Angel Oak Mortgage Solutions
We analyzed every closed loan from Angel Oak Mortgage Solutions — 1.7k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 42 mkts
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 117 basis points above market average
- Higher than average fees ($4,732)
Explore another lender or local market
Report Card
Angel Oak Mortgage Solutions performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+117.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 43 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,290 | 75.9% | +1.198%Above | $5,122Fees | ||||
Jumbo Loans | 410 | 24.1% | +1.084%Above | $3,254Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,290
Mix75.9%
Spread
+1.198%Above
Fees
$5,122Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume410
Mix24.1%
Spread
+1.084%Above
Fees
$3,254Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,267 | 74.5% | +1.203%Above | $4,891Fees | ||||
Refinance | 433 | 25.5% | +1.083%Above | $4,232Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,267
Mix74.5%
Spread
+1.203%Above
Fees
$4,891Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume433
Mix25.5%
Spread
+1.083%Above
Fees
$4,232Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,700
Applications
2,501
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+1.174%
vs. market APOR
Avg Net Fees
$4,732
Origination − Credits
Pullthrough Rate
68.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$631,671
Avg Borrower Income
$493,217
Avg Property Value
$885,941
Geographic Coverage
Geographic Performance
Metro Areas
42
markets with activity
States Served
45
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
45Northeast5
CTMENHNJPA
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 111Mix 6.53% of portfolio
68/100
Strong
Volume 98Mix 5.76% of portfolio
67/100
Strong
Volume 76Mix 4.47% of portfolio
67/100
Strong
Volume 72Mix 4.24% of portfolio
60/100
Strong
Volume 40Mix 2.35% of portfolio
58/100
Sound
Volume 49Mix 2.88% of portfolio
57/100
Sound
Volume 22Mix 1.29% of portfolio
56/100
Sound
Volume 53Mix 3.12% of portfolio
56/100
Sound
Volume 58Mix 3.41% of portfolio
56/100
Sound
Volume 28Mix 1.65% of portfolio
54/100
SoundShowing 10 of 42 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 600Mix 35.29% of portfolio
75/100
Strong2
CaliforniaState
Volume 235Mix 13.82% of portfolio
64/100
Strong3
TexasState
Volume 168Mix 9.88% of portfolio
61/100
Strong4
GeorgiaState
Volume 92Mix 5.41% of portfolio
59/100
Sound5
South CarolinaState
Volume 65Mix 3.82% of portfolio
59/100
Sound6
VirginiaState
Volume 47Mix 2.76% of portfolio
53/100
Sound7
MarylandState
Volume 37Mix 2.18% of portfolio
51/100
Sound8
North CarolinaState
Volume 49Mix 2.88% of portfolio
51/100
Sound9
ColoradoState
Volume 39Mix 2.29% of portfolio
50/100
Sound10
ArizonaState
Volume 39Mix 2.29% of portfolio
50/100
SoundShowing 10 of 22 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.