Purchase Originations
1,443
Ranked #289 nationally
Median Total Costs
$13,287
+98.9% vs national ($6,680)
↓ $1,222 vs prior year
Median Rate
7.249%
+11.7% vs national (6.490%)
↓ 0.376% vs prior year
Median Origination
$9,082
Median Lender Credits
$1,900
Cost Rank (500+ vol.)
#590
among lenders with 500+ originations
Denial Rate
12.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,443 | 7.249% | $13,287 | $9,082 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 463 | 7.249% | $14,652 | #98 |
| California | 240 | 7.124% | $14,941 | #133 |
| Texas | 145 | 7.374% | $13,422 | #238 |
| Georgia | 63 | 7.374% | $13,367 | #186 |
| North Carolina | 58 | 7.374% | $9,020 | #189 |
| South Carolina | 45 | 7.499% | $11,265 | — |
| Virginia | 41 | 7.374% | $9,742 | — |
| New Jersey | 38 | 7.312% | $11,887 | — |
| Maryland | 37 | 7.374% | $13,016 | — |
| Tennessee | 31 | 7.374% | $10,116 | — |
| Arizona | 25 | 7.124% | $15,605 | — |
| Colorado | 24 | 7.374% | $13,576 | — |
| Pennsylvania | 24 | 7.187% | $13,362 | — |
| Washington | 17 | 7.749% | $16,419 | — |
| Alabama | 16 | 7.624% | $10,810 | — |
| Nevada | 16 | 6.870% | $21,249 | — |
| Illinois | 15 | 7.990% | $11,936 | — |
| Missouri | 15 | 7.874% | $7,378 | — |
| Michigan | 11 | 7.499% | $9,023 | — |
| Ohio | 11 | 7.499% | $9,641 | — |
| Minnesota | 10 | 7.311% | $11,792 | — |
| Connecticut | 9 | 7.374% | $10,295 | — |
| Hawaii | 9 | 7.124% | $19,458 | — |
| Indiana | 9 | 7.624% | $11,382 | — |
| Louisiana | 9 | 7.249% | $7,975 | — |
| Utah | 8 | 7.374% | $11,471 | — |
| Arkansas | 7 | 7.749% | $5,032 | — |
| Oregon | 7 | 7.374% | $12,855 | — |
| Delaware | 6 | 7.057% | $12,352 | — |
| Kansas | 6 | 6.990% | $12,357 | — |
| Oklahoma | 5 | 7.249% | $6,002 | — |
| Iowa | 4 | 7.437% | $5,802 | — |
| Idaho | 3 | 6.874% | $9,762 | — |
| Kentucky | 3 | 7.749% | $6,661 | — |
| Rhode Island | 3 | 7.250% | $6,186 | — |
| New Mexico | 2 | 8.682% | $18,218 | — |
| Wisconsin | 2 | 8.062% | $10,574 | — |
| West Virginia | 2 | 9.120% | $8,984 | — |
| Maine | 1 | 7.625% | $5,420 | — |
| Mississippi | 1 | 7.990% | $17,096 | — |
| Montana | 1 | 10.624% | $8,849 | — |
| Wyoming | 1 | 8.250% | $9,295 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,792 | 7.436% | — | 20 | −$2,495 | |
| 2 | $10,872 | 7.499% | — | 13 | −$2,415 | |
| 3 | $11,168 | 7.499% | — | 12 | −$2,119 | |
| 4 | $12,728 | 7.499% | — | 22 | −$559 | |
| 5 | $13,005 | 6.874% | — | 19 | −$282 | |
| 6 | $13,070 | 7.499% | — | 17 | −$217 | |
| 7 | $13,649 | 7.932% | — | 12 | +$362 | |
| 8 | $13,699 | 6.874% | — | 12 | +$412 | |
| 9 | $14,337 | 7.186% | — | 12 | +$1,050 | |
| 10 | $14,475 | 7.436% | — | 12 | +$1,188 | |
| 11 | $14,888 | 7.186% | — | 28 | +$1,601 | |
| 12 | $15,141 | 7.186% | — | 52 | +$1,854 | |
| 13 | $15,292 | 7.124% | — | 97 | +$2,005 | |
| 14 | $15,374 | 7.499% | — | 95 | +$2,087 | |
| 15 | $15,558 | 6.874% | — | 15 | +$2,271 | |
| 16 | $16,023 | 6.875% | — | 17 | +$2,736 | |
| 17 | $16,743 | 6.870% | — | 18 | +$3,456 | |
| 18 | $18,840 | 7.124% | — | 114 | +$5,553 | |
| 19 | $21,249 | 6.870% | — | 14 | +$7,962 | |
| 20 | $22,188 | 6.990% | — | 15 | +$8,901 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Angel Oak Mortgage Solutions LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $13,287 | $7,127 | +$6,160 (+86.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.