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

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    • Review & Overview

    American Airlines Federal Credit Union is a smaller credit union specializing in Home Purchase, Cash Out Refi, and Refi 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 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% 12/16/24
    30 Year Conventional Purchase 5.93% 12/16/24
    30 Year Conventional Refi 5.41% 12/16/24
    30 Year Cash-out Refi 5.62% 12/16/24
    15 Year Conventional Purchase 5.23% 12/16/24
    15 Year Conventional Refi 5.25% 12/16/24
    15 Year Cash-out Refi 5.25% 12/16/24
    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

    2,664

    Origination Dollar Volume (All Markets)

    $567,110,000

    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) 951 $202,255,000 $212,676 $0 3.60%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 186 $40,770,000 $219,194 $0 3.87%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 143 $28,395,000 $198,566 $0 4.14%
    TULSA, OK (FHA|USDA|VA) 166 $24,250,000 $146,084 $0 3.97%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 73 $19,045,000 $260,890 $0 3.77%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 55 $18,555,000 $337,364 $0 3.86%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 96 $16,270,000 $169,479 $0 3.87%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 72 $14,760,000 $205,000 $0 3.72%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 54 $10,910,000 $202,037 $0 4.37%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 25 $10,905,000 $436,200 $0 3.98%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 29 $8,815,000 $303,966 $0 3.87%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 26 $7,520,000 $289,231 $0 3.33%
    Outside of Metro Areas 38 $6,790,000 $178,684 $0 3.90%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 16 $6,290,000 $393,125 $0 3.81%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 23 $5,865,000 $255,000 $0 3.58%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 34 $5,760,000 $169,412 $0 4.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 29 $4,965,000 $171,207 $0 4.08%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 18 $4,760,000 $264,444 $0 3.56%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 23 $4,755,000 $206,739 $0 3.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $4,480,000 $224,000 $0 3.67%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $3,820,000 $238,750 $0 3.47%
    RALEIGH-CARY, NC (FHA|USDA|VA) 30 $3,690,000 $123,000 $0 4.32%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 14 $3,680,000 $262,857 $0 3.39%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $3,115,000 $283,182 $0 3.56%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 16 $3,070,000 $191,875 $0 3.92%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 14 $2,960,000 $211,429 $0 4.18%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $2,800,000 $466,667 $0 3.39%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,500,000 $416,667 $0 3.23%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $2,375,000 $215,909 $0 3.41%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $2,355,000 $214,091 $0 3.86%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $2,300,000 $230,000 $0 3.90%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $2,090,000 $348,333 $0 3.85%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $1,855,000 $168,636 $0 3.69%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $1,830,000 $152,500 $0 3.20%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $1,750,000 $218,750 $0 4.15%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,745,000 $349,000 $0 3.10%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $1,735,000 $347,000 $0 4.59%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,705,000 $568,333 $0 3.83%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,675,000 $186,111 $0 3.60%
    BOULDER, CO (FHA|USDA|VA) 3 $1,675,000 $558,333 $0 3.46%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $1,650,000 $206,250 $0 3.87%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 7 $1,475,000 $210,714 $0 3.75%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $1,455,000 $485,000 $0 3.13%
    Heber, UT (FHA|USDA|VA) 3 $1,395,000 $465,000 $0 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,385,000 $197,857 $0 4.28%
    Key West, FL (FHA|USDA|VA) 2 $1,340,000 $670,000 $0 3.69%
    RICHMOND, VA (FHA|USDA|VA) 9 $1,305,000 $145,000 $0 3.86%
    SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,300,000 $325,000 $0 2.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,280,000 $213,333 $0 3.67%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,210,000 $201,667 $0 3.69%
    COLUMBUS, OH (FHA|USDA|VA) 8 $1,200,000 $150,000 $0 3.50%
    RENO, NV (FHA|USDA|VA) 4 $1,190,000 $297,500 $0 4.21%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $1,145,000 $163,571 $0 3.43%
    JACKSONVILLE, FL (FHA|USDA|VA) 8 $1,100,000 $137,500 $0 4.01%
    FORT COLLINS, CO (FHA|USDA|VA) 5 $1,035,000 $207,000 $0 4.17%
    Kapaa, HI (FHA|USDA|VA) 2 $1,030,000 $515,000 $0 3.25%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $960,000 $480,000 $0 3.44%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $960,000 $160,000 $0 3.96%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $890,000 $222,500 $0 4.37%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $880,000 $220,000 $0 3.68%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $875,000 $875,000 $0 3.00%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $870,000 $217,500 $0 3.16%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $860,000 $430,000 $0 2.81%
    SANTA FE, NM (FHA|USDA|VA) 4 $850,000 $212,500 $0 3.75%
    LOUISVILLE, KY (FHA|USDA|VA) 4 $810,000 $202,500 $0 3.06%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $805,000 $268,333 $0 4.83%
    ANCHORAGE, AK (FHA|USDA|VA) 3 $775,000 $258,333 $0 2.83%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $770,000 $385,000 $0 2.88%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $735,000 $735,000 $0 2.88%
    Forest City, NC (FHA|USDA|VA) 2 $730,000 $365,000 $0 3.38%
    LUBBOCK, TX (FHA|USDA|VA) 3 $715,000 $238,333 $0 3.04%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $715,000 $715,000 $0 3.38%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $690,000 $172,500 $0 3.25%
    URBAN HONOLULU, HI (FHA|USDA|VA) 4 $690,000 $172,500 $0 3.90%
    TUCSON, AZ (FHA|USDA|VA) 7 $685,000 $97,857 $0 4.37%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $645,000 $645,000 $0 3.00%
    STOCKTON, CA (FHA|USDA|VA) 1 $635,000 $635,000 $0 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 5 $635,000 $127,000 $0 3.90%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $620,000 $155,000 $0 3.97%
    Granbury, TX (FHA|USDA|VA) 3 $615,000 $205,000 $0 3.63%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $595,000 $595,000 $0 3.13%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $585,000 $195,000 $0 3.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $580,000 $145,000 $0 4.25%
    WICHITA, KS (FHA|USDA|VA) 3 $565,000 $188,333 $0 3.08%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $555,000 $185,000 $0 4.12%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $535,000 $178,333 $0 3.17%
    WILMINGTON, NC (FHA|USDA|VA) 4 $530,000 $132,500 $0 5.50%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $525,000 $525,000 $0 3.13%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $505,000 $505,000 $0 2.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $500,000 $250,000 $0 2.88%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $500,000 $250,000 $0 3.19%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.88%
    COLUMBIA, SC (FHA|USDA|VA) 4 $480,000 $120,000 $0 2.84%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $475,000 $158,333 $0 3.75%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $470,000 $235,000 $0 4.25%
    ROANOKE, VA (FHA|USDA|VA) 2 $460,000 $230,000 $0 2.81%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $460,000 $230,000 $0 3.31%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $460,000 $230,000 $0 3.19%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $455,000 $151,667 $0 4.12%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $445,000 $148,333 $0 4.16%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $430,000 $215,000 $0 3.00%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $430,000 $215,000 $0 4.75%
    SPRINGFIELD, MA (FHA|USDA|VA) 5 $425,000 $85,000 $0 5.12%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $410,000 $205,000 $0 3.31%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $410,000 $205,000 $0 3.00%
    Outside of Metro Areas 1 $405,000 $405,000 $0 3.25%
    WACO, TX (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.44%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $390,000 $195,000 $0 2.88%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $380,000 $190,000 $0 3.44%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.50%
    CHICO, CA (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.75%
    BEND, OR (FHA|USDA|VA) 2 $360,000 $180,000 $0 4.25%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.25%
    Alexandria, MN (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.63%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.75%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.38%
    Whitewater, WI (FHA|USDA|VA) 3 $325,000 $108,333 $0 4.49%
    CORVALLIS, OR (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.63%
    MADISON, WI (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.38%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.63%
    Boone, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.00%
    TYLER, TX (FHA|USDA|VA) 3 $295,000 $98,333 $0 4.95%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $295,000 $98,333 $0 4.95%
    Riverton, WY (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.25%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.75%
    Tahlequah, OK (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.75%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $275,000 $91,667 $0 5.37%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.75%
    Breckenridge, CO (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.88%
    Torrington, CT (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.88%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.38%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.25%
    MANHATTAN, KS (FHA|USDA|VA) 2 $260,000 $130,000 $0 3.19%
    BANGOR, ME (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.63%
    Stillwater, OK (FHA|USDA|VA) 2 $240,000 $120,000 $0 4.06%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $240,000 $120,000 $0 3.63%
    KINGSTON, NY (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.25%
    ABILENE, TX (FHA|USDA|VA) 2 $230,000 $115,000 $0 3.25%
    CARSON CITY, NV (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.38%
    Fredericksburg, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.75%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $220,000 $110,000 $0 4.43%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.75%
    Paris, TN (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.88%
    BOISE CITY, ID (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.49%
    Oneonta, NY (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.38%
    MERCED, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.63%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $190,000 $95,000 $0 3.19%
    Traverse City, MI (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.50%
    ENID, OK (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.88%
    Greenville, MS (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.56%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.00%
    MIDLAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.13%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $170,000 $85,000 $0 3.93%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $170,000 $85,000 $0 4.31%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $170,000 $85,000 $0 4.75%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.88%
    STAUNTON, VA (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.38%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.99%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.25%
    Port Angeles, WA (FHA|USDA|VA) 2 $160,000 $80,000 $0 5.49%
    BILLINGS, MT (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.88%
    DuBois, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.63%
    Eagle Pass, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.38%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.63%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.75%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.38%
    OCALA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.63%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $140,000 $70,000 $0 3.31%
    GREELEY, CO (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.74%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
    Lake City, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.38%
    Hastings, NE (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.75%
    Rutland, VT (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.99%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.88%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.63%
    AKRON, OH (FHA|USDA|VA) 2 $120,000 $60,000 $0 3.31%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.50%
    Athens, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.38%
    Winfield, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.50%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.49%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.37%
    LONGVIEW, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.24%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.25%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.00%
    Guymon, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.25%
    EL PASO, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.63%
    Concord, NH (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.24%
    YUMA, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.25%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.75%
    TOLEDO, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.38%
    Ashtabula, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.63%
    Rolla, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.13%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.74%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.75%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.74%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.49%
    Vermillion, SD (FHA|USDA|VA) 1 $65,000 $65,000 $0 2.50%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.24%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
    Sanford, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.24%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.63%
    FRESNO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.37%
    JACKSON, TN (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.49%
    DOVER, DE (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.74%
    Gainesville, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.74%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.49%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.99%
    Morehead City, NC (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.24%
    Ponca City, OK (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
    Mount Vernon, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.49%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.00%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.99%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.12%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.74%
    McAlester, OK (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.74%
    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 1,895 $506,605,000 $267,338 $0 3.12%
    HELOC 769 $60,505,000 $78,680 n/a 5.40%

