Angel Oak Mortgage Solutions Rates, Fees & Info

WILMINGTON, DE

LEI: 549300KSOOZZVXCMA627

Tax ID: 46-4200240

1 stars - out of 5 stars, based on 85 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Angel Oak Mortgage Solutions is a mid-sized 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, Riverside, Tampa, and Atlanta among others. We have data for 380 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% 5/28/23
30 Year Conventional Refi 7.44% 5/28/23
30 Year Cash-out Refi 8.03% 5/28/23
15 Year Conventional Purchase 5.68% 5/28/23
15 Year Conventional Refi 6.18% 5/28/23
15 Year Cash-out Refi 6.18% 5/28/23
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

7,239

Origination Dollar Volume (All Markets)

$3,385,585,000

Relative Rate

Angel Oak Mortgage Solutions's average 30 year fixed mortgage rate was 6.23%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 1.47%.

Relative Fees (Closing Costs)

Angel Oak Mortgage Solutions's average total fees/closing costs for a 30 year fixed rate mortgage were $13,314.

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
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,075 $528,055,000 $491,214 $16,218 6.19%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 455 $400,755,000 $880,780 $19,013 5.64%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 213 $111,095,000 $521,573 $15,293 5.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 276 $102,770,000 $372,355 $12,460 6.30%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 212 $99,640,000 $470,000 $13,598 6.53%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 174 $89,720,000 $515,632 $12,674 6.07%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 112 $88,880,000 $793,571 $17,195 5.78%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 106 $88,710,000 $836,887 $17,777 5.83%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 195 $81,545,000 $418,179 $12,676 6.49%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 150 $74,050,000 $493,667 $15,503 6.48%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 189 $67,955,000 $359,550 $11,913 6.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 168 $66,110,000 $393,512 $13,484 6.47%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 116 $48,460,000 $417,759 $13,449 6.40%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 104 $46,370,000 $445,865 $13,784 6.19%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 113 $46,335,000 $410,044 $12,723 5.82%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 73 $45,425,000 $622,260 $12,535 5.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 90 $44,620,000 $495,778 $11,797 5.81%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 75 $40,895,000 $545,267 $16,257 6.19%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 41 $39,265,000 $957,683 $18,171 5.58%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 52 $38,660,000 $743,462 $16,833 6.05%
Outside of Metro Areas 100 $36,980,000 $369,800 $10,517 6.37%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 69 $36,975,000 $535,870 $11,545 6.14%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 68 $33,920,000 $498,824 $13,171 6.52%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 130 $31,920,000 $245,538 $9,926 6.27%
JACKSONVILLE, FL (FHA|USDA|VA) 85 $31,555,000 $371,235 $12,765 6.34%
Key West, FL (FHA|USDA|VA) 37 $31,485,000 $850,946 $22,156 5.95%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 51 $29,265,000 $573,824 $16,817 5.83%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 91 $26,545,000 $291,703 $11,013 6.61%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 47 $26,225,000 $557,979 $15,915 6.15%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 88 $26,190,000 $297,614 $10,353 6.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 64 $26,150,000 $408,594 $12,394 6.05%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 73 $24,065,000 $329,658 $10,197 6.40%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 53 $23,805,000 $449,151 $11,688 6.71%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 29 $22,795,000 $786,034 $20,943 5.22%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 69 $22,355,000 $323,986 $11,593 6.64%
SALT LAKE CITY, UT (FHA|USDA|VA) 37 $20,285,000 $548,243 $11,373 6.05%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 44 $19,690,000 $447,500 $13,629 5.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 38 $18,570,000 $488,684 $11,887 6.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 25 $17,855,000 $714,200 $17,113 6.43%
