The Mortgage Record
Lender report card · New Jersey

Angel Oak Mortgage Solutions Llc

Atlanta, GA · What the federal mortgage record shows about how Angel Oak Mortgage Solutions Llc treated New Jersey applicants, 2018–2025 — 975 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
70.7%
689 approved
Denial rate
29.3%
286 denied
Decisions
975
2018–2025
Avg. rate spread
+1.80 pp
vs. market benchmark
70.7% approved
29.3% denied

Share of 975 New Jersey applications Angel Oak Mortgage Solutions Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional70.7% of 975 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

46%57%68%79%90%78%50%59%86%75%74%85%89%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Angel Oak Mortgage Solutions Llc’s rates ran +1.58 pp higher than the typical New Jersey lender (average rate spread +1.80 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Angel Oak Mortgage Solutions Llc approves

By income
Under $50k40.2% · 107$50–75k56.4% · 55$75–100k68.4% · 79$100–150k72.9% · 140$150–250k75.2% · 202$250k+80.3% · 300
By debt-to-income
Under 36%81.5% · 38336–43%80.3% · 15743–50%75.1% · 189Over 50%6.5% · 46
By down payment (LTV)
20%+ down68.8% · 66910–20% down72.8% · 169

Why Angel Oak Mortgage Solutions Llc denied applications

Other30% of denialsUnverifiable information22% of denialsCollateral (value/type)20% of denialsDebt-to-income ratio16% of denialsCredit history15% of denialsInsufficient cash to close8% of denials

Where Angel Oak Mortgage Solutions Llc lends in NJ

CountyDecisionsApproval
Bergen County13773.0%
Monmouth County10874.1%
Ocean County8966.3%
Morris County7176.1%
Passaic County6374.6%
Essex County5844.8%
Union County5070.0%
Hudson County4852.1%

Fees & closing costs

Median total loan costs
$11,114
home purchase
As % of loan
3.07%
NJ median 1.93%
Priced originations
462
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Angel Oak Mortgage Solutions Llc’s home-purchase originations — 1.14 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,497. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Angel Oak Mortgage Solutions Llc to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

Open the approval tool →

Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Angel Oak Mortgage Solutions Llc (LEI 549300KSOOZZVXCMA627). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →