American Airlines Federal Credit Union in California vs the state
26.1%Denial rate+8.64 pts vs state
29.4%Decision denial rate+6.97 pts vs state
54.9%Origination rate-1.27 pts vs state
7.44%Median rate+0.81 pts vs state
1.15Rate spread (pts)+0.88 pts vs state
$162kMedian applicant income
78Loans originated
37Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 214 | 113 | 38.3% | 6.13% | #333 |
| 2024 | 204 | 119 | 29.9% | 6.88% | #350 |
| 2025 | 142 | 78 | 26.1% | 7.44% | #399 |
What American Airlines Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 58 | 24 | 20 | 34.5% |
| Orange County | 13 | 9 | 3 | 23.1% |
| San Diego County | 12 | 9 | 3 | 25.0% |
| Riverside County | 10 | 7 | 0 | 0.0% |
| San Bernardino County | 7 | 4 | 1 | 14.3% |
| Contra Costa County | 6 | 3 | 0 | 0.0% |
| Sacramento County | 5 | 3 | 1 | 20.0% |
| Alameda County | 5 | 5 | 0 | 0.0% |
| Ventura County | 3 | 2 | 0 | 0.0% |
| San Mateo County | 3 | 1 | 2 | 66.7% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 142 applications in 2025, of which 78 were originated and 37 denied.
26.1% of all applications, or 29.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Airlines Federal Credit Union originated in California in 2025 was 7.44%, against a statewide median of 6.63%.
About this data. Figures are American Airlines Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology