American Airlines Federal Credit Union Mortgage Rates, Fees & Info

Fort Worth, TX

LEI: 5493004RLLKTQS8K7U51

Tax ID: 11-6014903

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Mortgage Data

Review & Overview

American Airlines Federal Credit Union is a smaller credit union specializing in Home Purchase loans. American Airlines Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Miami, Phoenix, 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. 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 5.93% 3/28/24
30 Year Conventional Refi 5.41% 3/28/24
30 Year Cash-out Refi 5.62% 3/28/24
15 Year Conventional Purchase 5.23% 3/28/24
15 Year Conventional Refi 5.25% 3/28/24
15 Year Cash-out Refi 5.25% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

2,554

Origination Dollar Volume (All Markets)

$447,570,000

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) 918 $163,710,000 $178,333 $0 4.51%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 221 $34,415,000 $155,724 $0 4.84%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 119 $20,115,000 $169,034 $0 4.84%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 92 $18,010,000 $195,761 $0 4.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 101 $16,775,000 $166,089 $0 4.66%
TULSA, OK (FHA|USDA|VA) 160 $16,590,000 $103,688 $0 4.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 66 $11,560,000 $175,152 $0 4.74%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 49 $9,525,000 $194,388 $0 5.23%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 44 $8,310,000 $188,864 $0 4.91%
Outside of Metro Areas 41 $7,085,000 $172,805 $0 4.28%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 15 $5,925,000 $395,000 $0 4.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 24 $5,220,000 $217,500 $0 4.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 18 $4,620,000 $256,667 $0 3.83%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 19 $4,595,000 $241,842 $0 4.86%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 26 $4,440,000 $170,769 $0 4.73%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 20 $4,320,000 $216,000 $0 4.45%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 21 $4,295,000 $204,524 $0 4.64%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 19 $4,285,000 $225,526 $0 4.55%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 23 $4,075,000 $177,174 $0 4.30%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 20 $3,520,000 $176,000 $0 4.78%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 13 $2,915,000 $224,231 $0 4.51%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 16 $2,680,000 $167,500 $0 5.29%
RALEIGH-CARY, NC (FHA|USDA|VA) 19 $2,575,000 $135,526 $0 4.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $2,460,000 $246,000 $0 3.75%
BOULDER, CO (FHA|USDA|VA) 4 $2,370,000 $592,500 $0 4.31%
Athens, TX (FHA|USDA|VA) 7 $2,205,000 $315,000 $0 3.87%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 20 $2,120,000 $106,000 $0 4.88%
TUCSON, AZ (FHA|USDA|VA) 12 $1,990,000 $165,833 $0 4.52%
Heber, UT (FHA|USDA|VA) 5 $1,935,000 $387,000 $0 4.85%
Key West, FL (FHA|USDA|VA) 3 $1,935,000 $645,000 $0 4.21%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $1,690,000 $140,833 $0 4.82%
OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $1,665,000 $185,000 $0 4.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $1,635,000 $125,769 $0 4.93%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,615,000 $230,714 $0 4.87%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $1,610,000 $268,333 $0 4.66%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $1,455,000 $207,857 $0 4.34%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,450,000 $362,500 $0 4.06%
ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $1,450,000 $120,833 $0 4.70%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,305,000 $435,000 $0 4.37%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,230,000 $307,500 $0 3.90%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,175,000 $235,000 $0 4.30%
PITTSBURGH, PA (FHA|USDA|VA) 10 $1,170,000 $117,000 $0 4.94%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,170,000 $195,000 $0 4.29%
Seneca, SC (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $0 2.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,125,000 $375,000 $0 5.58%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $1,120,000 $280,000 $0 4.09%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $0 4.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $1,085,000 $155,000 $0 4.55%
SAVANNAH, GA (FHA|USDA|VA) 4 $930,000 $232,500 $0 4.09%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $930,000 $155,000 $0 4.98%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $920,000 $230,000 $0 4.50%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $905,000 $301,667 $0 3.96%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $900,000 $225,000 $0 4.96%
COLUMBUS, OH (FHA|USDA|VA) 4 $880,000 $220,000 $0 4.16%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $810,000 $202,500 $0 5.31%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $805,000 $115,000 $0 5.06%
BOISE CITY, ID (FHA|USDA|VA) 3 $785,000 $261,667 $0 4.66%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $780,000 $130,000 $0 4.66%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $780,000 $195,000 $0 3.59%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $765,000 $255,000 $0 3.67%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $765,000 $255,000 $0 3.91%
BELLINGHAM, WA (FHA|USDA|VA) 2 $740,000 $370,000 $0 4.56%
Granbury, TX (FHA|USDA|VA) 5 $735,000 $147,000 $0 4.02%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $700,000 $116,667 $0 4.89%
PROVO-OREM, UT (FHA|USDA|VA) 2 $700,000 $350,000 $0 3.25%
ASHEVILLE, NC (FHA|USDA|VA) 3 $695,000 $231,667 $0 4.79%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $605,000 $605,000 $0 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $585,000 $195,000 $0 3.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $580,000 $290,000 $0 4.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $575,000 $575,000 $0 3.38%
Brookings, OR (FHA|USDA|VA) 1 $575,000 $575,000 $0 3.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $555,000 $185,000 $0 3.79%
Sheridan, WY (FHA|USDA|VA) 1 $555,000 $555,000 $0 4.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $550,000 $137,500 $0 3.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $550,000 $275,000 $0 4.31%
Whitewater, WI (FHA|USDA|VA) 1 $515,000 $515,000 $0 3.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $515,000 $171,667 $0 3.87%
Steamboat Springs, CO (FHA|USDA|VA) 2 $510,000 $255,000 $0 4.50%
MADISON, WI (FHA|USDA|VA) 2 $510,000 $255,000 $0 3.93%
LOUISVILLE, KY (FHA|USDA|VA) 6 $500,000 $83,333 $0 4.68%
VALLEJO, CA (FHA|USDA|VA) 3 $475,000 $158,333 $0 5.16%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $435,000 $435,000 $0 4.50%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $430,000 $215,000 $0 4.87%
Concord, NH (FHA|USDA|VA) 1 $425,000 $425,000 $0 4.63%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $425,000 $425,000 $0 3.38%
MODESTO, CA (FHA|USDA|VA) 3 $425,000 $141,667 $0 5.04%
Newport, OR (FHA|USDA|VA) 1 $415,000 $415,000 $0 2.88%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $410,000 $205,000 $0 4.31%
Outside of Metro Areas 2 $410,000 $205,000 $0 4.31%
Breckenridge, CO (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.63%
Edwards, CO (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.24%
