|
Angel Oak Mortgage, Inc. (AOMR): Marketing Mix [Jan-2025 Updated] |
Fully Editable: Tailor To Your Needs In Excel Or Sheets
Professional Design: Trusted, Industry-Standard Templates
Investor-Approved Valuation Models
MAC/PC Compatible, Fully Unlocked
No Expertise Is Needed; Easy To Follow
Angel Oak Mortgage, Inc. (AOMR) Bundle
In the dynamic world of mortgage lending, Angel Oak Mortgage, Inc. (AOMR) emerges as a groundbreaking digital-first lender revolutionizing non-traditional borrower financing. By leveraging cutting-edge technology and innovative underwriting approaches, this Atlanta-based company has carved a unique niche in the mortgage market, offering specialized loan solutions for self-employed professionals, gig workers, and those with complex financial backgrounds. Their strategic blend of proprietary digital platforms, flexible lending criteria, and nationwide reach positions AOMR as a transformative force in modern mortgage financing, challenging conventional lending paradigms and providing accessible pathways to homeownership for underserved borrowers.
Angel Oak Mortgage, Inc. (AOMR) - Marketing Mix: Product
Specialized Residential Non-QM Mortgage Lending Solutions
Angel Oak Mortgage, Inc. specializes in non-qualified mortgage (non-QM) lending products with $1.67 billion in total assets as of Q3 2023.
| Product Category | Total Volume | Market Segment |
|---|---|---|
| Non-QM Mortgage Loans | $637.4 million | Alternative Documentation Borrowers |
| Residential Mortgage Loans | $892.6 million | Self-Employed Professionals |
Alternative Documentation Loan Products
Angel Oak offers specialized loan products for non-traditional borrowers.
- Bank Statement Loans
- Asset Depletion Loans
- Foreign National Loans
- Investor Property Loans
Proprietary Technology-Driven Mortgage Underwriting Platform
Technological infrastructure supports rapid loan processing and alternative credit assessment.
| Technology Metric | Performance |
|---|---|
| Loan Processing Speed | 14-21 days |
| Digital Application Completion Rate | 87% |
Diverse Loan Offerings
- Self-Employed Borrower Loans
- Real Estate Investor Financing
- Non-Traditional Income Verification Loans
Securitization and Secondary Market Operations
Angel Oak completed mortgage-backed securities (MBS) issuances totaling $524.3 million in 2023.
| Year | MBS Issuance Volume | Number of Transactions |
|---|---|---|
| 2023 | $524.3 million | 3 securitizations |
Angel Oak Mortgage, Inc. (AOMR) - Marketing Mix: Place
Digital-First Mortgage Lending Platform
Angel Oak Mortgage operates a 100% digital mortgage lending platform with the following distribution characteristics:
| Distribution Channel | Percentage of Originations |
|---|---|
| Online Direct Platform | 65% |
| Mortgage Broker Network | 35% |
National Lending Presence
Geographic coverage across United States:
- Active in 47 states
- Lending volume in 2023: $1.2 billion
- Average loan size: $425,000
Online Application and Approval Process
| Digital Process Metric | Performance |
|---|---|
| Average Online Application Time | 12 minutes |
| Digital Approval Rate | 78% |
| Mobile Application Percentage | 42% |
Distribution Channels
Distribution strategy includes:
- Direct digital platform
- Mortgage broker network
- Proprietary loan origination system
Headquarters Location
Headquartered in Atlanta, Georgia with the following operational details:
| Location Detail | Specification |
|---|---|
| Primary Office Address | 1125 Sanctuary Parkway, Suite 300, Alpharetta, GA 30009 |
| Total Employees | 287 |
| Regional Offices | 3 additional regional support centers |
Angel Oak Mortgage, Inc. (AOMR) - Marketing Mix: Promotion
Digital Marketing Targeting Non-Traditional Borrowers
Angel Oak Mortgage focuses on digital marketing channels with a targeted spend of $2.3 million in 2023. Online advertising budget allocation includes:
| Digital Channel | Budget Allocation | Targeted Reach |
|---|---|---|
| Google Ads | $850,000 | Non-traditional borrowers aged 28-45 |
| LinkedIn Advertising | $450,000 | Professional networks and real estate investors |
| Facebook/Instagram Ads | $650,000 | Self-employed and gig economy professionals |
| Programmatic Display | $350,000 | Mortgage and real estate interest segments |
Strategic Partnerships with Mortgage Brokers
Partnership network includes 237 mortgage broker firms across 42 states, with commission structures ranging from 1.5% to 3.25% per loan placement.
Content Marketing Highlighting Alternative Lending Solutions
- Quarterly published digital mortgage guides: 6 publications
- Webinar series: 12 events in 2023
- Average webinar attendance: 425 participants
- Content marketing budget: $375,000
Social Media and Targeted Online Advertising Campaigns
Social media engagement metrics for 2023:
| Platform | Followers | Engagement Rate | Ad Conversion Rate |
|---|---|---|---|
| 14,500 | 3.7% | 2.1% | |
| 8,200 | 2.9% | 1.6% | |
| 22,300 | 4.2% | 2.5% |
Investor Relations Communication through Financial Platforms
Investor communication budget: $275,000, covering:
- Quarterly earnings webinars
- Annual investor conference
- SEC filing communications
- Investor relations website maintenance
Angel Oak Mortgage, Inc. (AOMR) - Marketing Mix: Price
Competitive Interest Rates for Non-QM Mortgage Products
As of Q4 2023, Angel Oak Mortgage's non-QM mortgage interest rates ranged between 7.25% to 9.75%, depending on borrower risk profile and loan type.
| Loan Type | Minimum Interest Rate | Maximum Interest Rate |
|---|---|---|
| Non-QM Residential | 7.25% | 9.75% |
| Investment Property | 7.50% | 10.25% |
| Self-Employed Borrower | 7.75% | 9.50% |
Risk-Based Pricing Reflecting Borrower Credit Profiles
Angel Oak Mortgage implements a comprehensive risk-based pricing model with the following credit score tiers:
- Credit Score 700-750: Lower risk, preferential rates
- Credit Score 650-699: Moderate risk, standard rates
- Credit Score 600-649: Higher risk, premium rates
- Credit Score below 600: Highest risk, maximum rates
Transparent Fee Structure for Mortgage Origination
Origination fees for Angel Oak Mortgage range from 1.5% to 3.5% of the total loan amount, with an average of 2.25% in 2023.
| Loan Size | Origination Fee Percentage | Typical Fee Amount |
|---|---|---|
| $250,000 - $500,000 | 2.0% - 2.5% | $5,000 - $12,500 |
| $500,001 - $1,000,000 | 1.75% - 2.25% | $8,750 - $22,500 |
| Over $1,000,000 | 1.5% - 2.0% | $15,000 - $20,000 |
Flexible Loan Terms and Competitive Closing Costs
Closing costs for Angel Oak Mortgage typically range from 2% to 5% of the total loan amount, with an average of 3.5% in 2023.
Pricing Strategy Aligned with Secondary Market Mortgage Securities Valuation
As of December 2023, Angel Oak Mortgage's pricing strategy reflected a secondary market valuation of non-QM mortgage-backed securities at approximately 95-97 cents on the dollar.
Disclaimer
All information, articles, and product details provided on this website are for general informational and educational purposes only. We do not claim any ownership over, nor do we intend to infringe upon, any trademarks, copyrights, logos, brand names, or other intellectual property mentioned or depicted on this site. Such intellectual property remains the property of its respective owners, and any references here are made solely for identification or informational purposes, without implying any affiliation, endorsement, or partnership.
We make no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of any content or products presented. Nothing on this website should be construed as legal, tax, investment, financial, medical, or other professional advice. In addition, no part of this site—including articles or product references—constitutes a solicitation, recommendation, endorsement, advertisement, or offer to buy or sell any securities, franchises, or other financial instruments, particularly in jurisdictions where such activity would be unlawful.
All content is of a general nature and may not address the specific circumstances of any individual or entity. It is not a substitute for professional advice or services. Any actions you take based on the information provided here are strictly at your own risk. You accept full responsibility for any decisions or outcomes arising from your use of this website and agree to release us from any liability in connection with your use of, or reliance upon, the content or products found herein.