PROVO-OREM, UT (FHA|USDA|VA) 28 $17,460,000 $623,571 $10,878 6.42%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 65 $16,615,000 $255,615 $8,946 6.17%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 55 $15,125,000 $275,000 $11,808 6.21%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 37 $13,305,000 $359,595 $11,224 6.85%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 26 $12,490,000 $480,385 $12,797 6.51%
URBAN HONOLULU, HI (FHA|USDA|VA) 14 $12,230,000 $873,571 $19,189 6.70%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 28 $11,600,000 $414,286 $14,836 6.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 40 $11,590,000 $289,750 $9,477 6.45%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 38 $11,450,000 $301,316 $9,913 6.58%
RALEIGH-CARY, NC (FHA|USDA|VA) 33 $11,215,000 $339,848 $10,032 6.06%
Hilo, HI (FHA|USDA|VA) 15 $10,735,000 $715,667 $19,009 6.74%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 30 $10,390,000 $346,333 $10,342 6.55%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 16 $9,760,000 $610,000 $13,137 5.39%
FRESNO, CA (FHA|USDA|VA) 23 $9,615,000 $418,043 $12,713 6.53%
RICHMOND, VA (FHA|USDA|VA) 34 $9,570,000 $281,471 $8,841 6.63%
Sevierville, TN (FHA|USDA|VA) 12 $9,300,000 $775,000 $24,956 6.34%
Heber, UT (FHA|USDA|VA) 9 $9,055,000 $1,006,111 $17,358 5.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 39 $9,045,000 $231,923 $7,587 6.74%
BAKERSFIELD, CA (FHA|USDA|VA) 32 $9,030,000 $282,188 $11,108 6.45%
RENO, NV (FHA|USDA|VA) 16 $8,940,000 $558,750 $14,623 6.10%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 9 $8,935,000 $992,778 $26,568 6.90%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 12 $8,600,000 $716,667 $19,061 5.94%
SAVANNAH, GA (FHA|USDA|VA) 20 $8,580,000 $429,000 $11,205 6.46%
TUCSON, AZ (FHA|USDA|VA) 17 $7,885,000 $463,824 $11,250 5.91%
PANAMA CITY, FL (FHA|USDA|VA) 22 $7,680,000 $349,091 $11,828 6.80%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 37 $7,655,000 $206,892 $8,742 6.60%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 27 $7,585,000 $280,926 $11,888 7.18%
MODESTO, CA (FHA|USDA|VA) 16 $7,500,000 $468,750 $13,722 6.62%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 25 $7,215,000 $288,600 $9,511 6.45%
STOCKTON, CA (FHA|USDA|VA) 16 $7,000,000 $437,500 $12,477 5.39%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $6,905,000 $767,222 $20,402 5.83%
VALLEJO, CA (FHA|USDA|VA) 13 $6,885,000 $529,615 $10,845 5.44%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 19 $6,865,000 $361,316 $13,904 6.82%
COLUMBUS, OH (FHA|USDA|VA) 27 $6,485,000 $240,185 $9,924 6.05%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 16 $6,480,000 $405,000 $7,140 6.99%
OKLAHOMA CITY, OK (FHA|USDA|VA) 20 $6,370,000 $318,500 $10,722 6.14%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $6,055,000 $672,778 $15,051 6.03%
SALISBURY, MD-DE (FHA|USDA|VA) 15 $6,055,000 $403,667 $8,994 6.54%
BEND, OR (FHA|USDA|VA) 8 $5,990,000 $748,750 $22,455 7.39%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 25 $5,925,000 $237,000 $7,999 6.64%
SALINAS, CA (FHA|USDA|VA) 10 $5,900,000 $590,000 $12,076 5.27%
SANTA FE, NM (FHA|USDA|VA) 12 $5,900,000 $491,667 $15,319 6.15%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 24 $5,750,000 $239,583 $6,252 6.09%
COLORADO SPRINGS, CO (FHA|USDA|VA) 15 $5,735,000 $382,333 $9,673 6.42%
ALBUQUERQUE, NM (FHA|USDA|VA) 16 $5,520,000 $345,000 $11,295 6.44%
KNOXVILLE, TN (FHA|USDA|VA) 15 $5,505,000 $367,000 $9,808 6.29%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 5 $5,365,000 $1,073,000 $15,367 5.45%
CORPUS CHRISTI, TX (FHA|USDA|VA) 9 $5,335,000 $592,778 $15,939 5.54%
OCALA, FL (FHA|USDA|VA) 19 $5,065,000 $266,579 $10,297 6.76%
FLAGSTAFF, AZ (FHA|USDA|VA) 6 $4,870,000 $811,667 $14,555 6.33%
GAINESVILLE, GA (FHA|USDA|VA) 7 $4,805,000 $686,429 $26,027 7.04%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $4,800,000 $300,000 $9,256 6.86%
BOULDER, CO (FHA|USDA|VA) 6 $4,720,000 $786,667 $27,727 7.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 9 $4,635,000 $515,000 $15,941 5.65%
VISALIA, CA (FHA|USDA|VA) 13 $4,335,000 $333,462 $12,068 6.78%
WILMINGTON, NC (FHA|USDA|VA) 13 $4,325,000 $332,692 $5,560 7.59%
ASHEVILLE, NC (FHA|USDA|VA) 13 $4,135,000 $318,077 $9,202 6.56%
PUNTA GORDA, FL (FHA|USDA|VA) 15 $4,125,000 $275,000 $11,065 6.98%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 8 $4,110,000 $513,750 $11,027 6.52%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 9 $4,035,000 $448,333 $11,301 6.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $3,940,000 $218,889 $8,968 5.61%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $3,785,000 $757,000 $10,333 6.02%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $3,670,000 $367,000 $6,992 6.52%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 13 $3,645,000 $280,385 $11,019 6.59%
Kalispell, MT (FHA|USDA|VA) 5 $3,635,000 $727,000 $13,365 6.32%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $3,380,000 $241,429 $9,009 7.17%
ST. GEORGE, UT (FHA|USDA|VA) 6 $3,340,000 $556,667 $8,400 5.77%
FORT COLLINS, CO (FHA|USDA|VA) 4 $3,330,000 $832,500 $20,743 6.56%
OCEAN CITY, NJ (FHA|USDA|VA) 8 $3,330,000 $416,250 $14,667 6.34%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $3,295,000 $659,000 $16,632 5.67%
EL PASO, TX (FHA|USDA|VA) 11 $3,275,000 $297,727 $9,014 6.27%
BOISE CITY, ID (FHA|USDA|VA) 7 $3,265,000 $466,429 $19,758 6.66%
MIDLAND, TX (FHA|USDA|VA) 9 $3,215,000 $357,222 $12,404 7.25%
HUNTSVILLE, AL (FHA|USDA|VA) 12 $3,030,000 $252,500 $8,190 6.70%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 14 $3,020,000 $215,714 $8,748 5.84%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 10 $2,930,000 $293,000 $10,857 5.36%
GREELEY, CO (FHA|USDA|VA) 5 $2,885,000 $577,000 $9,600 6.25%
ODESSA, TX (FHA|USDA|VA) 10 $2,860,000 $286,000 $8,744 6.57%
EAST STROUDSBURG, PA (FHA|USDA|VA) 12 $2,850,000 $237,500 $11,017 6.99%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 10 $2,840,000 $284,000 $12,936 5.49%
COLUMBIA, SC (FHA|USDA|VA) 12 $2,810,000 $234,167 $8,025 6.82%
PITTSBURGH, PA (FHA|USDA|VA) 10 $2,800,000 $280,000 $10,408 7.59%
MERCED, CA (FHA|USDA|VA) 6 $2,670,000 $445,000 $19,482 5.98%
GAINESVILLE, FL (FHA|USDA|VA) 13 $2,625,000 $201,923 $8,010 6.31%
DOVER, DE (FHA|USDA|VA) 5 $2,505,000 $501,000 $13,669 6.80%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 8 $2,500,000 $312,500 $12,267 5.67%
BATON ROUGE, LA (FHA|USDA|VA) 6 $2,460,000 $410,000 $11,679 6.67%
LOUISVILLE, KY (FHA|USDA|VA) 7 $2,395,000 $342,143 $8,962 6.79%
JACKSON, MS (FHA|USDA|VA) 6 $2,380,000 $396,667 $8,204 7.19%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $2,260,000 $376,667 $9,876 5.71%
MEDFORD, OR (FHA|USDA|VA) 5 $2,225,000 $445,000 $13,472 5.02%
FAYETTEVILLE, NC (FHA|USDA|VA) 12 $2,210,000 $184,167 $7,436 6.62%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $2,150,000 $268,750 $10,316 7.48%
Rockport, TX (FHA|USDA|VA) 4 $2,080,000 $520,000 $15,380 6.91%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 8 $2,000,000 $250,000 $10,967 5.52%
TALLAHASSEE, FL (FHA|USDA|VA) 7 $1,935,000 $276,429 $13,318 6.84%
ROCHESTER, MN (FHA|USDA|VA) 6 $1,930,000 $321,667 $16,444 5.81%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 9 $1,925,000 $213,889 $10,896 5.81%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $1,920,000 $320,000 $9,864 5.81%
CASPER, WY (FHA|USDA|VA) 5 $1,895,000 $379,000 $12,611 7.17%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,880,000 $470,000 $17,582 6.66%
Brainerd, MN (FHA|USDA|VA) 2 $1,880,000 $940,000 $13,419 6.56%
Sonora, CA (FHA|USDA|VA) 3 $1,875,000 $625,000 $13,115 6.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 9 $1,835,000 $203,889 $8,920 6.60%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 10 $1,820,000 $182,000 $9,968 6.65%
NAPA, CA (FHA|USDA|VA) 2 $1,820,000 $910,000 $24,281 7.44%
TULSA, OK (FHA|USDA|VA) 6 $1,700,000 $283,333 $12,198 5.35%
SALEM, OR (FHA|USDA|VA) 4 $1,640,000 $410,000 $9,302 5.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 6 $1,640,000 $273,333 $7,871 5.35%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $1,640,000 $820,000 $23,761 6.50%
Oak Harbor, WA (FHA|USDA|VA) 3 $1,625,000 $541,667 $5,321 4.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,620,000 $270,000 $11,395 7.65%
TYLER, TX (FHA|USDA|VA) 4 $1,620,000 $405,000 $13,128 5.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 7 $1,615,000 $230,714 $8,327 6.79%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $1,595,000 $177,222 $6,652 5.21%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $1,530,000 $382,500 $12,026 6.81%
Spearfish, SD (FHA|USDA|VA) 2 $1,520,000 $760,000 $16,208 4.62%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 5 $1,515,000 $303,000 $6,045 6.93%
Granbury, TX (FHA|USDA|VA) 4 $1,500,000 $375,000 $8,450 7.16%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 7 $1,475,000 $210,714 $8,580 6.12%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,470,000 $367,500 $8,936 6.06%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,460,000 $243,333 $7,581 5.60%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,455,000 $485,000 $7,149 5.54%
WICHITA, KS (FHA|USDA|VA) 9 $1,455,000 $161,667 $4,864 4.79%
Kapaa, HI (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $9,395 6.13%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $1,440,000 $360,000 $6,218 6.53%
LANCASTER, PA (FHA|USDA|VA) 8 $1,410,000 $176,250 $11,952 6.20%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,410,000 $235,000 $8,723 6.19%
Athens, TX (FHA|USDA|VA) 4 $1,400,000 $350,000 $11,839 7.06%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $1,390,000 $695,000 $18,204 5.94%
AKRON, OH (FHA|USDA|VA) 6 $1,360,000 $226,667 $9,334 6.73%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,295,000 $431,667 $12,499 6.42%
REDDING, CA (FHA|USDA|VA) 3 $1,275,000 $425,000 $8,297 7.96%
Ukiah, CA (FHA|USDA|VA) 2 $1,270,000 $635,000 $23,488 7.50%
STAUNTON, VA (FHA|USDA|VA) 3 $1,265,000 $421,667 $13,388 7.29%
LAREDO, TX (FHA|USDA|VA) 4 $1,260,000 $315,000 $11,631 6.22%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,255,000 $418,333 $13,578 6.67%
Outside of Metro Areas 1 $1,255,000 $1,255,000 $0 7.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $1,210,000 $302,500 $8,697 7.56%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $1,195,000 $398,333 $15,206 6.04%
WENATCHEE, WA (FHA|USDA|VA) 2 $1,190,000 $595,000 $12,202 5.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 9 $1,155,000 $128,333 $7,832 7.11%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,140,000 $285,000 $10,552 6.63%
THE VILLAGES, FL (FHA|USDA|VA) 3 $1,135,000 $378,333 $18,863 6.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $1,125,000 $375,000 $11,335 6.92%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $1,120,000 $280,000 $12,140 5.84%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,090,000 $272,500 $8,364 6.81%
MONTGOMERY, AL (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,875 6.02%
Owatonna, MN (FHA|USDA|VA) 7 $1,085,000 $155,000 $8,342 6.71%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,080,000 $270,000 $9,501 6.53%
Easton, MD (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $6,671 5.63%
MOBILE, AL (FHA|USDA|VA) 3 $1,045,000 $348,333 $11,105 7.38%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,040,000 $260,000 $8,063 7.12%
YUBA CITY, CA (FHA|USDA|VA) 3 $1,025,000 $341,667 $13,746 7.17%
BRUNSWICK, GA (FHA|USDA|VA) 3 $975,000 $325,000 $11,577 6.58%
CHICO, CA (FHA|USDA|VA) 3 $975,000 $325,000 $12,169 5.17%
LAFAYETTE, LA (FHA|USDA|VA) 7 $975,000 $139,286 $7,828 5.02%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 5 $965,000 $193,000 $8,542 6.50%
Crescent City, CA (FHA|USDA|VA) 1 $935,000 $935,000 $21,315 7.25%
Marion, NC (FHA|USDA|VA) 1 $935,000 $935,000 $10,926 9.38%
YUMA, AZ (FHA|USDA|VA) 2 $890,000 $445,000 $11,823 6.87%
ROANOKE, VA (FHA|USDA|VA) 3 $845,000 $281,667 $6,329 6.54%
Oxford, MS (FHA|USDA|VA) 2 $840,000 $420,000 $6,701 5.75%
Andrews, TX (FHA|USDA|VA) 2 $830,000 $415,000 $17,931 9.06%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $825,000 $825,000 $0 7.75%
Alexandria, MN (FHA|USDA|VA) 1 $825,000 $825,000 $17,593 8.88%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $820,000 $410,000 $6,658 8.75%
Fernley, NV (FHA|USDA|VA) 2 $820,000 $410,000 $9,305 7.06%
BELLINGHAM, WA (FHA|USDA|VA) 3 $815,000 $271,667 $8,442 3.67%
GREENVILLE, NC (FHA|USDA|VA) 3 $815,000 $271,667 $8,412 7.25%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $810,000 $202,500 $9,543 5.66%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $770,000 $385,000 $11,278 5.06%
Lebanon, NH-VT (FHA|USDA|VA) 2 $770,000 $385,000 $9,577 6.62%
ABILENE, TX (FHA|USDA|VA) 2 $760,000 $380,000 $8,923 5.50%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $760,000 $380,000 $8,278 6.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $750,000 $375,000 $13,968 5.88%
GRANTS PASS, OR (FHA|USDA|VA) 2 $740,000 $370,000 $16,041 5.69%
DECATUR, AL (FHA|USDA|VA) 3 $715,000 $238,333 $13,521 5.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $700,000 $350,000 $20,086 7.81%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $695,000 $139,000 $8,606 7.35%
SPARTANBURG, SC (FHA|USDA|VA) 3 $695,000 $231,667 $10,896 6.71%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $680,000 $170,000 $6,505 6.75%
READING, PA (FHA|USDA|VA) 3 $675,000 $225,000 $10,286 5.92%
Cullowhee, NC (FHA|USDA|VA) 2 $670,000 $335,000 $7,406 7.31%
Moses Lake, WA (FHA|USDA|VA) 2 $670,000 $335,000 $0 4.81%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $655,000 $218,333 $10,910 6.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $650,000 $325,000 $8,286 5.56%
Jefferson, GA (FHA|USDA|VA) 2 $640,000 $320,000 $9,287 5.81%
HATTIESBURG, MS (FHA|USDA|VA) 3 $635,000 $211,667 $6,110 6.12%
Georgetown, SC (FHA|USDA|VA) 3 $625,000 $208,333 $8,094 5.46%
Greeneville, TN (FHA|USDA|VA) 1 $625,000 $625,000 $17,737 6.50%
Lake City, FL (FHA|USDA|VA) 2 $620,000 $310,000 $8,944 7.44%
YAKIMA, WA (FHA|USDA|VA) 1 $615,000 $615,000 $16,834 6.25%
Martinsville, VA (FHA|USDA|VA) 1 $605,000 $605,000 $0 7.50%
Brownwood, TX (FHA|USDA|VA) 1 $605,000 $605,000 $15,605 7.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $600,000 $300,000 $5,178 5.13%
Clearlake, CA (FHA|USDA|VA) 2 $600,000 $300,000 $11,065 4.75%
Dayton, TN (FHA|USDA|VA) 1 $595,000 $595,000 $0 6.63%