    For 2020, American Airlines Federal Credit Union's most frequently originated type of loan was Conventional, with 1,895 originations. Their 2nd most popular type was HELOC, with 769 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 700 $188,170,000 $268,814 $0 3.35%
    Cash Out Refi 674 $166,530,000 $247,077 $0 3.34%
    Home Improvement 487 $48,375,000 $99,333 $0 5.00%
    Refi 475 $120,965,000 $254,663 $0 3.08%
    Other 328 $43,070,000 $131,311 $0 4.79%

    For 2020, American Airlines Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 700 originations. The 2nd most popular reason was Cash Out Refi, with 674 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,245 $376,975,000 $302,791 $0 3.26%
    15 Year 882 $142,370,000 $161,417 $0 3.85%
    10 Year 432 $31,570,000 $73,079 $0 5.27%
    Other 105 $16,195,000 $154,238 $0 3.28%

    For 2020, American Airlines Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,245 originations. The 2nd most popular length was 15 Year, with 882 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 532 $153,870,000 $289,229

    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 532 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,191 $309,575,000 $259,929
    2.5-3% 722 $187,070,000 $259,100
    5-6% 335 $25,695,000 $76,701
    4-5% 197 $15,015,000 $76,218
    <2.5% 91 $21,135,000 $232,253
    6-7% 82 $6,150,000 $75,000
    Over 8% 29 $1,685,000 $58,103
    7-8% 17 $785,000 $46,176

    During 2020, American Airlines Federal Credit Union's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 1,191 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 875 $241,995,000 $276,566 $0 3.25%
    $100k-200k 787 $113,495,000 $144,212 $0 3.56%
    $100,000 or less 713 $40,705,000 $57,090 $0 4.92%
    $400k-600k 185 $88,145,000 $476,459 $0 3.21%
    $600k-1MM 89 $64,175,000 $721,067 $0 3.09%
    $1MM+ 15 $18,595,000 $1,239,667 $0 2.93%

    2020 saw American Airlines Federal Credit Union place emphasis on $200k-400k loans with 875 originations, totaling $241,995,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 695 $145,475,000 $209,317 $0 3.73%
    $150k-250k 552 $151,360,000 $274,203 $0 3.75%
    $50k-75k 497 $69,955,000 $140,755 $0 3.82%
    $75k-100k 423 $74,605,000 $176,371 $0 3.84%
    $250k+ 276 $104,080,000 $377,101 $0 3.63%
    $50k or less 216 $20,930,000 $96,898 $0 3.96%

    American Airlines Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 695 originations. The second most popular income band? $150k-250k, with 552 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 668 $141,420,000 $211,707 $0 3.64%
    30-36% 524 $117,700,000 $224,618 $0 3.72%
    <20% 274 $51,180,000 $186,788 $0 3.58%
    50-60% 136 $16,010,000 $117,721 $0 4.83%
    40% 89 $21,305,000 $239,382 $0 3.76%
    41% 89 $19,675,000 $221,067 $0 3.82%
    39% 88 $18,520,000 $210,455 $0 3.90%
    44% 87 $18,515,000 $212,816 $0 3.62%
    38% 86 $21,970,000 $255,465 $0 3.70%
    37% 84 $18,890,000 $224,881 $0 3.83%
    45% 75 $15,245,000 $203,267 $0 4.01%
    43% 74 $16,530,000 $223,378 $0 3.72%
    36% 71 $18,995,000 $267,535 $0 3.53%
    47% 67 $15,555,000 $232,164 $0 3.84%
    42% 64 $15,800,000 $246,875 $0 3.58%
    49% 61 $12,585,000 $206,311 $0 4.17%
    46% 57 $15,075,000 $264,474 $0 3.66%
    48% 56 $10,200,000 $182,143 $0 4.17%
    >60% 11 $1,445,000 $131,364 $0 4.26%

    American Airlines Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 668 originations. The next most common DTI ratio? 30-36%, with 524 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,784 $374,670,000 $210,017 $0 3.81%
    Not provided 542 $117,450,000 $216,697 $0 3.66%
    Black 164 $33,050,000 $201,524 $0 3.95%
    Asian 109 $24,865,000 $228,119 $0 3.55%
    Asian Indian 13 $6,025,000 $463,462 $0 3.06%
    American Indian 27 $4,185,000 $155,000 $0 3.96%
    Other Asian 5 $1,665,000 $333,000 $0 3.15%
    Other Pacific Islander 4 $1,120,000 $280,000 $0 3.16%
    Samoan 2 $1,060,000 $530,000 $0 3.56%
    Native Hawaiian or Islander 6 $890,000 $148,333 $0 4.58%
    Japanese 1 $615,000 $615,000 $0 3.75%
    Vietnamese 2 $540,000 $270,000 $0 3.25%
    Filipino 2 $390,000 $195,000 $0 2.81%
    Not applicable 2 $360,000 $180,000 $0 6.56%
    Chinese 1 $225,000 $225,000 $0 2.75%

    Approval Rates

    Total approvals of all applications
    82.48%

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

    Pick Rate

    Approvals leading to origination
    72.82%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,664 $567,110,000 $212,879

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $35,000 $35,000
    Single Family (1-4 Units):Site-Built 2,663 $567,075,000 $212,946

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 406 $48,630,000 $119,778 $0 4.43%
    40-60% 448 $96,050,000 $214,397 $0 3.30%
    60-80% 887 $258,415,000 $291,336 $0 3.21%
    80-100% 472 $137,520,000 $291,356 $0 3.27%
    Under 20% 449 $26,065,000 $58,051 $0 5.33%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    AMERICA FIRST FEDERAL CREDIT UNION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 66.7%
    AMERICA FIRST FEDERAL CREDIT UNION Conventional home mortgage Closing on a mortgage 1 33.3%