Purchase Originations
667
Ranked #519 nationally
Median Total Costs
$0
−100.0% vs national ($6,680)
↑ $0 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.500% vs prior year
Median Origination
$0
Median Lender Credits
$4,113
Cost Rank (500+ vol.)
#3
among lenders with 500+ originations
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 667 | 6.250% | $0 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 225 | 6.250% | $0 | #190 |
| Florida | 76 | 6.125% | $0 | #260 |
| Oklahoma | 74 | 6.438% | $0 | #82 |
| North Carolina | 46 | 6.125% | $0 | — |
| Illinois | 32 | 6.312% | $0 | — |
| New York | 27 | 6.000% | $0 | — |
| South Carolina | 19 | 6.125% | $0 | — |
| Arizona | 17 | 6.125% | $4,758 | — |
| California | 14 | 6.250% | $0 | — |
| Pennsylvania | 13 | 6.375% | $0 | — |
| Tennessee | 11 | 6.500% | $0 | — |
| Georgia | 10 | 6.438% | $2,644 | — |
| Massachusetts | 10 | 5.938% | $0 | — |
| Virginia | 10 | 6.125% | $3,318 | — |
| New Jersey | 8 | 6.250% | $1,780 | — |
| Colorado | 7 | 6.250% | $0 | — |
| Missouri | 7 | 6.125% | $0 | — |
| Maryland | 6 | 6.062% | $6,708 | — |
| Arkansas | 5 | 6.250% | $2,514 | — |
| Ohio | 5 | 6.750% | $3,818 | — |
| Wisconsin | 5 | 6.125% | $2,883 | — |
| New Hampshire | 4 | 6.125% | $1,660 | — |
| Nevada | 4 | 6.250% | $4,849 | — |
| Indiana | 3 | 6.375% | $0 | — |
| Michigan | 3 | 6.125% | $0 | — |
| Mississippi | 3 | 6.125% | $0 | — |
| Washington | 3 | 5.750% | $8,218 | — |
| Alaska | 2 | 6.375% | $1,532 | — |
| Louisiana | 2 | 5.938% | $2,318 | — |
| Minnesota | 2 | 5.812% | $2,481 | — |
| Utah | 2 | 6.438% | $1,748 | — |
| Alabama | 1 | 6.750% | $4,138 | — |
| Connecticut | 1 | 6.500% | $4,767 | — |
| Delaware | 1 | 5.875% | $12,299 | — |
| Iowa | 1 | 6.250% | $0 | — |
| Idaho | 1 | 6.500% | $0 | — |
| Kansas | 1 | 6.625% | $0 | — |
| Kentucky | 1 | 6.125% | $5,500 | — |
| Montana | 1 | 6.125% | $4,422 | — |
| New Mexico | 1 | 6.125% | $3,103 | — |
| Rhode Island | 1 | 6.500% | $0 | — |
| Vermont | 1 | 6.500% | $3,967 | — |
| West Virginia | 1 | 5.875% | $0 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.375% | — | 100 | +$0 | |
| 2 | $0 | 6.375% | — | 39 | +$0 | |
| 3 | $0 | 6.312% | — | 30 | +$0 | |
| 4 | $0 | 6.375% | — | 23 | +$0 | |
| 5 | $0 | 6.375% | — | 19 | +$0 | |
| 6 | $0 | 6.188% | — | 14 | +$0 | |
| 7 | $0 | 6.188% | — | 14 | +$0 | |
| 8 | $0 | 6.125% | — | 12 | +$0 | |
| 9 | $0 | 5.938% | — | 10 | +$0 | |
| 10 | $0 | 6.500% | — | 7 | +$0 | |
| 11 | $0 | 6.500% | — | 6 | +$0 | |
| 12 | $0 | 6.125% | — | 5 | +$0 | |
| 13 | $0 | 6.250% | — | 5 | +$0 | |
| 14 | $1,685 | 6.188% | — | 12 | +$1,685 | |
| 15 | $2,690 | 6.125% | — | 39 | +$2,690 | |
| 16 | $3,675 | 6.125% | — | 6 | +$3,675 | |
| 17 | $4,031 | 5.875% | — | 8 | +$4,031 | |
| 18 | $4,690 | 6.062% | — | 14 | +$4,690 | |
| 19 | $7,230 | 5.938% | — | 6 | +$7,230 | |
| 20 | $7,348 | 5.812% | — | 6 | +$7,348 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | American Airlines Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $0 | $7,127 | −$7,127 (−100.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.