AOMR Profile
Angel Oak Mortgage, Inc., a prominent player in the U.S. real estate finance sector, specializes in the acquisition and investment in first lien non-qualified mortgage (non-QM) loans and a diverse array of other mortgage-related assets. By targeting non-QM loans, the company serves a segment of the market that includes borrowers who may not meet the stringent criteria of traditional mortgage lending, thus addressing a significant demand for alternative lending solutions. Angel Oak Mortgage, Inc.'s strategic focus on this niche allows it to leverage its expertise in credit risk assessment and portfolio management to optimize returns for its investors.
The company qualifies as a real estate investment trust (REIT) for federal income tax purposes, a status that mandates it to distribute at least 90% of its taxable income to shareholders in the form of dividends. This structure not only provides tax efficiency by eliminating federal corporate income taxes but also ensures a steady income stream for its investors. Angel Oak Mortgage, Inc. leverages its REIT status to attract a broad base of income-focused investors looking for stable and attractive yields in a low-interest-rate environment.
Founded in 2018 and headquartered in Atlanta, Georgia, Angel Oak Mortgage, Inc. operates with a mission to provide innovative mortgage solutions and to capitalize on opportunities within the evolving U.S. housing finance market. The company’s management team boasts extensive experience in mortgage origination, securitization, and asset management, positioning it to navigate the complexities of the non-QM loan sector effectively. Angel Oak Mortgage, Inc. also benefits from its affiliation with Angel Oak Companies, a group known for its deep-rooted presence and expertise in the mortgage and financial services industry.
In addition to non-QM loans, Angel Oak Mortgage, Inc. diversifies its portfolio through investments in other mortgage-related assets such as mortgage servicing rights (MSRs) and residential mortgage-backed securities (RMBS). This diversification strategy is designed to enhance yield and manage risk effectively across varying market conditions. By maintaining a robust and diversified portfolio, the company aims to deliver consistent performance and value to its shareholders while contributing to the broader stability and accessibility of the U.S. mortgage market.
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