American Airlines Federal Credit Union in Arizona vs the state
26.1%Denial rate+9.83 pts vs state
29.3%Decision denial rate+8.84 pts vs state
58.2%Origination rate-1.30 pts vs state
7.25%Median rate+0.75 pts vs state
0.93Rate spread (pts)+0.71 pts vs state
$125kMedian applicant income
96Loans originated
43Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 148 | 31.7% | 6.13% | #147 |
| 2024 | 202 | 119 | 28.7% | 6.75% | #161 |
| 2025 | 165 | 96 | 26.1% | 7.25% | #192 |
What American Airlines Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 131 | 79 | 33 | 25.2% |
| Pinal County | 14 | 7 | 3 | 21.4% |
| Pima County | 9 | 3 | 5 | 55.6% |
| Coconino County | 4 | 3 | 0 | 0.0% |
| Yuma County | 3 | 0 | 2 | 66.7% |
| Yavapai County | 1 | 1 | 0 | 0.0% |
| Navajo County | 1 | 1 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
| Cochise County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 165 applications in 2025, of which 96 were originated and 43 denied.
26.1% of all applications, or 29.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans American Airlines Federal Credit Union originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are American Airlines Federal Credit Union's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology