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 and Cash Out 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 257 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

    3,067

    Origination Dollar Volume (All Markets)

    $652,685,000

    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) 886 $207,100,000 $233,747 $0 4.52%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 291 $54,685,000 $187,921 $0 4.87%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 161 $29,745,000 $184,752 $0 5.00%
    TULSA, OK (FHA|USDA|VA) 230 $29,060,000 $126,348 $0 4.94%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 122 $27,680,000 $226,885 $0 4.72%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 129 $24,805,000 $192,287 $0 4.52%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 110 $19,050,000 $173,182 $0 5.08%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 59 $18,975,000 $321,610 $0 4.68%
    Outside of Metro Areas 50 $10,260,000 $205,200 $0 4.81%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 41 $9,385,000 $228,902 $0 4.56%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 35 $8,675,000 $247,857 $0 4.71%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 28 $7,930,000 $283,214 $0 3.91%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 25 $7,505,000 $300,200 $0 4.76%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 43 $7,385,000 $171,744 $0 4.35%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 25 $6,755,000 $270,200 $0 4.31%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 27 $6,095,000 $225,741 $0 4.90%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $5,795,000 $340,882 $0 4.40%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $5,405,000 $216,200 $0 5.03%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 28 $5,320,000 $190,000 $0 4.66%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $4,705,000 $427,727 $0 4.09%
    RALEIGH-CARY, NC (FHA|USDA|VA) 28 $4,560,000 $162,857 $0 4.75%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 25 $4,525,000 $181,000 $0 4.75%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 18 $4,520,000 $251,111 $0 4.61%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $4,420,000 $276,250 $0 4.42%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 13 $3,675,000 $282,692 $0 4.83%
    Granbury, TX (FHA|USDA|VA) 15 $3,585,000 $239,000 $0 4.41%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $3,110,000 $311,000 $0 4.46%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 8 $2,900,000 $362,500 $0 4.64%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 11 $2,565,000 $233,182 $0 4.36%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 18 $2,480,000 $137,778 $0 4.71%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,275,000 $325,000 $0 4.41%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $2,250,000 $1,125,000 $0 2.88%
    RENO, NV (FHA|USDA|VA) 10 $2,230,000 $223,000 $0 5.34%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,130,000 $213,000 $0 4.97%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 10 $2,050,000 $205,000 $0 5.05%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 10 $2,020,000 $202,000 $0 4.16%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $1,995,000 $285,000 $0 4.23%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $1,990,000 $331,667 $0 4.02%
    SALT LAKE CITY, UT (FHA|USDA|VA) 5 $1,925,000 $385,000 $0 4.42%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $1,920,000 $160,000 $0 5.16%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $1,890,000 $945,000 $0 4.06%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 7 $1,695,000 $242,143 $0 5.27%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,600,000 $266,667 $0 4.41%
    WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,540,000 $192,500 $0 5.31%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $1,510,000 $251,667 $0 4.85%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $1,470,000 $183,750 $0 4.36%
    TUCSON, AZ (FHA|USDA|VA) 10 $1,440,000 $144,000 $0 4.76%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $1,375,000 $275,000 $0 4.05%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,370,000 $342,500 $0 5.12%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,280,000 $213,333 $0 3.81%
    BATON ROUGE, LA (FHA|USDA|VA) 7 $1,245,000 $177,857 $0 5.33%
    SAVANNAH, GA (FHA|USDA|VA) 8 $1,240,000 $155,000 $0 5.56%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 3.13%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $1,175,000 $391,667 $0 3.54%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $1,170,000 $195,000 $0 4.54%
    LOUISVILLE, KY (FHA|USDA|VA) 3 $1,165,000 $388,333 $0 3.42%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $1,155,000 $385,000 $0 4.33%
    RICHMOND, VA (FHA|USDA|VA) 3 $1,135,000 $378,333 $0 4.00%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,095,000 $219,000 $0 5.30%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $1,085,000 $155,000 $0 4.87%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $1,080,000 $270,000 $0 4.59%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,030,000 $257,500 $0 5.37%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 4.46%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,020,000 $170,000 $0 4.04%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,020,000 $170,000 $0 4.10%
    Heber, UT (FHA|USDA|VA) 3 $1,015,000 $338,333 $0 4.49%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $0 4.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $1,010,000 $252,500 $0 3.90%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $990,000 $247,500 $0 3.87%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $970,000 $485,000 $0 4.56%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $945,000 $189,000 $0 4.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $930,000 $465,000 $0 4.81%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $885,000 $177,000 $0 4.85%
    PITTSBURGH, PA (FHA|USDA|VA) 8 $850,000 $106,250 $0 4.93%
    ALBUQUERQUE, NM (FHA|USDA|VA) 4 $840,000 $210,000 $0 3.44%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $830,000 $207,500 $0 4.28%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $775,000 $155,000 $0 5.04%
    JACKSONVILLE, FL (FHA|USDA|VA) 5 $765,000 $153,000 $0 4.37%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $760,000 $380,000 $0 4.31%
    Taos, NM (FHA|USDA|VA) 2 $760,000 $380,000 $0 3.56%
    Athens, TX (FHA|USDA|VA) 2 $760,000 $380,000 $0 4.13%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $740,000 $370,000 $0 3.93%
    Traverse City, MI (FHA|USDA|VA) 2 $720,000 $360,000 $0 5.13%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $715,000 $238,333 $0 3.83%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $715,000 $102,143 $0 4.39%
    WILMINGTON, NC (FHA|USDA|VA) 6 $710,000 $118,333 $0 5.77%
    VALLEJO, CA (FHA|USDA|VA) 2 $710,000 $355,000 $0 4.87%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $700,000 $175,000 $0 5.18%
    Edwards, CO (FHA|USDA|VA) 1 $685,000 $685,000 $0 4.25%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $670,000 $167,500 $0 4.27%
    Shelby, NC (FHA|USDA|VA) 2 $670,000 $335,000 $0 5.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 4 $670,000 $167,500 $0 4.31%
    Gainesville, TX (FHA|USDA|VA) 2 $650,000 $325,000 $0 3.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $645,000 $645,000 $0 5.00%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $630,000 $315,000 $0 4.75%
    Key West, FL (FHA|USDA|VA) 3 $625,000 $208,333 $0 4.58%
    COLUMBUS, OH (FHA|USDA|VA) 3 $625,000 $208,333 $0 4.96%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $625,000 $208,333 $0 3.42%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $610,000 $305,000 $0 4.44%
    Oxford, MS (FHA|USDA|VA) 2 $610,000 $305,000 $0 5.18%
    BURLINGTON, NC (FHA|USDA|VA) 1 $605,000 $605,000 $0 3.25%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $580,000 $290,000 $0 4.81%
    Newport, OR (FHA|USDA|VA) 2 $580,000 $290,000 $0 3.31%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $575,000 $191,667 $0 3.87%
    Duncan, OK (FHA|USDA|VA) 2 $570,000 $285,000 $0 3.44%
    Bozeman, MT (FHA|USDA|VA) 1 $565,000 $565,000 $0 5.00%
    BOULDER, CO (FHA|USDA|VA) 3 $555,000 $185,000 $0 5.04%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $550,000 $275,000 $0 3.50%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $550,000 $275,000 $0 6.12%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $545,000 $545,000 $0 4.38%
    LANCASTER, PA (FHA|USDA|VA) 2 $530,000 $265,000 $0 3.38%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $530,000 $265,000 $0 4.25%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $515,000 $171,667 $0 4.04%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $510,000 $255,000 $0 4.31%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.00%
    TYLER, TX (FHA|USDA|VA) 2 $490,000 $245,000 $0 5.12%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $480,000 $240,000 $0 4.81%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $470,000 $235,000 $0 3.75%
    WICHITA, KS (FHA|USDA|VA) 4 $460,000 $115,000 $0 3.81%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $460,000 $230,000 $0 5.12%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $455,000 $455,000 $0 2.38%
    EL PASO, TX (FHA|USDA|VA) 3 $455,000 $151,667 $0 4.87%
    SPRINGFIELD, MA (FHA|USDA|VA) 3 $445,000 $148,333 $0 4.87%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $440,000 $220,000 $0 4.18%
    Hilo, HI (FHA|USDA|VA) 4 $440,000 $110,000 $0 5.62%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $435,000 $145,000 $0 4.37%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $420,000 $210,000 $0 3.50%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $415,000 $138,333 $0 5.33%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $415,000 $138,333 $0 4.83%
    AKRON, OH (FHA|USDA|VA) 2 $410,000 $205,000 $0 4.50%
    Greensburg, IN (FHA|USDA|VA) 2 $410,000 $205,000 $0 3.56%
    ANCHORAGE, AK (FHA|USDA|VA) 2 $410,000 $205,000 $0 4.44%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.38%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.38%
    Torrington, CT (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.69%
    SYRACUSE, NY (FHA|USDA|VA) 4 $390,000 $97,500 $0 3.53%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $380,000 $95,000 $0 6.27%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $380,000 $190,000 $0 4.18%
    Marquette, MI (FHA|USDA|VA) 3 $375,000 $125,000 $0 3.79%
    Ruidoso, NM (FHA|USDA|VA) 1 $375,000 $375,000 $0 5.13%
    LONGVIEW, WA (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.38%
    COLUMBIA, MO (FHA|USDA|VA) 1 $365,000 $365,000 $0 5.63%
    Boone, NC (FHA|USDA|VA) 2 $360,000 $180,000 $0 4.87%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $355,000 $118,333 $0 4.83%
    DOVER, DE (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.00%
    Hutchinson, MN (FHA|USDA|VA) 1 $355,000 $355,000 $0 2.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.18%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $350,000 $175,000 $0 3.43%
    West Plains, MO (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $340,000 $85,000 $0 5.31%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $340,000 $170,000 $0 4.69%
    LINCOLN, NE (FHA|USDA|VA) 1 $325,000 $325,000 $0 3.63%
    AMARILLO, TX (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.88%
    Concord, NH (FHA|USDA|VA) 1 $325,000 $325,000 $0 3.25%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $320,000 $160,000 $0 4.68%
    Tahlequah, OK (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.50%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $310,000 $155,000 $0 3.93%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.38%
    Ottawa, IL (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.88%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.75%
