Angel Oak Mortgage Solutions vs Griffin Funding
Both offer DSCR + bank statement programs. Angel Oak is larger and works primarily through brokers; Griffin is more direct-to-consumer with a lower credit floor (620 vs 660).
Shared products: DSCR, Bank Statement · Updated March 2026
4.1
Angel Oak Mortgage Solutions
Wins 1 categories
4.0
Griffin Funding
Wins 1 categories
Full Comparison
| Feature | Angel Oak Mortgage Solutions | Griffin Funding |
|---|---|---|
| Interest Rates | 6.5%–9% | 6.5%–9% |
| Max LTV | 80% | 80% |
| Min Credit Score | 660 | 620Better |
| Loan Range | $100K–$3M | $100K–$5M |
| Origination Fee | 0–2 points | 0–2 points |
| Speed to Close | 21–30 days | 21–30 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-year step-down (DSCR) | 3-year step-down (DSCR) |
| Foreign National | Yes | Yes |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse, Multifamily (5+) | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 2 products | 2 products |
| Founded | 2013 | 2014 |
| Editor Rating | 4.1 / 5.0Better | 4.0 / 5.0 |
Pros & Cons
Angel Oak Mortgage Solutions
Pros
- +Strong bank statement loan programs
- +DSCR and investor cash flow products
- +Large, established non-QM lender
- +Foreign national programs
- +Wide broker network — available through many mortgage brokers
Cons
- –Works through brokers (not direct-to-consumer for many products)
- –Slower closings than fintech lenders
- –Higher minimum credit score than some DSCR competitors
Griffin Funding
Pros
- +Low credit minimum (620) for DSCR
- +Bank statement programs for self-employed
- +Foreign national financing available
- +High max loan amount ($5M)
- +Interest-only options
Cons
- –No fix-and-flip or bridge products
- –Closing times on the longer side (21-30 days)
- –Prepayment penalties on DSCR products
Angel Oak Mortgage Solutions
4.1 editor rating · 21–30 days closing
Frequently Asked Questions
Is Angel Oak Mortgage Solutions or Griffin Funding better for real estate investors?
Both offer DSCR + bank statement programs. Angel Oak is larger and works primarily through brokers; Griffin is more direct-to-consumer with a lower credit floor (620 vs 660).
What loan types do Angel Oak Mortgage Solutions and Griffin Funding both offer?
Both lenders offer DSCR, Bank Statement. Both offer 2 products.
Which has lower rates, Angel Oak Mortgage Solutions or Griffin Funding?
Angel Oak Mortgage Solutions advertises rates starting at 6.5% while Griffin Funding starts at 6.5%. Both have the same 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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