American Airlines Federal Credit Union in New Jersey vs the state
43.1%Denial rate+25.40 pts vs state
47.3%Decision denial rate+24.27 pts vs state
41.5%Origination rate-14.22 pts vs state
7.75%Median rate+1.00 pts vs state
1.78Rate spread (pts)+1.50 pts vs state
$139kMedian applicant income
51Loans originated
53Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 61 | 40.2% | 6.38% | #228 |
| 2024 | 130 | 71 | 36.2% | 7.13% | #233 |
| 2025 | 123 | 51 | 43.1% | 7.75% | #246 |
What American Airlines Federal Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 22 | 9 | 9 | 40.9% |
| Essex County | 17 | 5 | 7 | 41.2% |
| Bergen County | 17 | 7 | 8 | 47.1% |
| Middlesex County | 13 | 7 | 3 | 23.1% |
| Morris County | 9 | 3 | 5 | 55.6% |
| Camden County | 6 | 3 | 3 | 50.0% |
| Passaic County | 6 | 2 | 4 | 66.7% |
| Hudson County | 6 | 2 | 2 | 33.3% |
| Gloucester County | 4 | 2 | 2 | 50.0% |
| Hunterdon County | 4 | 2 | 1 | 25.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 123 applications in 2025, of which 51 were originated and 53 denied.
43.1% of all applications, or 47.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans American Airlines Federal Credit Union originated in New Jersey in 2025 was 7.75%, 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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology