $780,000 | $26,126 | 8.37% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $10,062 | 7.97% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $18,054 | 8.08% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $13,155 | 7.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $22,597 | 9.42% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $14,147 | 8.33% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $23,316 | 8.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $11,077 | 8.64% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 10 | $1,440,000 | $144,000 | $6,144 | 8.56% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $10,371 | 8.00% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 8.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $10,455 | 8.95% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $16,084 | 8.72% |
| Rockport, TX (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $10,964 | 7.96% |
| RAPID CITY, SD (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $15,880 | 8.31% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $12,252 | 8.73% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $9,693 | 7.81% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $9,073 | 8.65% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $19,186 | 7.31% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $0 | 8.71% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $0 | 8.23% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $13,760 | 8.58% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $0 | 9.87% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $7,720 | 8.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $16,374 | 7.94% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $13,044 | 9.15% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $23,590 | 9.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $16,968 | 8.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $0 | 8.37% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $9,956 | 8.02% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $0 | 8.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $13,099 | 8.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $10,179 | 9.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $7,090 | 8.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $14,892 | 8.78% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $15,565 | 8.79% |
| MADERA, CA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $0 | 8.44% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $14,919 | 7.56% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $8,764 | 8.12% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $16,201 | 8.54% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $16,403 | 8.22% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $11,360 | 8.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $11,754 | 8.29% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $9,970 | 8.83% |
| Newberry, SC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $19,771 | 8.19% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $11,768 | 7.69% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $0 | 7.63% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $11,646 | 8.38% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $19,132 | 9.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $12,542 | 9.58% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,341 | 7.67% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $14,303 | 8.87% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $9,605 | 7.31% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $13,484 | 9.08% |
| Torrington, CT (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $19,892 | 9.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $18,056 | 8.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $0 | 9.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 8.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $14,663 | 8.56% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $7,343 | 8.16% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 8.13% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $19,171 | 7.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $11,199 | 7.75% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $16,831 | 7.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $14,316 | 8.94% |
| REDDING, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $17,445 | 8.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $13,871 | 9.63% |
| AKRON, OH (FHA|USDA|VA) | 6 | $610,000 | $101,667 | $0 | 8.83% |
| RACINE, WI (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 9.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 8.79% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 8.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,257 | 9.38% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 9.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,677 | 8.94% |
| Williston, ND (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $14,048 | 11.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $23,689 | 7.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $12,933 | 8.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 9.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,248 | 8.38% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,883 | 9.56% |
| NILES, MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $16,293 | 9.75% |
| Palestine, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $12,619 | 7.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $19,290 | 9.88% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,717 | 9.31% |
| Warrensburg, MO (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 9.04% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,176 | 8.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,818 | 7.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,336 | 8.19% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,189 | 8.06% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 7.88% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $14,987 | 9.38% |
| WACO, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,421 | 8.50% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,789 | 9.00% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 8.81% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 7.75% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $12,362 | 7.88% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,241 | 7.63% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,788 | 8.13% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 8.56% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $16,768 | 7.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,827 | 8.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $11,238 | 9.19% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,819 | 8.63% |
| Vernal, UT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 10.88% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,590 | 9.00% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 7.63% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,024 | 8.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $13,869 | 9.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 8.13% |
| Laconia, NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,160 | 10.38% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $17,639 | 7.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,319 | 10.25% |
| Moultrie, GA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 9.50% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,734 | 8.75% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,160 | 8.00% |
| Russellville, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,681 | 9.25% |
| Forest City, NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 7.81% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.63% |
| DOVER, DE (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 8.63% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,453 | 9.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,095 | 9.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 8.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,311 | 11.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.88% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 8.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 9.06% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,168 | 7.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,973 | 8.38% |
| Danville, VA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,575 | 9.69% |
| MERCED, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,589 | 10.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,251 | 8.63% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,193 | 9.00% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 9.63% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,703 | 8.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,646 | 7.88% |
| Manitowoc, WI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,401 | 7.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,317 | 9.88% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,694 | 7.50% |
| READING, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,322 | 9.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,996 | 10.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.31% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.75% |
| Bonham, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.38% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 9.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.00% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.38% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.50% |
| Concord, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,428 | 7.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.00% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.88% |
| Cullman, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| Beeville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.00% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.38% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.88% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.38% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.13% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.88% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 12.38% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.63% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.63% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.50% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.63% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,181 | 5.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,050 | $1,309,750,000 | $429,426 | $16,998 | 8.44% |
For 2023, Angel Oak Mortgage Solutions's most frequently originated type of loan was Conventional, with 3,050 originations.
Loan Reason
For 2023, Angel Oak Mortgage Solutions's most frequently cited loan purpose was Home Purchase, with 2,142 originations. The 2nd most popular reason was Cash Out Refi, with 848 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 3,005 | $1,274,865,000 | $424,248 | $16,802 | 8.44% |
| 30+ year | 45 | $34,885,000 | $775,222 | $25,966 | 8.27% |
For 2023, Angel Oak Mortgage Solutions's most frequently cited loan duration was 30 Year, with 3,005 originations. The 2nd most popular length was 30+ year, with 45 originations.
Origination Fees/Closing Costs
Angel Oak Mortgage Solutions's average total fees were $16,802, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,154 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 1,830 | $752,380,000 | $411,137 |
| 7-8% | 1,034 | $473,220,000 | $457,660 |
| 6-7% | 181 | $83,635,000 | $462,072 |
| 5-6% | 5 | $515,000 | $103,000 |
During 2023, Angel Oak Mortgage Solutions's average interest rate for loans was 8.44%, while their most frequently originated rate bucket for loans was Over 8%, with 1,830 originations.
Loan Sizing
2023 saw Angel Oak Mortgage Solutions place emphasis on $200k-400k loans with 1,093 originations, totaling $312,075,000 in origination value.
Applicant Income
Angel Oak Mortgage Solutions lent most frequently to those with incomes in the $250k+ range, with 925 originations. The second most popular income band? $150k-250k, with 349 originations.
Applicant Debt to Income Ratio
Angel Oak Mortgage Solutions lent most frequently to those with DTI ratios of <20%, with 336 originations. The next most common DTI ratio? 20-30%, with 315 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.14%
Angel Oak Mortgage Solutions has a below average approval rate.
Pick Rate
Approvals leading to origination30.66%
Angel Oak Mortgage Solutions 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 | 3,050 | $1,309,750,000 | $429,426 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,050 | $1,309,750,000 | $429,426 |