American Airlines Federal Credit Union Mortgage Rates, Fees & Info

Fort Worth, TX

LEI: 5493004RLLKTQS8K7U51

Tax ID: 11-6014903

5 stars - Updated: 4/5/25

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

American Airlines Federal Credit Union is a smaller credit union specializing in Home Improvement and Home Purchase loans. American Airlines Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Miami, Tulsa, New York, and Chicago among others. We have data for 229 markets. (Some data included below & more in-depth data is available with an active subscription.)

American Airlines Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American Airlines Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.00%	4/5/25
30 Year Conventional Purchase	6.62%	4/5/25
30 Year Conventional Refi	6.35%	4/5/25
30 Year Cash-out Refi	6.53%	4/5/25
15 Year Conventional Purchase	6.11%	4/5/25
15 Year Conventional Refi	6.09%	4/5/25
15 Year Cash-out Refi	6.09%	4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

American Airlines Federal Credit Union Mortgage Calculator

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This is not an official calculator from American Airlines Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

2,588

Origination Dollar Volume (All Markets)

$540,980,000

Relative Rate

American Airlines Federal Credit Union's average 30 year fixed mortgage rate was 6.28%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of -0.27%.

Relative Fees (Closing Costs)

American Airlines Federal Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $0.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	709	$154,085,000	$217,327	$0	6.82%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	237	$52,075,000	$219,726	$0	7.04%
TULSA, OK (FHA\|USDA\|VA)	213	$28,485,000	$133,732	$0	7.01%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	147	$28,425,000	$193,367	$0	7.21%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	124	$23,360,000	$188,387	$0	7.01%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	99	$20,635,000	$208,434	$0	7.07%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	102	$18,280,000	$179,216	$0	6.94%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	45	$15,155,000	$336,778	$0	6.79%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	42	$11,480,000	$273,333	$0	7.10%
Outside of Metro Areas	54	$10,470,000	$193,889	$0	6.75%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	41	$7,975,000	$194,512	$0	7.08%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	38	$7,230,000	$190,263	$0	7.02%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	15	$5,125,000	$341,667	$0	6.61%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	22	$4,880,000	$221,818	$0	7.18%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	30	$4,860,000	$162,000	$0	6.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	26	$4,860,000	$186,923	$0	7.05%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	27	$4,405,000	$163,148	$0	6.97%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	1	$4,105,000	$4,105,000	$0	6.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	20	$3,870,000	$193,500	$0	6.77%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	19	$3,835,000	$201,842	$0	6.68%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	7	$3,775,000	$539,286	$0	6.48%
JACKSONVILLE, FL (FHA\|USDA\|VA)	10	$3,410,000	$341,000	$0	6.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	11	$3,075,000	$279,545	$0	7.03%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	11	$3,075,000	$279,545	$0	6.82%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	10	$2,980,000	$298,000	$0	6.36%
Granbury, TX (FHA\|USDA\|VA)	10	$2,730,000	$273,000	$0	6.38%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	10	$2,570,000	$257,000	$0	6.99%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	6	$2,560,000	$426,667	$0	6.98%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	9	$2,535,000	$281,667	$0	6.75%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	8	$2,320,000	$290,000	$0	6.64%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	12	$2,210,000	$184,167	$0	6.70%
ASHEVILLE, NC (FHA\|USDA\|VA)	4	$2,000,000	$500,000	$0	6.44%
Boone, NC (FHA\|USDA\|VA)	3	$1,905,000	$635,000	$0	6.29%
PITTSBURGH, PA (FHA\|USDA\|VA)	12	$1,780,000	$148,333	$0	6.71%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	6	$1,780,000	$296,667	$0	6.54%
GREELEY, CO (FHA\|USDA\|VA)	2	$1,690,000	$845,000	$0	6.06%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	8	$1,680,000	$210,000	$0	7.66%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	9	$1,665,000	$185,000	$0	6.43%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	12	$1,650,000	$137,500	$0	6.91%
LOUISVILLE, KY (FHA\|USDA\|VA)	7	$1,615,000	$230,714	$0	6.68%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	10	$1,590,000	$159,000	$0	7.00%
Key West, FL (FHA\|USDA\|VA)	1	$1,555,000	$1,555,000	$0	5.38%
RICHMOND, VA (FHA\|USDA\|VA)	3	$1,395,000	$465,000	$0	6.08%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	9	$1,325,000	$147,222	$0	6.46%
TYLER, TX (FHA\|USDA\|VA)	5	$1,285,000	$257,000	$0	6.55%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	3	$1,235,000	$411,667	$0	7.92%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	3	$1,225,000	$408,333	$0	6.88%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	6	$1,190,000	$198,333	$0	6.92%
COLUMBUS, OH (FHA\|USDA\|VA)	5	$1,185,000	$237,000	$0	7.30%
FLORENCE, SC (FHA\|USDA\|VA)	1	$1,155,000	$1,155,000	$0	5.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	15	$1,145,000	$76,333	$0	7.81%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	4	$1,140,000	$285,000	$0	6.97%
TUCSON, AZ (FHA\|USDA\|VA)	6	$1,120,000	$186,667	$0	6.58%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	6	$1,090,000	$181,667	$0	6.75%
PUNTA GORDA, FL (FHA\|USDA\|VA)	4	$1,080,000	$270,000	$0	6.88%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	5	$1,075,000	$215,000	$0	6.65%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	7	$1,055,000	$150,714	$0	6.98%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$0	6.28%
BOULDER, CO (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$0	6.25%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	1	$995,000	$995,000	$0	6.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	8	$990,000	$123,750	$0	7.36%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	3	$985,000	$328,333	$0	7.17%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	7	$965,000	$137,857	$0	6.96%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	5	$965,000	$193,000	$0	7.18%
JACKSONVILLE, NC (FHA\|USDA\|VA)	2	$960,000	$480,000	$0	6.06%
RENO, NV (FHA\|USDA\|VA)	6	$940,000	$156,667	$0	7.25%
KNOXVILLE, TN (FHA\|USDA\|VA)	5	$905,000	$181,000	$0	6.18%
Shelton, WA (FHA\|USDA\|VA)	1	$905,000	$905,000	$0	5.50%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	3	$835,000	$278,333	$0	6.08%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	2	$830,000	$415,000	$0	7.19%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$830,000	$415,000	$0	6.31%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	2	$810,000	$405,000	$0	6.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	3	$805,000	$268,333	$0	7.62%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	2	$800,000	$400,000	$0	8.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	3	$795,000	$265,000	$0	6.58%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	3	$785,000	$261,667	$0	6.67%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	5	$765,000	$153,000	$0	6.55%
Jacksonville, TX (FHA\|USDA\|VA)	1	$755,000	$755,000	$0	6.50%
Rockport, TX (FHA\|USDA\|VA)	2	$750,000	$375,000	$0	6.31%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	4	$730,000	$182,500	$0	7.19%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	3	$705,000	$235,000	$0	6.91%
Durango, CO (FHA\|USDA\|VA)	1	$705,000	$705,000	$0	6.38%
MODESTO, CA (FHA\|USDA\|VA)	2	$700,000	$350,000	$0	6.56%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	6	$690,000	$115,000	$0	7.04%
Marion, NC (FHA\|USDA\|VA)	1	$675,000	$675,000	$0	6.00%
Athens, TX (FHA\|USDA\|VA)	2	$670,000	$335,000	$0	6.50%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	4	$670,000	$167,500	$0	6.88%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	5	$665,000	$133,000	$0	6.70%
Hilo, HI (FHA\|USDA\|VA)	2	$660,000	$330,000	$0	6.81%
SALISBURY, MD-DE (FHA\|USDA\|VA)	1	$645,000	$645,000	$0	6.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	4	$630,000	$157,500	$0	7.16%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$615,000	$205,000	$0	7.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	3	$605,000	$201,667	$0	6.33%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	1	$605,000	$605,000	$0	6.38%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	5	$595,000	$119,000	$0	7.53%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	4	$590,000	$147,500	$0	7.22%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	3	$575,000	$191,667	$0	7.00%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	3	$575,000	$191,667	$0	6.00%
COLUMBIA, SC (FHA\|USDA\|VA)	4	$560,000	$140,000	$0	6.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	3	$555,000	$185,000	$0	6.83%
Laconia, NH (FHA\|USDA\|VA)	2	$540,000	$270,000	$0	6.69%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$535,000	$535,000	$0	6.38%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$530,000	$265,000	$0	6.06%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	2	$510,000	$255,000	$0	6.94%
Willmar, MN (FHA\|USDA\|VA)	1	$505,000	$505,000	$0	7.38%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	5	$505,000	$101,000	$0	6.90%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	4	$500,000	$125,000	$0	6.53%
Forest City, NC (FHA\|USDA\|VA)	1	$495,000	$495,000	$0	6.50%
SAVANNAH, GA (FHA\|USDA\|VA)	4	$490,000	$122,500	$0	6.38%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	3	$485,000	$161,667	$0	6.25%
Payson, AZ (FHA\|USDA\|VA)	1	$475,000	$475,000	$0	6.88%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	2	$460,000	$230,000	$0	6.44%
OCALA, FL (FHA\|USDA\|VA)	2	$460,000	$230,000	$0	6.19%
Whitewater, WI (FHA\|USDA\|VA)	3	$435,000	$145,000	$0	5.92%
SANTA FE, NM (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	6.13%
ROCHESTER, NY (FHA\|USDA\|VA)	3	$425,000	$141,667	$0	6.79%
Spearfish, SD (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	7.00%
Shelby, NC (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	5.88%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	3	$415,000	$138,333	$0	8.17%
WACO, TX (FHA\|USDA\|VA)	2	$410,000	$205,000	$0	6.75%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	2	$410,000	$205,000	$0	7.31%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	3	$395,000	$131,667	$0	6.13%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$385,000	$385,000	$0	6.13%
WORCESTER, MA-CT (FHA\|USDA\|VA)	4	$350,000	$87,500	$0	7.38%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	2	$350,000	$175,000	$0	6.75%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	6.50%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	3	$335,000	$111,667	$0	7.21%
BATON ROUGE, LA (FHA\|USDA\|VA)	2	$330,000	$165,000	$0	6.06%
Athens, TN (FHA\|USDA\|VA)	2	$330,000	$165,000	$0	6.63%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$320,000	$160,000	$0	6.75%
LONGVIEW, TX (FHA\|USDA\|VA)	1	$315,000	$315,000	$0	6.75%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	6.13%
HOT SPRINGS, AR (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	6.25%
Coos Bay, OR (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	7.88%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	6.00%
AMARILLO, TX (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	6.81%
Batesville, AR (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	6.50%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	6.25%
