# AOD Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/aod-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


AOD Federal Credit Union is a credit union, headquartered in Oxford, AL, serving borrowers across 3 states, with 35 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900N59TICVY7K7T48
- **Headquarters:** Oxford, AL
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AL, GA, TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.219%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,125
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 35
- **Dollar Volume:** $6 million
- **Applications Received:** 39
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $171,000
- **Average Borrower Income:** $118,314
- **Average Property Value:** $261,000

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 35 | -0.219% | $2,125 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 20 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 20 | $3M | -0.348% | Acceptable 🙂 |
| Refinance | 26/100 | 15 | $3M | -0.090% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 32 | 0.05% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Anniston | AL | 19 | 69/100 |

## Where This Lender Ranks

AOD Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Anniston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Anniston for Conventional Loans
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does AOD Federal Credit Union offer?

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

### Where does AOD Federal Credit Union offer mortgages?

AOD Federal Credit Union offers mortgages in 3 states: AL, GA, TN.

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

AOD Federal Credit Union has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.219% below market average.

### What type of lender is AOD Federal Credit Union?

AOD Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oxford, AL.

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

AOD Federal Credit Union has a pull-through score of 42/100 (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/aod-federal-credit-union

### How to Cite

> "AOD Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/aod-federal-credit-union

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