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ANGEL OAK MORTGAGE SOLUTIONS LLC
Independent Mortgage Company|WILMINGTON, DE|National
Loans Originated
1,700
Applications
2,501
Volume
$1 billion
Sources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+1.174%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,732
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.0%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
ANGEL OAK MORTGAGE SOLUTIONS LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 43 metro areas · 45 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$631,671
Average Borrower Income
$493,217
Average Property Value
$885,941
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 1,290 | 75.9% | +1.198% | $5,122 |
Jumbo Loans | Sound | Exceptional | Mediocre | Strong | 410 | 24.1% | +1.084% | $3,254 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Acceptable | 1,267 | 74.5% | +1.203% | $4,891 |
Refinance | Acceptable | Strong | Mediocre | Sound | 433 | 25.5% | +1.083% | $4,232 |
Geographic Coverage
Metro Areas
42
States Served
45
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Miami, FLMSA
Volume: 111Mix: 6.53%
Place Specialization
Strong
2
Fort Lauderdale, FLMSA
Volume: 98Mix: 5.76%
Place Specialization
Strong
3
West Palm Beach, FLMSA
Volume: 76Mix: 4.47%
Place Specialization
Strong
4
Los Angeles, CAMSA
Volume: 72Mix: 4.24%
Place Specialization
Strong
5
Cape Coral, FLMSA
Volume: 40Mix: 2.35%
Place Specialization
Sound
6
Orlando, FLMSA
Volume: 49Mix: 2.88%
Place Specialization
Sound
7
Naples, FLMSA
Volume: 22Mix: 1.29%
Place Specialization
Sound
8
Atlanta, GAMSA
Volume: 53Mix: 3.12%
Place Specialization
Sound
9
Houston, TXMSA
Volume: 58Mix: 3.41%
Place Specialization
Sound
10
St. Petersburg, FLMSA
Volume: 28Mix: 1.65%
Place Specialization
Sound
Showing 10 of 42 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 600Mix: 35.29%
Place Specialization
Strong
2
CAState
Volume: 235Mix: 13.82%
Place Specialization
Strong
3
TXState
Volume: 168Mix: 9.88%
Place Specialization
Strong
4
GAState
Volume: 92Mix: 5.41%
Place Specialization
Sound
5
SCState
Volume: 65Mix: 3.82%
Place Specialization
Sound
6
VAState
Volume: 47Mix: 2.76%
Place Specialization
Sound
7
MDState
Volume: 37Mix: 2.18%
Place Specialization
Sound
8
NCState
Volume: 49Mix: 2.88%
Place Specialization
Sound
9
COState
Volume: 39Mix: 2.29%
Place Specialization
Sound
10
AZState
Volume: 39Mix: 2.29%
Place Specialization
Sound
Showing 10 of 22 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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