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 score and performance metrics.

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 an overall pricing score of 61.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is AOD Federal Credit Union?

AOD Federal Credit Union is a Credit Union headquartered in Oxford, AL.

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AOD Federal Credit Union

Credit Union•Oxford, ALHQ•Direct•Reviews near you on Google

AOD Federal Credit Union has 35 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Awards

Conventional

Superstar

Summary

What They Do Well

Offers rates 21.90 basis points below market average

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Report Card

AOD Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 21.9 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% 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

Regional · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Exceptional	35	100.0%	-0.219%Below	$2,125Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume35

Mix100.0%

Spread

-0.219%Below

Fees

$2,125Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Strong	20	57.1%	-0.348%Below	$2,326Fees
Refinance	Acceptable	Acceptable	—	—	15	42.9%	-0.090%Below	$1,924Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume20

Mix57.1%

Spread

-0.348%Below

Fees

$2,326Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume15

Mix42.9%

Spread

-0.090%Below

Fees

$1,924Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$5 million

Pricing & Closing

Avg Rate Spread

-0.219%

vs. market APOR

Avg Net Fees

$2,125

Origination − Credits

Pullthrough Rate

89.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$171,000

Avg Borrower Income

$118,314

Avg Property Value

$261,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South3

ALGATN

Top Metro Areas by Place Specialization Score

Anniston, ALMetro

Volume 19Mix 54.29% of portfolio

69/100

Strong

Top States by Place Specialization Score

AlabamaState

Volume 32Mix 91.43% of portfolio

62/100

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.