Laconia, NH (FHA|USDA|VA) 2 $590,000 $295,000 $10,669 6.00%
FLINT, MI (FHA|USDA|VA) 3 $575,000 $191,667 $7,402 6.17%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $570,000 $142,500 $5,403 7.34%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $555,000 $185,000 $3,441 8.92%
Kerrville, TX (FHA|USDA|VA) 1 $555,000 $555,000 $13,198 5.88%
GOLDSBORO, NC (FHA|USDA|VA) 3 $545,000 $181,667 $6,427 5.83%
Adrian, MI (FHA|USDA|VA) 1 $545,000 $545,000 $9,066 5.75%
Portales, NM (FHA|USDA|VA) 5 $535,000 $107,000 $4,981 4.68%
APPLETON, WI (FHA|USDA|VA) 2 $530,000 $265,000 $10,567 5.50%
HAMMOND, LA (FHA|USDA|VA) 4 $520,000 $130,000 $0 7.56%
AMARILLO, TX (FHA|USDA|VA) 1 $515,000 $515,000 $15,754 8.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $505,000 $505,000 $10,429 4.00%
Torrington, CT (FHA|USDA|VA) 2 $500,000 $250,000 $7,934 7.25%
Ada, OK (FHA|USDA|VA) 1 $495,000 $495,000 $8,800 9.38%
RAPID CITY, SD (FHA|USDA|VA) 1 $495,000 $495,000 $9,542 4.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $485,000 $485,000 $15,559 7.63%
Laramie, WY (FHA|USDA|VA) 1 $475,000 $475,000 $9,181 7.63%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $470,000 $235,000 $10,210 6.38%
Forest City, NC (FHA|USDA|VA) 2 $470,000 $235,000 $8,894 4.38%
JACKSON, MI (FHA|USDA|VA) 1 $465,000 $465,000 $8,543 6.63%
Milledgeville, GA (FHA|USDA|VA) 1 $465,000 $465,000 $6,809 6.00%
WALLA WALLA, WA (FHA|USDA|VA) 1 $465,000 $465,000 $15,821 6.00%
Payson, AZ (FHA|USDA|VA) 3 $455,000 $151,667 $8,211 5.12%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $445,000 $148,333 $4,204 5.88%
Shelby, NC (FHA|USDA|VA) 1 $445,000 $445,000 $13,551 7.88%
Aberdeen, WA (FHA|USDA|VA) 2 $430,000 $215,000 $4,548 7.69%
Port Angeles, WA (FHA|USDA|VA) 1 $425,000 $425,000 $11,150 4.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $425,000 $141,667 $7,180 7.54%
Enterprise, AL (FHA|USDA|VA) 2 $400,000 $200,000 $0 5.81%
Pecos, TX (FHA|USDA|VA) 1 $395,000 $395,000 $0 10.75%
Sanford, NC (FHA|USDA|VA) 1 $395,000 $395,000 $9,276 11.38%
Brookhaven, MS (FHA|USDA|VA) 1 $395,000 $395,000 $4,686 7.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $380,000 $190,000 $0 6.88%
LAWTON, OK (FHA|USDA|VA) 2 $370,000 $185,000 $0 4.63%
Astoria, OR (FHA|USDA|VA) 1 $365,000 $365,000 $0 5.50%
MADISON, WI (FHA|USDA|VA) 1 $365,000 $365,000 $13,086 8.13%
ROCKFORD, IL (FHA|USDA|VA) 1 $365,000 $365,000 $12,548 7.38%
CORVALLIS, OR (FHA|USDA|VA) 1 $365,000 $365,000 $9,575 4.63%
DULUTH, MN-WI (FHA|USDA|VA) 1 $355,000 $355,000 $18,310 7.63%
Alexander City, AL (FHA|USDA|VA) 1 $355,000 $355,000 $14,818 8.88%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $350,000 $175,000 $8,108 7.06%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $345,000 $345,000 $4,656 9.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $335,000 $335,000 $9,253 6.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $335,000 $335,000 $7,752 9.50%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $330,000 $165,000 $7,391 6.94%
Summerville, GA (FHA|USDA|VA) 1 $325,000 $325,000 $10,219 5.38%
Newport, OR (FHA|USDA|VA) 1 $315,000 $315,000 $6,410 7.00%
Boone, NC (FHA|USDA|VA) 1 $315,000 $315,000 $8,616 9.63%
Palatka, FL (FHA|USDA|VA) 2 $310,000 $155,000 $10,859 6.06%
Breckenridge, CO (FHA|USDA|VA) 1 $305,000 $305,000 $8,937 6.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $305,000 $305,000 $17,495 4.50%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.50%
Durant, OK (FHA|USDA|VA) 1 $305,000 $305,000 $9,464 4.13%
CARSON CITY, NV (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.50%
MADERA, CA (FHA|USDA|VA) 2 $300,000 $150,000 $7,106 4.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $295,000 $295,000 $13,333 5.88%
Ruidoso, NM (FHA|USDA|VA) 1 $285,000 $285,000 $10,194 6.00%
Morehead City, NC (FHA|USDA|VA) 1 $285,000 $285,000 $7,305 4.25%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $285,000 $285,000 $4,358 10.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.75%
Whitewater, WI (FHA|USDA|VA) 1 $275,000 $275,000 $3,730 7.75%
HARRISONBURG, VA (FHA|USDA|VA) 1 $275,000 $275,000 $11,889 6.88%
PUEBLO, CO (FHA|USDA|VA) 1 $275,000 $275,000 $0 9.00%
Richmond-Berea, KY (FHA|USDA|VA) 1 $275,000 $275,000 $10,913 8.38%
Statesboro, GA (FHA|USDA|VA) 1 $265,000 $265,000 $7,335 5.63%
Alamogordo, NM (FHA|USDA|VA) 1 $265,000 $265,000 $11,990 4.88%
Vernal, UT (FHA|USDA|VA) 1 $265,000 $265,000 $10,281 5.00%
Clewiston, FL (FHA|USDA|VA) 1 $265,000 $265,000 $10,440 6.38%
Cambridge, MD (FHA|USDA|VA) 1 $265,000 $265,000 $7,338 5.75%
LAS CRUCES, NM (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.25%
Morgan City, LA (FHA|USDA|VA) 1 $255,000 $255,000 $9,777 4.50%
Menomonie, WI (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.00%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,072 6.50%
