American Airlines Federal Credit Union in Illinois vs the state
28.2%Denial rate+11.07 pts vs state
30.5%Decision denial rate+8.78 pts vs state
55.3%Origination rate-3.42 pts vs state
7.06%Median rate+0.31 pts vs state
0.75Rate spread (pts)+0.36 pts vs state
$119kMedian applicant income
104Loans originated
53Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 123 | 32.3% | 6.13% | #206 |
| 2024 | 214 | 120 | 27.6% | 6.75% | #218 |
| 2025 | 188 | 104 | 28.2% | 7.06% | #255 |
What American Airlines Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 99 | 46 | 32 | 32.3% |
| DuPage County | 22 | 18 | 3 | 13.6% |
| Kane County | 21 | 14 | 4 | 19.0% |
| Lake County | 12 | 8 | 1 | 8.3% |
| Will County | 10 | 5 | 4 | 40.0% |
| McHenry County | 10 | 8 | 2 | 20.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| St. Clair County | 2 | 1 | 0 | 0.0% |
| Boone County | 2 | 0 | 2 | 100.0% |
| Stephenson County | 1 | 0 | 1 | 100.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 188 applications in 2025, of which 104 were originated and 53 denied.
28.2% of all applications, or 30.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Airlines Federal Credit Union originated in Illinois in 2025 was 7.06%, against a statewide median of 6.75%.
About this data. Figures are American Airlines Federal Credit Union's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology