American Airlines Federal Credit Union in Massachusetts vs the state
31.7%Denial rate+15.50 pts vs state
35.6%Decision denial rate+15.67 pts vs state
51.2%Origination rate-11.38 pts vs state
7.06%Median rate+0.44 pts vs state
0.68Rate spread (pts)+0.59 pts vs state
$133kMedian applicant income
42Loans originated
26Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 59 | 31.8% | 6.13% | #217 |
| 2024 | 104 | 48 | 40.4% | 6.88% | #224 |
| 2025 | 82 | 42 | 31.7% | 7.06% | #269 |
What American Airlines Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 29 | 16 | 9 | 31.0% |
| Suffolk County | 15 | 8 | 6 | 40.0% |
| Middlesex County | 12 | 5 | 4 | 33.3% |
| Plymouth County | 8 | 5 | 3 | 37.5% |
| Norfolk County | 7 | 3 | 1 | 14.3% |
| Bristol County | 5 | 3 | 1 | 20.0% |
| Worcester County | 3 | 1 | 1 | 33.3% |
| Hampden County | 2 | 1 | 0 | 0.0% |
| Barnstable County | 1 | 0 | 1 | 100.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 82 applications in 2025, of which 42 were originated and 26 denied.
31.7% of all applications, or 35.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans American Airlines Federal Credit Union originated in Massachusetts in 2025 was 7.06%, 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology