Capital Markets & Funding
Coordinating warehouse lines, investor relationships, and secondary-market execution so our lending entities can fund consistently across cycles.
Holding & Operational Support
The operational backbone behind a family of non-QM lenders.
Angel Oak Lending, LLC is the parent holding company and shared-services engine for a group of affiliated mortgage entities — providing the capital, technology, and compliance infrastructure that lets them serve borrowers agency guidelines leave behind.
HeadquartersAtlanta, Georgia
StructureParent holding company
FocusNon-QM lending platform
RoleBack-end operational support
Who we are
A parent company built to support lenders.
Angel Oak Lending, LLC is an affiliate and parent holding company of Angel Oak Home Loans, LLC and Angel Oak Mortgage Solutions, LLC. Rather than originating loans directly, we exist to make the entities that do faster, steadier, and more disciplined.
We provide the back-end operational support these lenders depend on — capital coordination, technology platforms, compliance oversight, and shared services — so their teams can stay focused on borrowers and broker partners.
The result is a lending group recognized as one of the nation's leading non-bank players in the non-QM space, serving creditworthy borrowers who fall outside conventional agency guidelines.
Corporate structure
Lending activities are conducted by our licensed affiliated entities.
What we do
The support that keeps a lending group running.
Four operational disciplines sit at the center of everything our affiliated lenders deliver.
Technology & Platforms
Shared origination systems, pricing engines, and digital tooling that streamline the path from application to close for teams and partners.
Compliance & Risk
Centralized oversight, licensing support, and controls that keep the group aligned with federal and state lending regulation at all times.
Shared Services & Operations
Finance, human resources, and back-office operations delivered once, at scale, so each entity runs lean and focused on lending.
Non-QMAlternative lending platform
The lending platform
Financing for the borrowers agencies overlook.
Our affiliated entities are among the largest non-bank originators of non-QM loans — built for self-employed borrowers, real estate investors, and other creditworthy clients whose finances don't fit a conventional box.
- Bank Statement LoansQualification from deposits, not tax returns — for the self-employed.
- DSCR & Investor Cash FlowQualify investment properties on rental income, not personal DTI.
- Asset QualifierLeverage assets as the basis for qualification when income is complex.
- Jumbo & PortfolioFlexible structures beyond conforming limits for high-value homes.
Our approach
Discipline as the foundation.
Sitting behind the front line lets us hold the whole group to one standard. These are the principles that guide how we support our lenders.
Access with responsibility
We help expand paths to homeownership for underserved borrowers — while underwriting to real, verifiable ability to repay.
Compliance without compromise
Regulatory integrity is centralized and non-negotiable across every affiliated entity and every state we support.
Scale that stays lean
Shared infrastructure means our lenders gain institutional capability without institutional drag.
Built for the long term
We invest in platforms and people that let the group perform through changing rate and credit environments.
2
Affiliated lending entities supported
Non-QM
Specialist alternative-lending focus
Atlanta
Georgia headquarters
1 group
Unified operational platform
Contact
Reach the Angel Oak Lending corporate office.
For corporate, operational, or partnership enquiries, contact our Atlanta headquarters directly. We respond to all correspondence promptly.
Email the office Corporate Office980 Hammond Dr, Ste 200
Atlanta, GA 30328-6162
Telephone+1 (832) 358-6769 Emailinfo@angeloaklendingllc.com Atlanta, GA 30328-6162