Edwards, CO (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	6.88%
Clewiston, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	7.38%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	6.88%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	6.25%
Mount Airy, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	5.88%
MIDLAND, TX (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	5.50%
BURLINGTON, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	5.75%
Paris, TN (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	6.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	6.00%
WICHITA, KS (FHA\|USDA\|VA)	3	$235,000	$78,333	$0	7.42%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	6.38%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	5.75%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	6.00%
LYNCHBURG, VA (FHA\|USDA\|VA)	2	$230,000	$115,000	$0	8.31%
Lebanon, NH-VT (FHA\|USDA\|VA)	2	$210,000	$105,000	$0	7.00%
AKRON, OH (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	6.88%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	7.50%
Hereford, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	6.75%
Danville, VA (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	5.88%
Iron Mountain, MI-WI (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	6.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	6.38%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.38%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	5.63%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	6.63%
STOCKTON, CA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.13%
SPRINGFIELD, MA (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	6.96%
MADISON, WI (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	6.88%
Bartlesville, OK (FHA\|USDA\|VA)	2	$160,000	$80,000	$0	6.56%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	6.38%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	7.75%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	7.63%
Auburn, NY (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	6.38%
Morehead City, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	7.38%
Heber, UT (FHA\|USDA\|VA)	2	$150,000	$75,000	$0	7.50%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	6.13%
LANCASTER, PA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	6.75%
JOPLIN, MO (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.50%
Coffeyville, KS (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	5.88%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	5.88%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	5.63%
Albemarle, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.50%
EL PASO, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.13%
Bellefontaine, OH (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	5.88%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.13%
Corsicana, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.13%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.38%
CLEVELAND, TN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.88%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.25%
Hudson, NY (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.88%
Show Low, AZ (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.50%
Sanford, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.38%
Breckenridge, CO (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.13%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.88%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	8.63%
FRESNO, CA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.13%
LONGVIEW, WA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.88%
Muskogee, OK (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.50%
BOISE CITY, ID (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.63%
Russellville, AR (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.13%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	9.13%
Dodge City, KS (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.38%
Ukiah, CA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.38%
DOVER, DE (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.13%
Plymouth, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.13%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.38%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.63%
MUNCIE, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.25%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.38%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.13%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.88%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.63%
CARSON CITY, NV (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.88%
Vineyard Haven, MA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.38%
Mount Vernon, IL (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	7.38%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.63%
LAWTON, OK (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	8.88%
DALTON, GA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.88%
ABILENE, TX (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.63%
Somerset, KY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.88%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	7.63%
BILLINGS, MT (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	9.63%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.88%
Mountain Home, AR (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.88%
SAGINAW, MI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.63%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	5.88%
UTICA-ROME, NY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	5.63%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.88%
El Dorado, AR (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	8.38%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.88%
PINE BLUFF, AR (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	10.38%

American Airlines Federal Credit Union's top markets include Dallas, Miami, Tulsa, New York, and Chicago among others.

Their top states include:

Texas (FHA|USDA|VA)

Florida (FHA|USDA|VA)

California (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

Oklahoma (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
HELOC	1,764	$203,220,000	$115,204	n/a	7.22%
Conventional	824	$337,760,000	$409,903	$0	6.25%

For 2024, American Airlines Federal Credit Union's most frequently originated type of loan was HELOC, with 1,764 originations. Their 2nd most popular type was Conventional, with 824 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Improvement	1,120	$125,070,000	$111,670	$0	7.11%
Home Purchase	808	$321,910,000	$398,403	$0	6.32%
Other	448	$45,930,000	$102,522	$0	7.51%
Refi	135	$27,975,000	$207,222	$0	7.09%
Cash Out Refi	77	$20,095,000	$260,974	$0	6.60%

For 2024, American Airlines Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 1,120 originations. The 2nd most popular reason was Home Purchase, with 808 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
10 Year	938	$100,530,000	$107,175	$0	6.89%
15 Year	923	$134,155,000	$145,347	$0	7.43%
30 Year	727	$306,295,000	$421,314	$0	6.28%

For 2024, American Airlines Federal Credit Union's most frequently cited loan duration was 10 Year, with 938 originations. The 2nd most popular length was 15 Year, with 923 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	249	$108,895,000	$437,329

American Airlines Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 249 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
6-7%	1,174	$299,140,000	$254,804
7-8%	576	$66,490,000	$115,434
5-6%	474	$136,730,000	$288,460
Over 8%	360	$34,580,000	$96,056
4-5%	4	$4,040,000	$1,010,000

During 2024, American Airlines Federal Credit Union's average interest rate for loans was 6.28%, while their most frequently originated rate bucket for loans was 6-7%, with 1,174 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	947	$56,185,000	$59,329	$0	7.34%
$100k-200k	671	$90,195,000	$134,419	$0	7.00%
$200k-400k	626	$171,880,000	$274,569	$0	6.54%
$400k-600k	193	$92,905,000	$481,373	$0	6.37%
$600k-1MM	120	$87,520,000	$729,333	$0	6.19%
$1MM+	31	$42,295,000	$1,364,355	$0	5.89%

2024 saw American Airlines Federal Credit Union place emphasis on $100,000 or less loans with 947 originations, totaling $56,185,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	676	$107,770,000	$159,423	$0	7.04%
$150k-250k	626	$156,130,000	$249,409	$0	6.82%
$250k+	452	$174,890,000	$386,925	$0	6.56%
$75k-100k	393	$51,365,000	$130,700	$0	7.16%
$50k-75k	320	$35,720,000	$111,625	$0	6.97%
$50k or less	120	$14,860,000	$123,833	$0	7.11%

American Airlines Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 676 originations. The second most popular income band? $150k-250k, with 626 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	485	$114,265,000	$235,598	$0	6.65%
50-60%	484	$66,660,000	$137,727	$0	7.34%
30-36%	405	$95,865,000	$236,704	$0	6.74%
<20%	159	$25,805,000	$162,296	$0	6.63%
43%	90	$17,020,000	$189,111	$0	6.97%
44%	85	$17,745,000	$208,765	$0	6.91%
46%	78	$15,160,000	$194,359	$0	6.99%
40%	77	$18,645,000	$242,143	$0	6.84%
36%	77	$22,225,000	$288,636	$0	6.81%
49%	76	$13,220,000	$173,947	$0	7.05%
39%	74	$15,710,000	$212,297	$0	7.02%
37%	71	$18,305,000	$257,817	$0	6.78%
45%	70	$14,000,000	$200,000	$0	7.13%
48%	69	$13,505,000	$195,725	$0	7.17%
42%	66	$16,180,000	$245,152	$0	6.97%
47%	62	$19,150,000	$308,871	$0	6.92%
38%	61	$15,585,000	$255,492	$0	6.82%
41%	57	$12,685,000	$222,544	$0	6.85%
>60%	42	$9,250,000	$220,238	$0	7.04%

American Airlines Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 485 originations. The next most common DTI ratio? 50-60%, with 484 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,554	$341,910,000	$220,019	$0	6.84%
Not provided	608	$123,720,000	$203,487	$0	6.91%
Black	262	$39,360,000	$150,229	$0	7.38%
Asian	86	$21,920,000	$254,884	$0	6.74%
American Indian	35	$5,195,000	$148,429	$0	7.04%
Asian Indian	19	$4,585,000	$241,316	$0	6.97%
Other Asian	8	$1,600,000	$200,000	$0	7.16%
Native Hawaiian or Islander	7	$985,000	$140,714	$0	7.39%
Filipino	5	$865,000	$173,000	$0	6.73%
Vietnamese	1	$565,000	$565,000	$0	5.75%
Other Pacific Islander	1	$145,000	$145,000	$0	7.63%
Chinese	1	$65,000	$65,000	$0	7.38%
Samoan	1	$65,000	$65,000	$0	6.38%

Approval Rates

Total approvals of all applications
73.37%

American Airlines Federal Credit Union has a below average approval rate.

Pick Rate

Approvals leading to origination
79.64%

American Airlines Federal Credit Union has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,588	$540,980,000	$209,034

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,588	$540,980,000	$209,034

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	681	$102,585,000	$150,639	$0	7.15%
40-60%	218	$57,630,000	$264,358	$0	6.65%
60-80%	347	$146,215,000	$421,369	$0	6.36%
80-100%	378	$159,760,000	$422,646	$0	6.26%
Under 20%	964	$74,790,000	$77,583	$0	7.27%