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Fitch Assigns Final Ratings to Angel Oak Mortgage Trust 2021-5

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Fitch was provided with Form ABS Due Diligence-15E (Form 15E) as prepared by AMC, Clayton, Infinity and Consolidated Analytics. The third-party due diligence described in Form 15E focused on three areas: compliance review, credit review, and valuation review. Fitch considered this information in its analysis and, as a result, Fitch did not make any adjustment(s) to its analysis due to the due diligence findings. Based on the results of the 100% due diligence performed on the pool, the overall expected loss was reduced by 0.48%.


Fitch relied on an independent third-party due diligence review performed on 100% of the loans. The third-party due diligence was consistent with Fitch’s “U.S. RMBS Rating Criteria.” The sponsor, Angel Oak Mortgage Fund EU, LLC, engaged American Mortgage Consultants, Inc., Clayton Services, Consolidated Analytics, Inc. and Infinity IPS to perform the review. Loans reviewed under these engagements were given compliance, credit and valuation grades and assigned initial grades for each subcategory.”

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Consolidated Analytics ( provides the real estate finance industry with an end-to-end mortgage services platform that delivers value to its customers, from asset-level analyses through enterprise-wide optimization. By harnessing the power of data and technology —and tapping into our multidisciplinary team’s expert insights— we help forward-thinking companies unlock loan and operational quality, efficiency, and performance.

Consolidated Analytics serves clients in mortgage lending, servicing, and capital markets with solutions for due diligence, valuation, advisory and consulting, and business process services (BPS).

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