Fort Morgan, CO (FHA|USDA|VA) 1 $245,000 $245,000 $7,084 4.00%
Okeechobee, FL (FHA|USDA|VA) 1 $245,000 $245,000 $5,784 6.38%
Pahrump, NV (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.38%
Helena, MT (FHA|USDA|VA) 1 $245,000 $245,000 $6,365 4.38%
ROME, GA (FHA|USDA|VA) 2 $240,000 $120,000 $4,747 6.00%
Mineral Wells, TX (FHA|USDA|VA) 1 $235,000 $235,000 $9,625 7.13%
Bedford, IN (FHA|USDA|VA) 1 $235,000 $235,000 $10,247 5.00%
Lufkin, TX (FHA|USDA|VA) 1 $235,000 $235,000 $12,105 8.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $235,000 $235,000 $6,793 4.88%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $230,000 $115,000 $5,412 6.19%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $4,975 9.25%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $215,000 $215,000 $8,675 7.88%
POCATELLO, ID (FHA|USDA|VA) 1 $215,000 $215,000 $0 8.13%
Fallon, NV (FHA|USDA|VA) 1 $215,000 $215,000 $8,226 6.38%
Washington, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 9.88%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $210,000 $105,000 $0 6.38%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $205,000 $205,000 $7,247 7.13%
Concord, NH (FHA|USDA|VA) 1 $205,000 $205,000 $4,888 7.75%
WACO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,814 7.38%
Stephenville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,685 6.88%
Cañon City, CO (FHA|USDA|VA) 1 $195,000 $195,000 $7,378 8.50%
Elk City, OK (FHA|USDA|VA) 1 $195,000 $195,000 $10,484 6.63%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $195,000 $195,000 $9,206 7.75%
Orangeburg, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $190,000 $95,000 $4,023 4.56%
Danville, VA (FHA|USDA|VA) 1 $185,000 $185,000 $6,125 8.63%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $185,000 $185,000 $7,012 8.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $180,000 $90,000 $5,366 5.69%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $180,000 $90,000 $6,508 6.88%
Martin, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,808 3.13%
Hillsdale, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,524 9.25%
Scottsboro, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,618 3.88%
Salem, OH (FHA|USDA|VA) 1 $165,000 $165,000 $10,039 7.25%
Othello, WA (FHA|USDA|VA) 1 $165,000 $165,000 $9,751 7.25%
Brenham, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,978 5.13%
Mountain Home, ID (FHA|USDA|VA) 1 $155,000 $155,000 $8,048 5.88%
Traverse City, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.38%
LYNCHBURG, VA (FHA|USDA|VA) 1 $155,000 $155,000 $6,904 8.88%
MUSKEGON, MI (FHA|USDA|VA) 1 $155,000 $155,000 $7,172 4.25%
Chillicothe, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,184 4.63%
Snyder, TX (FHA|USDA|VA) 1 $155,000 $155,000 $9,965 7.75%
EL CENTRO, CA (FHA|USDA|VA) 1 $155,000 $155,000 $6,990 4.25%
NILES, MI (FHA|USDA|VA) 1 $145,000 $145,000 $0 9.13%
Arcadia, FL (FHA|USDA|VA) 1 $135,000 $135,000 $8,411 5.25%
Corsicana, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,970 7.38%
NEW BERN, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,236 5.00%
BANGOR, ME (FHA|USDA|VA) 1 $125,000 $125,000 $5,698 3.88%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.13%
DOTHAN, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,968 6.88%
FLORENCE, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.88%
Albert Lea, MN (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
SUMTER, SC (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.38%
HINESVILLE, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.75%
TOLEDO, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $6,440 7.50%
Elko, NV (FHA|USDA|VA) 1 $105,000 $105,000 $5,457 7.00%
JACKSON, TN (FHA|USDA|VA) 1 $105,000 $105,000 $6,738 5.88%
LEBANON, PA (FHA|USDA|VA) 1 $105,000 $105,000 $7,858 7.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.88%
ALBANY, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Salina, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
Wabash, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,056 3.50%
Roswell, NM (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.75%
Austin, MN (FHA|USDA|VA) 1 $85,000 $85,000 $7,377 7.00%
Sterling, CO (FHA|USDA|VA) 1 $85,000 $85,000 $4,836 3.88%
TOPEKA, KS (FHA|USDA|VA) 1 $75,000 $75,000 $1,036 3.13%
PEORIA, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,344 5.75%
Big Rapids, MI (FHA|USDA|VA) 1 $65,000 $65,000 $1,393 3.38%
Woodward, OK (FHA|USDA|VA) 1 $65,000 $65,000 $3,373 5.00%
Angel Oak Mortgage Solutions's top markets include Miami, Los Angeles, Riverside, Tampa, and Atlanta among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,239 $3,385,585,000 $467,687 $13,582 6.24%

    For 2022, Angel Oak Mortgage Solutions's most frequently originated type of loan was Conventional, with 7,239 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,493 $2,195,665,000 $488,686 $14,135 6.46%
    Cash Out Refi 2,278 $955,890,000 $419,618 $12,540 6.07%
    Refi 465 $233,355,000 $501,839 $13,059 4.99%
    Home Improvement 3 $675,000 $225,000 $5,727 8.21%

    For 2022, Angel Oak Mortgage Solutions's most frequently cited loan purpose was Home Purchase, with 4,493 originations. The 2nd most popular reason was Cash Out Refi, with 2,278 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,753 $3,047,305,000 $451,252 $13,314 6.23%
    30+ year 466 $335,230,000 $719,378 $18,108 6.52%
    15 Year 15 $2,425,000 $161,667 $5,216 3.57%
    10 Year 2 $130,000 $65,000 $2,121 2.69%
    Other 2 $380,000 $190,000 $5,029 3.63%
    20 Year 1 $115,000 $115,000 $2,489 3.63%

    For 2022, Angel Oak Mortgage Solutions's most frequently cited loan duration was 30 Year, with 6,753 originations. The 2nd most popular length was 30+ year, with 466 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 4,342 $2,399,680,000 $552,667
    $1k-2k 420 $233,510,000 $555,976
    $4k-5k 403 $97,035,000 $240,782
    $3k-4k 351 $93,295,000 $265,798
    $2k-3k 241 $72,815,000 $302,137
    $<1k 58 $20,620,000 $355,517