    Fredericksburg, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.25%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $295,000 $295,000 $0 4.38%
    FRESNO, CA (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.94%
    Rolla, MO (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.63%
    BOISE CITY, ID (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.75%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $280,000 $70,000 $0 5.18%
    STOCKTON, CA (FHA|USDA|VA) 2 $280,000 $140,000 $0 4.18%
    ROCKFORD, IL (FHA|USDA|VA) 3 $275,000 $91,667 $0 5.04%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.63%
    LOGAN, UT-ID (FHA|USDA|VA) 3 $265,000 $88,333 $0 5.24%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.99%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $250,000 $125,000 $0 6.06%
    Salem, OH (FHA|USDA|VA) 1 $245,000 $245,000 $0 2.63%
    Paragould, AR (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.99%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.49%
    Woodward, OK (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.13%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.88%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.13%
    BANGOR, ME (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.13%
    Branson, MO (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.00%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.50%
    WACO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.63%
    Morehead City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.25%
    NEW BERN, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.13%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.13%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.50%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.74%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $200,000 $100,000 $0 7.74%
    JACKSON, MS (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.25%
    Harrison, AR (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.38%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.38%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.00%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.62%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.13%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.13%
    Marinette, WI-MI (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.00%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.13%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.99%
    MEDFORD, OR (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.49%
    Bartlesville, OK (FHA|USDA|VA) 2 $150,000 $75,000 $0 4.75%
    ABILENE, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.13%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.63%
    DOTHAN, AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.75%
    VISALIA, CA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.74%
    Muskogee, OK (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.50%
    ROCHESTER, NY (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.88%
    Laconia, NH (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.74%
    YUMA, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.37%
    Ruston, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.74%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
    Forest City, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
    PUEBLO, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.24%
    Show Low, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.24%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.24%
    Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.24%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.24%
    LUBBOCK, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.24%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.25%
    SANTA FE, NM (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.43%
    PEORIA, IL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.13%
    MOBILE, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.12%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.49%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.24%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 2.38%
    Durango, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.24%
    MADISON, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.99%
    BEND, OR (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.49%
    GREELEY, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.24%
    Freeport, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.38%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.63%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.24%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
    READING, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.74%
    Stephenville, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.49%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.24%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.74%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.38%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.74%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.49%
    JOPLIN, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.24%
    Georgetown, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.74%
    YUBA CITY, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.24%
    COLUMBIA, SC (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.74%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.74%
    Athens, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.74%
    Mineral Wells, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.24%
    MONROE, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.49%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.99%
    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)
  • Oklahoma (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,561 $160,515,000 $102,828 n/a 5.56%
    Conventional 1,506 $492,170,000 $326,806 $0 3.75%

