Angel Oak Mortgage Solutions vs A&D Mortgage
Both are wholesale non-QM lenders reached through brokers, with a complete self-employed program set. Angel Oak is one of the most recognized names in non-QM; A&D Mortgage has built a reputation for fast turn times and broker support. Compare guidelines and pricing through your broker for your exact scenario.
Shared products: Bank Statement, Self-Employed, Non-QM, Asset Depletion, 1099 Income, P&L Only, No Tax Return, ITIN · Updated March 2026
4.5
Angel Oak Mortgage Solutions
Wins 2 categories
4.0
A&D Mortgage
Wins 0 categories
Full Comparison
| Feature | Angel Oak Mortgage Solutions | A&D Mortgage |
|---|---|---|
| Interest Rates | 7%–9.75%Better | 7.25%–9.99% |
| Max LTV | 90% | 90% |
| Min Credit Score | 620 | 620 |
| Loan Range | $100K–$4M | $100K–$5M |
| Origination Fee | Set by your broker | Set by your broker |
| Speed to Close | 25–40 days | 25–45 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | No | No |
| Interest-Only | Available | Available |
| Prepayment Penalty | None (owner-occupied) | None (owner-occupied) |
| Foreign National | Yes | Yes |
| Coverage | Nationwide | Nationwide |
| Property Types | primary-residence, second-home, investment | primary-residence, second-home, investment |
| Loan Products | 8 products | 8 products |
| Founded | 2011 | 2005 |
| Editor Rating | 4.5 / 5.0Better | 4.0 / 5.0 |
Pros & Cons
Angel Oak Mortgage Solutions
Pros
- +Among the largest, most established non-QM lenders
- +Broadest self-employed menu in the market
- +Offers ITIN and foreign-national programs
- +Loans up to roughly $4M
Cons
- –Wholesale-only — you must apply through a mortgage broker, not directly
- –No direct consumer pricing or application
- –Costs depend on the broker you choose
A&D Mortgage
Pros
- +Very broad non-QM menu including bank statement, P&L, 1099, asset
- +ITIN and foreign-national programs available
- +Jumbo non-QM up to roughly $5M
- +Large broker network and active securitizer
Cons
- –Wholesale/correspondent only — apply through a broker, not directly
- –No direct consumer application or pricing
- –Experience varies by the broker you choose
Angel Oak Mortgage Solutions
4.5 editor rating · 25–40 days closing
Frequently Asked Questions
Is Angel Oak Mortgage Solutions or A&D Mortgage better for self-employed borrowers?
Both are wholesale non-QM lenders reached through brokers, with a complete self-employed program set. Angel Oak is one of the most recognized names in non-QM; A&D Mortgage has built a reputation for fast turn times and broker support. Compare guidelines and pricing through your broker for your exact scenario.
What loan types do Angel Oak Mortgage Solutions and A&D Mortgage both offer?
Both lenders offer Bank Statement, Self-Employed, Non-QM, Asset Depletion, 1099 Income, P&L Only, No Tax Return, ITIN. Both offer 8 products.
Which has lower rates, Angel Oak Mortgage Solutions or A&D Mortgage?
Angel Oak Mortgage Solutions advertises rates starting at 7% while A&D Mortgage starts at 7.25%. Angel Oak Mortgage Solutions has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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