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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,290 loans · 1.20% above market
Strong
Top 40% of lenders
4/5
Jumbo
410 loans · 1.08% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,267 loans · 1.20% above market
Strong
Top 40% of lenders
4/5
Refinance
433 loans · 1.08% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 43 markets
Sound
Top 60% of lenders
3/5
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
45Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast5
CTMENHNJPA
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 42 metro areas
Top States by Place Specialization Score
Showing 10 of 22 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.