    For 2022, American Airlines Federal Credit Union's most frequently originated type of loan was HELOC, with 1,561 originations. Their 2nd most popular type was Conventional, with 1,506 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,072 $112,340,000 $104,795 $0 5.44%
    Home Purchase 944 $318,500,000 $337,394 $0 4.19%
    Cash Out Refi 471 $134,975,000 $286,571 $0 3.46%
    Other 411 $49,995,000 $121,642 $0 5.50%
    Refi 169 $36,875,000 $218,195 $0 3.84%

    For 2022, American Airlines Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 1,072 originations. The 2nd most popular reason was Home Purchase, with 944 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,189 $417,775,000 $351,367 $0 3.92%
    15 Year 1,068 $154,800,000 $144,944 $0 5.05%
    10 Year 809 $80,035,000 $98,931 $0 5.28%
    Other 1 $75,000 $75,000 $0 2.50%

    For 2022, American Airlines Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,189 originations. The 2nd most popular length was 15 Year, with 1,068 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 964 $131,330,000 $136,234
    4-5% 843 $182,615,000 $216,625
    3-4% 624 $196,000,000 $314,103
    2.5-3% 219 $73,725,000 $336,644
    <2.5% 161 $46,175,000 $286,801
    6-7% 125 $14,285,000 $114,280
    Over 8% 94 $6,150,000 $65,426
    7-8% 37 $2,405,000 $65,000

    During 2022, American Airlines Federal Credit Union's average interest rate for loans was 3.92%, while their most frequently originated rate bucket for loans was 5-6%, with 964 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 978 $58,020,000 $59,325 $0 5.55%
    $200k-400k 899 $254,345,000 $282,920 $0 4.09%
    $100k-200k 799 $110,275,000 $138,016 $0 4.64%
    $400k-600k 259 $123,455,000 $476,660 $0 3.88%
    $600k-1MM 112 $81,400,000 $726,786 $0 3.94%
    $1MM+ 20 $25,190,000 $1,259,500 $0 3.13%

    2022 saw American Airlines Federal Credit Union place emphasis on $100,000 or less loans with 978 originations, totaling $58,020,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 847 $169,055,000 $199,593 $0 4.74%
    $150k-250k 702 $182,900,000 $260,541 $0 4.70%
    $50k-75k 487 $71,015,000 $145,821 $0 4.60%
    $75k-100k 483 $84,975,000 $175,932 $0 4.68%
    $250k+ 342 $118,450,000 $346,345 $0 4.58%
    $50k or less 204 $25,980,000 $127,353 $0 4.57%

    American Airlines Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 847 originations. The second most popular income band? $150k-250k, with 702 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 649 $141,605,000 $218,190 $0 4.49%
    30-36% 543 $120,035,000 $221,059 $0 4.64%
    50-60% 298 $41,950,000 $140,772 $0 5.24%
    <20% 232 $40,080,000 $172,759 $0 4.33%
    38% 121 $31,355,000 $259,132 $0 4.75%
    41% 111 $30,705,000 $276,622 $0 4.56%
    40% 106 $25,180,000 $237,547 $0 4.90%
    37% 105 $23,315,000 $222,048 $0 4.51%
    42% 103 $24,105,000 $234,029 $0 4.91%
    49% 97 $20,405,000 $210,361 $0 4.73%
    43% 96 $19,750,000 $205,729 $0 4.65%
    39% 94 $20,950,000 $222,872 $0 4.80%
    45% 91 $22,755,000 $250,055 $0 4.66%
    36% 89 $18,775,000 $210,955 $0 4.38%
    44% 83 $18,985,000 $228,735 $0 4.62%
    48% 82 $14,670,000 $178,902 $0 4.80%
    46% 79 $18,005,000 $227,911 $0 4.64%
    47% 72 $15,650,000 $217,361 $0 4.88%
    >60% 15 $4,205,000 $280,333 $0 5.05%

    American Airlines Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 649 originations. The next most common DTI ratio? 30-36%, with 543 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,900 $411,370,000 $216,511 $0 4.63%
    Not provided 709 $133,825,000 $188,752 $0 4.78%
    Black 237 $47,175,000 $199,051 $0 4.86%
    Asian 120 $37,150,000 $309,583 $0 4.39%
    American Indian 55 $10,275,000 $186,818 $0 4.73%
    Asian Indian 22 $7,810,000 $355,000 $0 4.22%
    Japanese 4 $1,380,000 $345,000 $0 3.47%
    Native Hawaiian or Islander 7 $1,205,000 $172,143 $0 4.50%
    Other Asian 5 $945,000 $189,000 $0 4.77%
    Filipino 2 $580,000 $290,000 $0 5.37%
    Other Pacific Islander 2 $420,000 $210,000 $0 4.00%
    Korean 2 $340,000 $170,000 $0 3.00%
    Chinese 1 $165,000 $165,000 $0 6.13%
    Guamanian 1 $45,000 $45,000 $0 7.49%

    Approval Rates

    Total approvals of all applications
    77.77%

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

    Pick Rate

    Approvals leading to origination
    76.30%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,067 $652,685,000 $212,809

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,067 $652,685,000 $212,809

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 654 $93,690,000 $143,257 $0 5.03%
    40-60% 386 $100,590,000 $260,596 $0 3.98%
    60-80% 622 $210,640,000 $338,650 $0 3.84%
    80-100% 461 $172,575,000 $374,349 $0 4.09%
    Under 20% 944 $75,190,000 $79,650 $0 5.54%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    American Financial Network Inc. FHA mortgage Trouble during payment process 1 100.0%