Angel Oak Mortgage Solutions is one of the best-known non-QM wholesale lenders in the country, with a deep bench of bank-statement and DSCR programs delivered through mortgage brokers. LendingStreet is a licensed financing firm that places investor deals across a network of 30+ capital sources. Here is how to decide which fits your scenario.
The short answer: Angel Oak is a non-QM lender whose products reach borrowers through brokers. It is a strong, established option when your scenario fits a non-QM box. LendingStreet is not a lender — it places your scenario across 30+ capital sources, including non-QM style programs, and compares what comes back. If your deal fits cleanly, a single lender is simple. If it does not, comparison is the point.
Your deal is straightforward non-QM, you already work with a broker who places with Angel Oak, or you want the simplicity of one lender relationship.
Your scenario has an edge to it — sub-1.0 DSCR, no-ratio, a property type that gets excluded, or a short timeline. Or you want competing terms rather than a single quote.
A note on fairness: Angel Oak is a legitimate, established option and this page does not claim otherwise. Rates, terms and guidelines change frequently and are not compared here — confirm current terms directly with any lender you are considering. LendingStreet’s argument is structural: one application placed across 30+ capital sources produces more options than one credit box.
No. Angel Oak is a lender that funds and delivers its own non-QM programs. LendingStreet is a licensed investment property financing firm (NMLS #1734316) that places deals across a network of 30+ capital sources. The practical difference is that a lender gives one answer from one credit box, while a marketplace can compare several.
No. LendingStreet places business-purpose loans on non-owner-occupied investment property only. Angel Oak’s product set extends into owner-occupied non-QM, which LendingStreet does not offer.
It depends on the deal. If a scenario fits a single lender’s guidelines cleanly, going direct is often fastest. If it does not fit, a marketplace is faster than being declined and starting over somewhere else.
Have a scenario? Tell us the deal and we will price it across our capital sources.
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