    Angel Oak Mortgage Solutions's average total fees were $13,314, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4,342 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,526 $675,300,000 $442,529
    4-5% 1,507 $744,435,000 $493,985
    6-7% 1,453 $709,165,000 $488,070
    7-8% 1,361 $605,465,000 $444,868
    Over 8% 935 $387,765,000 $414,722
    3-4% 435 $251,215,000 $577,506
    2.5-3% 21 $12,195,000 $580,714
    <2.5% 1 $45,000 $45,000

    During 2022, Angel Oak Mortgage Solutions's average interest rate for loans was 6.23%, while their most frequently originated rate bucket for loans was 5-6%, with 1,526 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,570 $749,610,000 $291,677 $10,313 6.35%
    $100k-200k 1,421 $215,405,000 $151,587 $7,397 6.32%
    $400k-600k 1,346 $659,720,000 $490,134 $14,084 6.31%
    $600k-1MM 1,117 $849,655,000 $760,658 $18,164 6.07%
    $1MM+ 633 $898,985,000 $1,420,197 $27,383 5.94%
    $100,000 or less 152 $12,210,000 $80,329 $5,149 5.68%

    2022 saw Angel Oak Mortgage Solutions place emphasis on $200k-400k loans with 2,570 originations, totaling $749,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 2,097 $1,609,135,000 $767,351 $18,104 6.31%
    $150k-250k 1,004 $488,230,000 $486,285 $13,377 6.19%
    $100k-150k 712 $249,000,000 $349,719 $11,133 6.17%
    $75k-100k 353 $94,975,000 $269,051 $9,288 5.96%
    $50k-75k 217 $45,395,000 $209,194 $8,115 5.72%
    $50k or less 56 $9,520,000 $170,000 $6,638 5.19%

    Angel Oak Mortgage Solutions lent most frequently to those with incomes in the $250k+ range, with 2,097 originations. The second most popular income band? $150k-250k, with 1,004 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 888 $526,920,000 $593,378 $15,182 6.14%
    20-30% 813 $446,715,000 $549,465 $14,369 6.00%
    30-36% 670 $366,270,000 $546,672 $14,449 6.28%
    49% 180 $100,470,000 $558,167 $14,847 6.42%
    45% 155 $95,595,000 $616,742 $14,368 6.28%
    40% 154 $91,230,000 $592,403 $15,227 6.21%
    41% 151 $82,375,000 $545,530 $14,419 6.30%
    39% 149 $85,235,000 $572,047 $15,176 6.45%
    43% 144 $80,810,000 $561,181 $13,847 6.14%
    44% 142 $80,020,000 $563,521 $14,604 6.04%
    47% 141 $79,255,000 $562,092 $14,419 6.18%
    42% 138 $72,310,000 $523,986 $13,974 6.18%
    46% 138 $74,680,000 $541,159 $14,994 6.37%
    36% 135 $72,765,000 $539,000 $13,406 6.00%
    37% 134 $77,320,000 $577,015 $14,133 6.26%
    38% 131 $68,395,000 $522,099 $13,092 6.21%
    48% 121 $69,545,000 $574,752 $13,433 6.39%
    50-60% 48 $24,090,000 $501,875 $12,586 6.37%
    >60% 4 $1,650,000 $412,500 $13,625 7.19%

    Angel Oak Mortgage Solutions lent most frequently to those with DTI ratios of <20%, with 888 originations. The next most common DTI ratio? 20-30%, with 813 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,260 $2,026,500,000 $475,704 $13,832 6.23%
    Not provided 1,832 $863,100,000 $471,124 $13,271 6.18%
    Asian 541 $262,145,000 $484,556 $13,741 6.08%
    Black 530 $200,580,000 $378,453 $12,713 6.65%
    American Indian 31 $13,275,000 $428,226 $10,790 6.46%
    Native Hawaiian or Islander 13 $8,445,000 $649,615 $16,619 6.41%
    Asian Indian 14 $4,260,000 $304,286 $9,979 6.72%
    Other Asian 10 $3,590,000 $359,000 $8,751 7.21%
    Filipino 3 $1,535,000 $511,667 $12,279 6.13%
    Other Pacific Islander 2 $1,100,000 $550,000 $18,924 4.63%
    Chinese 2 $640,000 $320,000 $7,799 5.81%
    Vietnamese 1 $415,000 $415,000 $13,748 7.88%

    Approval Rates

    Total approvals of all applications
    82.74%

    Angel Oak Mortgage Solutions has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    59.03%

    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 7,239 $3,385,585,000 $467,687

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,239 $3,385,585,000 $467,687

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 264 $97,520,000 $369,394 $10,815 5.56%
    40-60% 864 $388,910,000 $450,127 $12,683 5.58%
    60-80% 3,889 $1,642,195,000 $422,267 $13,227 6.32%
    80-100% 2,189 $1,250,385,000 $571,213 $14,803 6.46%
    Over 100% 2 $620,000 $310,000 $8,178 5.25%
    Under 20% 31 $5,955,000 $192,097 $7,338 5.38%