ROCKFORD, IL (FHA|USDA|VA) 3 $385,000 $128,333 $0 4.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $380,000 $190,000 $0 4.50%
STOCKTON, CA (FHA|USDA|VA) 2 $380,000 $190,000 $0 4.12%
MADERA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $370,000 $185,000 $0 4.19%
VALDOSTA, GA (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.50%
FRESNO, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 3.88%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.00%
Duncan, OK (FHA|USDA|VA) 2 $340,000 $170,000 $0 3.81%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $330,000 $165,000 $0 4.56%
Shelby, NC (FHA|USDA|VA) 3 $315,000 $105,000 $0 4.21%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.13%
Port Angeles, WA (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.25%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $305,000 $101,667 $0 4.58%
GREEN BAY, WI (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.38%
EL PASO, TX (FHA|USDA|VA) 3 $295,000 $98,333 $0 4.38%
THE VILLAGES, FL (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $290,000 $48,333 $0 5.87%
Payson, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.50%
Holland, MI (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.00%
TYLER, TX (FHA|USDA|VA) 2 $280,000 $140,000 $0 3.88%
DeRidder, LA (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.88%
WILMINGTON, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.13%
NEW BERN, NC (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $270,000 $135,000 $0 3.51%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.06%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $270,000 $135,000 $0 5.12%
GREELEY, CO (FHA|USDA|VA) 3 $265,000 $88,333 $0 5.04%
BEND, OR (FHA|USDA|VA) 2 $260,000 $130,000 $0 6.12%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $260,000 $130,000 $0 5.31%
Ottawa, IL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $250,000 $125,000 $0 3.31%
OCALA, FL (FHA|USDA|VA) 2 $240,000 $120,000 $0 3.44%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.00%
Sanford, NC (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.12%
Kerrville, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.63%
Mineral Wells, TX (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.50%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $215,000 $71,667 $0 5.99%
ROANOKE, VA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.50%
Enterprise, AL (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.75%
LAWTON, OK (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.00%
SANTA FE, NM (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.93%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.31%
WACO, TX (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.87%
LINCOLN, NE (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.50%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
GAINESVILLE, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.63%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $185,000 $61,667 $0 4.66%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.88%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.99%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.50%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $155,000 $51,667 $0 5.16%
Keene, NH (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.63%
Miami, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.63%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $150,000 $75,000 $0 4.68%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.38%
Mount Airy, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.63%
WICHITA, KS (FHA|USDA|VA) 3 $145,000 $48,333 $0 4.74%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.63%
Paris, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.75%
FORT COLLINS, CO (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.63%
COLUMBIA, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.50%
Ardmore, OK (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.63%
Mount Pleasant, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
BRUNSWICK, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.25%
KNOXVILLE, TN (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.00%
BATON ROUGE, LA (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.74%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
Marion, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.63%
Greeneville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.88%
AMARILLO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.88%
RENO, NV (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
DOVER, DE (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.74%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
NILES, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.63%
Tahlequah, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.49%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.25%
LANCASTER, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.99%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 2.75%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $80,000 $40,000 $0 7.49%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
LONGVIEW, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.24%
Kirksville, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.49%
KINGSTON, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.24%
SYRACUSE, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
MERCED, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.49%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
Greensburg, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.74%
Albemarle, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.24%
Muskogee, OK (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.24%
Gaffney, SC (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.25%
Fallon, NV (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.49%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.24%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.99%
Ashtabula, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.24%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.49%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.88%
Bartlesville, OK (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.74%
SPARTANBURG, SC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.74%
UTICA-ROME, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.50%
MIDLAND, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.25%
Torrington, CT (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
Traverse City, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.74%
BANGOR, ME (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.24%
Calhoun, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.74%
AKRON, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.99%
ANCHORAGE, AK (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.24%
Washington, NC (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.74%
Huntsville, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.24%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.49%
MEDFORD, OR (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.24%
BILLINGS, MT (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.74%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.74%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.99%
American Airlines Federal Credit Union's top markets include Dallas, Miami, Phoenix, New York, and Chicago among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,529 $379,025,000 $247,891 $0 3.91%
    HELOC 1,025 $68,545,000 $66,873 n/a 5.73%

    For 2018, American Airlines Federal Credit Union's most frequently originated type of loan was Conventional, with 1,529 originations. Their 2nd most popular type was HELOC, with 1,025 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,087 $270,395,000 $248,753 $0 3.96%
    Home Improvement 634 $48,100,000 $75,868 $0 5.51%
    Other 408 $52,050,000 $127,574 $0 5.20%
    Cash Out Refi 304 $59,730,000 $196,480 $0 4.50%
    Refi 121 $17,295,000 $142,934 $0 4.57%

    For 2018, American Airlines Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 1,087 originations. The 2nd most popular reason was Home Improvement, with 634 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,135 $306,895,000 $270,392 $0 3.96%
    15 Year 715 $95,995,000 $134,259 $0 4.87%
    10 Year 700 $44,120,000 $63,029 $0 5.50%
    Other 4 $560,000 $140,000 $0 5.10%

    For 2018, American Airlines Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,135 originations. The 2nd most popular length was 15 Year, with 715 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 13 $2,145,000 $165,000

    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 13 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 893 $167,985,000 $188,113
    3-4% 697 $177,765,000 $255,043
    5-6% 564 $38,470,000 $68,209
    2.5-3% 155 $42,025,000 $271,129
    6-7% 132 $8,360,000 $63,333
    Over 8% 50 $2,790,000 $55,800
    7-8% 33 $1,725,000 $52,273
    <2.5% 30 $8,450,000 $281,667

    During 2018, American Airlines Federal Credit Union's average interest rate for loans was 3.96%, while their most frequently originated rate bucket for loans was 4-5%, with 893 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 977 $51,895,000 $53,117 $0 5.51%
    $100k-200k 730 $105,310,000 $144,260 $0 4.32%
    $200k-400k 632 $174,620,000 $276,297 $0 3.95%
    $400k-600k 169 $79,585,000 $470,917 $0 3.80%
    $600k-1MM 36 $24,880,000 $691,111 $0 3.78%
    $1MM+ 10 $11,280,000 $1,128,000 $0 3.61%

    2018 saw American Airlines Federal Credit Union place emphasis on $100,000 or less loans with 977 originations, totaling $51,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 639 $110,675,000 $173,200 $0 4.56%
    $150k-250k 516 $124,830,000 $241,919 $0 4.44%
    $75k-100k 513 $73,715,000 $143,694 $0 4.74%
    $50k-75k 452 $49,150,000 $108,739 $0 4.83%
    $250k+ 214 $71,090,000 $332,196 $0 4.47%
    $50k or less 211 $17,005,000 $80,592 $0 4.83%

    American Airlines Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 639 originations. The second most popular income band? $150k-250k, with 516 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 654 $114,080,000 $174,434 $0 4.49%
    30-36% 497 $93,935,000 $189,004 $0 4.65%
    <20% 231 $38,565,000 $166,948 $0 4.49%
    50-60% 141 $13,195,000 $93,582 $0 5.24%
    39% 92 $17,220,000 $187,174 $0 4.92%
    38% 90 $16,430,000 $182,556 $0 4.39%
    36% 88 $15,800,000 $179,545 $0 4.71%
    37% 87 $15,685,000 $180,287 $0 4.61%
    46% 80 $14,620,000 $182,750 $0 4.57%
    41% 79 $14,285,000 $180,823 $0 4.84%
    42% 76 $13,870,000 $182,500 $0 4.52%
    43% 71 $12,405,000 $174,718 $0 4.72%
    44% 70 $14,000,000 $200,000 $0 4.46%
    40% 68 $13,150,000 $193,382 $0 4.72%
    45% 66 $11,680,000 $176,970 $0 4.68%
    47% 57 $10,855,000 $190,439 $0 4.84%
    49% 54 $7,820,000 $144,815 $0 5.04%
    48% 43 $8,615,000 $200,349 $0 4.50%
    >60% 6 $800,000 $133,333 $0 4.83%

    American Airlines Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 654 originations. The next most common DTI ratio? 30-36%, with 497 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,773 $290,095,000 $163,618 $0 4.70%
    Not provided 428 $91,570,000 $213,949 $0 4.40%
    Asian 135 $30,325,000 $224,630 $0 4.33%
    Black 173 $27,255,000 $157,543 $0 4.87%
    Asian Indian 11 $3,735,000 $339,545 $0 3.58%
    American Indian 17 $2,645,000 $155,588 $0 4.75%
    Not applicable 4 $460,000 $115,000 $0 5.23%
    Native Hawaiian or Islander 5 $305,000 $61,000 $0 6.74%
    1 $295,000 $295,000 $0 3.63%
    Filipino 2 $250,000 $125,000 $0 3.88%
    Chinese 1 $245,000 $245,000 $0 2.50%
    Korean 1 $195,000 $195,000 $0 4.00%
    Other Asian 2 $140,000 $70,000 $0 4.13%
    Other Pacific Islander 1 $55,000 $55,000 $0 4.00%

    Approval Rates

    Total approvals of all applications
    79.04%

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

    Pick Rate

    Approvals leading to origination
    84.10%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,554 $447,570,000 $175,243

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 2 $170,000 $85,000
    Single Family (1-4 Units):Site-Built 2,552 $447,400,000 $175,313

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 415 $41,525,000 $100,060 $0 5.39%
    40-60% 280 $56,330,000 $201,179 $0 4.24%
    60-80% 667 $169,195,000 $253,666 $0 3.95%
    80-100% 570 $147,400,000 $258,596 $0 3.96%
    Under 20% 615 $31,945,000 $51,943 $0 5.68%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    AMERICAN FINANCING CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    AMERICAN FINANCING CORPORATION Conventional home mortgage Unable to get your credit report or credit score 1 50.0%