What loan types does Air Academy Federal Credit Union offer?

Air Academy Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Air Academy Federal Credit Union offer mortgages?

Air Academy Federal Credit Union offers mortgages in 14 states: AR, AZ, CA, CO, FL, IL, NC, NV, SD, TN, TX, VA, WI, WY.

How competitive are Air Academy Federal Credit Union's mortgage rates?

Air Academy Federal Credit Union has an overall pricing score of 80.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Air Academy Federal Credit Union?

Air Academy Federal Credit Union is a Credit Union headquartered in Colorado Springs, CO.

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Air Academy Federal Credit Union

Credit Union•Colorado Springs, COHQ•Direct•Reviews near you on Google

Air Academy Federal Credit Union has 84 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 2 mkts

Summary

What They Do Well

Offers rates 37.20 basis points below market average

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Air Academy Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 37.2 bps below market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Acceptable	72	85.7%	-0.362%Below	$2,203Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume72

Mix85.7%

Spread

-0.362%Below

Fees

$2,203Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	71	84.5%	-0.411%Below	$2,152Fees
Refinance	Acceptable	Acceptable	—	Acceptable	13	15.5%	-0.182%Below	$1,987Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume71

Mix84.5%

Spread

-0.411%Below

Fees

$2,152Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume13

Mix15.5%

Spread

-0.182%Below

Fees

$1,987Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

125

Volume

$41 million

Pricing & Closing

Avg Rate Spread

-0.372%

vs. market APOR

Avg Net Fees

$2,124

Origination − Credits

Pullthrough Rate

67.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$498,214

Avg Borrower Income

$186,060

Avg Property Value

$697,857

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest3

ILSDWI

South6

ARFLNCTNTXVA

West5

AZCACONVWY

Top Metro Areas by Place Specialization Score

Colorado Springs, COMetro

Volume 34Mix 40.48% of portfolio

64/100

Strong

Denver, COMetro

Volume 18Mix 21.43% of portfolio

52/100

Sound

Top States by Place Specialization Score

ColoradoState

Volume 65Mix 77.38% of portfolio

66/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.