# American Airlines Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/american-airlines-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


American Airlines Federal Credit Union is a credit union, headquartered in Fort Worth, TX, serving borrowers nationwide, with 781 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004RLLKTQS8K7U51
- **Headquarters:** Fort Worth, TX
- **Geographic Reach:** National
- **States Served:** 42
- **State List:** AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.383%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $0
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 781
- **Dollar Volume:** $324 million
- **Applications Received:** 1,197
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $414,270
- **Average Borrower Income:** $190,740
- **Average Property Value:** $562,567

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 733 | -0.353% | $0 | Sound ☺️ |
| Jumbo | 70/100 | 48 | -0.759% | $0 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 656 loans, Score: 59/100 (Sound)
- Refinance: 77 loans, Score: 58/100 (Sound)

**Jumbo:**
- Purchase: 41 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 697 | $295M | -0.379% | Sound ☺️ |
| Refinance | 55/100 | 84 | $29M | -0.406% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 283 | 0.08% | 70/100 |
| FL | 93 | 0.03% | 57/100 |
| OK | 69 | 0.17% | 61/100 |
| NC | 45 | 0.03% | 52/100 |
| IL | 41 | 0.03% | 52/100 |
| NY | 30 | 0.03% | 49/100 |
| AZ | 26 | 0.03% | 48/100 |
| CA | 26 | 0.01% | 44/100 |
| PA | 20 | 0.02% | 44/100 |
| SC | 13 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Worth | TX | 139 | 75/100 |
| Dallas | TX | 104 | 66/100 |
| Tulsa, OK | OK | 62 | 63/100 |
| Non |  | 58 | 43/100 |
| Chicago | IL | 37 | 53/100 |
| Charlotte | NC-SC | 29 | 53/100 |
| Miami | FL | 27 | 52/100 |
| Phoenix | AZ | 19 | 45/100 |
| Fort Lauderdale | FL | 18 | 48/100 |
| Nassau County | NY | 14 | 45/100 |
| New York | NY-NJ | 14 | 43/100 |
| West Palm Beach | FL | 11 | 42/100 |

## Where This Lender Ranks

American Airlines Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Fort Worth for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Fort Worth for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Tulsa, OK Credit Unions
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Tulsa, OK for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Fort Worth for Jumbo Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Tulsa, OK
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders)
- 🏆 **#15** in Fort Worth
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders)
- 🏆 **#18** in Tulsa, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does American Airlines Federal Credit Union offer?

American Airlines Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American Airlines Federal Credit Union offer mortgages?

American Airlines Federal Credit Union is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are American Airlines Federal Credit Union's mortgage rates?

American Airlines Federal Credit Union has a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.383% below market average.

### What type of lender is American Airlines Federal Credit Union?

American Airlines Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fort Worth, TX.

### What is American Airlines Federal Credit Union's loan approval success rate?

American Airlines Federal Credit Union has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-airlines-federal-credit-union

### How to Cite

> "American Airlines Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-airlines-federal-credit-union

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