American Airlines Federal Credit Union Mortgage Rates, Fees & Info

Fort Worth, TX

LEI: 5493004RLLKTQS8K7U51

Tax ID: 11-6014903

Latest/2023 | 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 Purchase loans. American Airlines Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Miami, Phoenix, Tulsa, and New York among others. We have data for 209 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%	4/18/24
30 Year Conventional Purchase	5.93%	4/18/24
30 Year Conventional Refi	5.41%	4/18/24
30 Year Cash-out Refi	5.62%	4/18/24
15 Year Conventional Purchase	5.23%	4/18/24
15 Year Conventional Refi	5.25%	4/18/24
15 Year Cash-out Refi	5.25%	4/18/24
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

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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

2,607

Origination Dollar Volume (All Markets)

$484,745,000

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)	938	$174,880,000	$186,439	$0	4.52%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	208	$37,780,000	$181,635	$0	4.63%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	136	$25,430,000	$186,985	$0	4.59%
TULSA, OK (FHA\|USDA\|VA)	172	$19,900,000	$115,698	$0	4.78%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	89	$19,105,000	$214,663	$0	4.79%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	113	$18,545,000	$164,115	$0	4.48%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	50	$14,480,000	$289,600	$0	4.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	61	$11,275,000	$184,836	$0	4.95%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	32	$8,570,000	$267,813	$0	4.60%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	38	$6,690,000	$176,053	$0	5.11%
Outside of Metro Areas	36	$5,960,000	$165,556	$0	4.29%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	29	$5,725,000	$197,414	$0	4.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	21	$5,445,000	$259,286	$0	4.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	29	$4,665,000	$160,862	$0	4.69%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	21	$4,655,000	$221,667	$0	3.94%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	16	$4,630,000	$289,375	$0	4.86%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	24	$4,440,000	$185,000	$0	4.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	23	$4,265,000	$185,435	$0	4.65%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	17	$3,995,000	$235,000	$0	4.55%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	12	$3,830,000	$319,167	$0	4.35%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	13	$3,705,000	$285,000	$0	5.01%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	17	$3,095,000	$182,059	$0	4.42%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	21	$3,035,000	$144,524	$0	4.44%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	5	$2,305,000	$461,000	$0	4.30%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	12	$2,270,000	$189,167	$0	4.56%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	9	$2,265,000	$251,667	$0	3.75%
Granbury, TX (FHA\|USDA\|VA)	10	$2,010,000	$201,000	$0	4.37%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	3	$1,805,000	$601,667	$0	4.00%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	3	$1,785,000	$595,000	$0	5.12%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	4	$1,770,000	$442,500	$0	3.41%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	8	$1,690,000	$211,250	$0	4.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	9	$1,655,000	$183,889	$0	4.85%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	5	$1,635,000	$327,000	$0	4.55%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	13	$1,635,000	$125,769	$0	4.96%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	4	$1,530,000	$382,500	$0	5.03%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	8	$1,530,000	$191,250	$0	4.53%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	8	$1,450,000	$181,250	$0	4.33%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	5	$1,435,000	$287,000	$0	3.45%
BOULDER, CO (FHA\|USDA\|VA)	4	$1,340,000	$335,000	$0	4.25%
BOISE CITY, ID (FHA\|USDA\|VA)	5	$1,195,000	$239,000	$0	3.87%
TYLER, TX (FHA\|USDA\|VA)	3	$1,195,000	$398,333	$0	3.75%
RENO, NV (FHA\|USDA\|VA)	6	$1,170,000	$195,000	$0	4.75%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	8	$1,160,000	$145,000	$0	4.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	7	$1,155,000	$165,000	$0	4.89%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	7	$1,155,000	$165,000	$0	3.82%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	7	$1,145,000	$163,571	$0	4.02%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	9	$1,135,000	$126,111	$0	4.43%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	11	$1,105,000	$100,455	$0	4.71%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	6	$1,070,000	$178,333	$0	4.72%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	1	$1,025,000	$1,025,000	$0	3.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	3	$985,000	$328,333	$0	3.79%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	6	$970,000	$161,667	$0	3.81%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	8	$970,000	$121,250	$0	5.49%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	5	$965,000	$193,000	$0	5.22%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	5	$965,000	$193,000	$0	4.25%
STOCKTON, CA (FHA\|USDA\|VA)	2	$860,000	$430,000	$0	4.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	7	$825,000	$117,857	$0	5.42%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	5	$825,000	$165,000	$0	4.55%
Heber, UT (FHA\|USDA\|VA)	2	$820,000	$410,000	$0	3.94%
KNOXVILLE, TN (FHA\|USDA\|VA)	6	$800,000	$133,333	$0	4.71%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	8	$770,000	$96,250	$0	4.31%
Newport, OR (FHA\|USDA\|VA)	2	$730,000	$365,000	$0	3.75%
COLUMBUS, OH (FHA\|USDA\|VA)	7	$725,000	$103,571	$0	5.42%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$715,000	$715,000	$0	4.00%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	5	$695,000	$139,000	$0	4.25%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	5	$695,000	$139,000	$0	4.84%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	5	$695,000	$139,000	$0	4.80%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	2	$670,000	$335,000	$0	5.25%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	2	$670,000	$335,000	$0	3.25%
TUCSON, AZ (FHA\|USDA\|VA)	8	$660,000	$82,500	$0	5.17%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	2	$620,000	$310,000	$0	4.06%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	3	$615,000	$205,000	$0	5.91%
Athens, TX (FHA\|USDA\|VA)	2	$610,000	$305,000	$0	3.31%
FRESNO, CA (FHA\|USDA\|VA)	3	$595,000	$198,333	$0	4.29%
ASHEVILLE, NC (FHA\|USDA\|VA)	3	$585,000	$195,000	$0	4.58%
PROVO-OREM, UT (FHA\|USDA\|VA)	2	$580,000	$290,000	$0	4.37%
Montrose, CO (FHA\|USDA\|VA)	1	$565,000	$565,000	$0	3.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	3	$565,000	$188,333	$0	3.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	4	$560,000	$140,000	$0	4.09%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$545,000	$545,000	$0	3.75%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	4	$540,000	$135,000	$0	4.75%
Morehead City, NC (FHA\|USDA\|VA)	1	$535,000	$535,000	$0	4.88%
Forest City, NC (FHA\|USDA\|VA)	2	$520,000	$260,000	$0	5.50%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	3	$505,000	$168,333	$0	4.33%
SALINAS, CA (FHA\|USDA\|VA)	1	$495,000	$495,000	$0	3.50%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	3	$475,000	$158,333	$0	3.54%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$475,000	$475,000	$0	3.13%
COLUMBIA, SC (FHA\|USDA\|VA)	2	$470,000	$235,000	$0	3.75%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	4.31%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$445,000	$445,000	$0	3.63%
Bozeman, MT (FHA\|USDA\|VA)	1	$445,000	$445,000	$0	4.63%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	1	$445,000	$445,000	$0	3.75%
Laconia, NH (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	3.31%
Okeechobee, FL (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	4.13%
Mineral Wells, TX (FHA\|USDA\|VA)	2	$420,000	$210,000	$0	3.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$415,000	$415,000	$0	3.00%
TOLEDO, OH (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	4.62%
HUNTSVILLE, AL (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	4.87%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	3.63%
Boone, NC (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	3	$395,000	$131,667	$0	5.62%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	2	$390,000	$195,000	$0	4.50%
ANCHORAGE, AK (FHA\|USDA\|VA)	2	$390,000	$195,000	$0	3.13%
JACKSONVILLE, FL (FHA\|USDA\|VA)	5	$375,000	$75,000	$0	4.77%
EL PASO, TX (FHA\|USDA\|VA)	3	$375,000	$125,000	$0	3.63%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	4	$370,000	$92,500	$0	4.37%
ENID, OK (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	3.88%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	4.00%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	4.13%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	3	$325,000	$108,333	$0	5.58%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	4	$320,000	$80,000	$0	4.65%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	2	$320,000	$160,000	$0	3.56%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$315,000	$315,000	$0	3.75%
MODESTO, CA (FHA\|USDA\|VA)	1	$315,000	$315,000	$0	3.75%
RICHMOND, VA (FHA\|USDA\|VA)	3	$315,000	$105,000	$0	4.99%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	3.38%
BOWLING GREEN, KY (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	4.00%
WILMINGTON, NC (FHA\|USDA\|VA)	2	$300,000	$150,000	$0	3.88%
ABILENE, TX (FHA\|USDA\|VA)	3	$295,000	$98,333	$0	4.54%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	3.75%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	4.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	3	$285,000	$95,000	$0	5.49%
BILLINGS, MT (FHA\|USDA\|VA)	2	$280,000	$140,000	$0	4.00%
LOUISVILLE, KY (FHA\|USDA\|VA)	2	$260,000	$130,000	$0	4.87%
La Grande, OR (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.50%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	3	$255,000	$85,000	$0	5.37%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	4	$250,000	$62,500	$0	4.19%
SAVANNAH, GA (FHA\|USDA\|VA)	2	$250,000	$125,000	$0	5.75%
Celina, OH (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	3.75%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	4.63%
IDAHO FALLS, ID (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	3.75%
MONROE, MI (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	5.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	3.75%
MIDLAND, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	4.38%
PITTSBURGH, PA (FHA\|USDA\|VA)	3	$225,000	$75,000	$0	4.58%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$220,000	$110,000	$0	3.88%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.25%
READING, PA (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	2.88%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.13%
WACO, TX (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	4.75%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	3	$195,000	$65,000	$0	5.91%
Pittsburg, KS (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	3.50%
SANTA FE, NM (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	3.25%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	2	$180,000	$90,000	$0	4.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	3	$175,000	$58,333	$0	4.49%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	3.75%
RACINE, WI (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	3.75%
COLUMBIA, MO (FHA\|USDA\|VA)	2	$170,000	$85,000	$0	5.00%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.75%
Calhoun, GA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.50%
Taos, NM (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.25%
MOBILE, AL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.25%
JACKSON, MI (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.75%
Bonham, TX (FHA\|USDA\|VA)	2	$160,000	$80,000	$0	5.00%
Lebanon, NH-VT (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.00%
Tahlequah, OK (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	3.75%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	4.99%
Whitewater, WI (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	3.88%
MUNCIE, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.75%
El Dorado, AR (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.25%
SUMTER, SC (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.63%
ROCKFORD, IL (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.75%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	3.75%
Mount Vernon, OH (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.38%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	3.13%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.50%
Urbana, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.63%
Gainesville, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.38%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.25%
Muskogee, OK (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	3.75%
NAPA, CA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.74%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	4.99%
Key West, FL (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.74%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.50%
ROCHESTER, MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.13%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.75%
ROCHESTER, NY (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	5.00%
GREELEY, CO (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.49%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	4.13%
McMinnville, TN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.75%
Ludington, MI (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	2.88%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	3.50%
Branson, MO (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	3.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	3.13%
AKRON, OH (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	3.75%
Duncan, OK (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.50%
JACKSON, TN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.99%
WICHITA FALLS, TX (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.88%
Traverse City, MI (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.49%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.49%
Wapakoneta, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.49%
Sandusky, OH (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.49%
Roswell, NM (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.74%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	3.75%
Fernley, NV (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	5.99%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	4.99%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	5.99%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	5.49%
DANVILLE, IL (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	5.74%
Sanford, NC (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.99%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.49%
Corsicana, TX (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.49%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	5.99%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.99%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.87%
Durant, OK (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	5.74%
Roseburg, OR (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	5.74%
Albemarle, NC (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	6.24%

American Airlines Federal Credit Union's top markets include Dallas, Miami, Phoenix, Tulsa, and New York 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	1,679	$420,755,000	$250,599	$0	3.68%
HELOC	928	$63,990,000	$68,955	n/a	6.18%

For 2019, American Airlines Federal Credit Union's most frequently originated type of loan was Conventional, with 1,679 originations. Their 2nd most popular type was HELOC, with 928 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,023	$255,155,000	$249,418	$0	3.80%
Home Improvement	551	$47,575,000	$86,343	$0	5.77%
Other	539	$68,895,000	$127,820	$0	5.34%
Cash Out Refi	356	$79,520,000	$223,371	$0	4.13%
Refi	138	$33,600,000	$243,478	$0	3.66%

For 2019, American Airlines Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 1,023 originations. The 2nd most popular reason was Home Improvement, with 551 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,229	$334,005,000	$271,770	$0	3.78%
15 Year	747	$108,665,000	$145,469	$0	4.77%
10 Year	614	$38,940,000	$63,420	$0	5.92%
Other	17	$3,135,000	$184,412	$0	4.53%

For 2019, American Airlines Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,229 originations. The 2nd most popular length was 15 Year, with 747 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,350	$350,530,000	$259,652

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 1,350 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,338	$336,000,000	$251,121
5-6%	553	$40,105,000	$72,523
4-5%	242	$49,400,000	$204,132
6-7%	234	$15,570,000	$66,538
2.5-3%	134	$37,550,000	$280,224
Over 8%	84	$4,370,000	$52,024
7-8%	20	$1,170,000	$58,500
<2.5%	2	$580,000	$290,000

During 2019, American Airlines Federal Credit Union's average interest rate for loans was 3.78%, while their most frequently originated rate bucket for loans was 3-4%, with 1,338 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	884	$47,170,000	$53,360	$0	5.80%
$200k-400k	754	$209,560,000	$277,931	$0	3.76%
$100k-200k	750	$108,180,000	$144,240	$0	4.21%
$400k-600k	165	$78,005,000	$472,758	$0	3.67%
$600k-1MM	49	$36,145,000	$737,653	$0	3.54%
$1MM+	5	$5,685,000	$1,137,000	$0	3.18%

2019 saw American Airlines Federal Credit Union place emphasis on $100,000 or less loans with 884 originations, totaling $47,170,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	661	$131,115,000	$198,359	$0	4.49%
$50k-75k	514	$63,660,000	$123,852	$0	4.64%
$75k-100k	514	$77,490,000	$150,759	$0	4.66%
$150k-250k	495	$126,025,000	$254,596	$0	4.40%
$50k or less	209	$17,225,000	$82,416	$0	5.13%
$250k+	207	$68,455,000	$330,700	$0	4.29%

American Airlines Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 661 originations. The second most popular income band? $50k-75k, with 514 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	620	$113,710,000	$183,403	$0	4.43%
30-36%	504	$102,320,000	$203,016	$0	4.41%
<20%	216	$38,270,000	$177,176	$0	4.23%
50-60%	147	$16,055,000	$109,218	$0	5.61%
41%	105	$20,955,000	$199,571	$0	4.62%
38%	99	$19,515,000	$197,121	$0	4.52%
36%	99	$21,245,000	$214,596	$0	4.37%
39%	95	$16,515,000	$173,842	$0	4.84%
42%	91	$18,215,000	$200,165	$0	4.59%
44%	90	$15,650,000	$173,889	$0	4.58%
37%	82	$16,190,000	$197,439	$0	4.76%
40%	79	$13,535,000	$171,329	$0	4.53%
43%	68	$12,750,000	$187,500	$0	4.71%
47%	65	$12,455,000	$191,615	$0	4.65%
49%	63	$11,755,000	$186,587	$0	4.70%
45%	61	$11,405,000	$186,967	$0	4.70%
48%	56	$11,210,000	$200,179	$0	5.00%
46%	49	$8,345,000	$170,306	$0	5.04%
>60%	10	$3,030,000	$303,000	$0	4.23%

American Airlines Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 620 originations. The next most common DTI ratio? 30-36%, with 504 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,788	$314,130,000	$175,688	$0	4.67%
Not provided	498	$109,730,000	$220,341	$0	4.20%
Black	161	$26,135,000	$162,329	$0	4.90%
Asian	102	$23,020,000	$225,686	$0	4.29%
American Indian	20	$3,280,000	$164,000	$0	4.33%
Asian Indian	7	$2,485,000	$355,000	$0	3.57%
Native Hawaiian or Islander	15	$1,685,000	$112,333	$0	5.10%
Other Asian	3	$1,545,000	$515,000	$0	3.75%
Filipino	4	$1,060,000	$265,000	$0	3.50%
Not applicable	5	$605,000	$121,000	$0	4.54%
Other Pacific Islander	1	$465,000	$465,000	$0	3.25%
Chinese	2	$380,000	$190,000	$0	3.06%
Vietnamese	1	$225,000	$225,000	$0	3.50%

Approval Rates

Total approvals of all applications
77.59%

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

Pick Rate

Approvals leading to origination
84.04%

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

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,607	$484,745,000	$185,940

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	2,607	$484,745,000	$185,940

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	413	$44,455,000	$107,639	$0	5.42%
40-60%	296	$58,970,000	$199,223	$0	4.16%
60-80%	792	$205,050,000	$258,902	$0	3.77%
80-100%	558	$148,390,000	$265,932	$0	3.78%
Under 20%	541	$26,315,000	$48,641	$0	6.15%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
AMERICA FIRST FEDERAL CREDIT UNION	Home equity loan or line of credit (HELOC)	Trouble during payment process	1	100.0%