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American Airlines Federal Credit Union
Credit Union|Fort Worth, TX|National
Loans Originated
781
Applications
1,197
Volume
$323 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.383%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$0
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 38.30 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
American Airlines Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 12 metro areas · 42 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$414,270
Average Borrower Income
$190,740
Average Property Value
$562,567
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 733 | 93.9% | -0.353% | $0 |
Jumbo Loans | Strong | Strong | N/A | Strong | 48 | 6.1% | -0.759% | $0 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Exceptional | Acceptable | 697 | 89.2% | -0.379% | $0 |
Refinance | Strong | Sound | Exceptional | Sound | 84 | 10.8% | -0.406% | $0 |
Geographic Coverage
Metro Areas
11
States Served
42
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Fort Worth, TXMSA
Volume: 139Mix: 17.80%
Place Specialization
Strong
2
Dallas, TXMSA
Volume: 104Mix: 13.32%
Place Specialization
Strong
3
Tulsa, OK, OKMSA
Volume: 62Mix: 7.94%
Place Specialization
Strong
4
Chicago, ILMSA
Volume: 37Mix: 4.74%
Place Specialization
Sound
5
Charlotte, NC-SCMSA
Volume: 29Mix: 3.71%
Place Specialization
Sound
6
Miami, FLMSA
Volume: 27Mix: 3.46%
Place Specialization
Sound
7
Fort Lauderdale, FLMSA
Volume: 18Mix: 2.30%
Place Specialization
Sound
8
Phoenix, AZMSA
Volume: 19Mix: 2.43%
Place Specialization
Sound
9
Nassau County, NYMSA
Volume: 14Mix: 1.79%
Place Specialization
Sound
10
New York, NY-NJMSA
Volume: 14Mix: 1.79%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 283Mix: 36.24%
Place Specialization
Strong
2
OKState
Volume: 69Mix: 8.83%
Place Specialization
Strong
3
FLState
Volume: 93Mix: 11.91%
Place Specialization
Sound
4
ILState
Volume: 41Mix: 5.25%
Place Specialization
Sound
5
NCState
Volume: 45Mix: 5.76%
Place Specialization
Sound
6
NYState
Volume: 30Mix: 3.84%
Place Specialization
Sound
7
AZState
Volume: 26Mix: 3.33%
Place Specialization
Sound
8
CAState
Volume: 26Mix: 3.33%
Place Specialization
Sound
9
PAState
Volume: 20Mix: 2.56%
Place Specialization
Sound
10
SCState
Volume: 13Mix: 1.66%
Place Specialization
Sound
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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