American Airlines Federal Credit Union in New York vs the state
37.4%Denial rate+17.61 pts vs state
41.2%Decision denial rate+17.17 pts vs state
42.9%Origination rate-16.73 pts vs state
7.00%Median rate+0.38 pts vs state
0.71Rate spread (pts)+0.50 pts vs state
$124kMedian applicant income
78Loans originated
68Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 75 | 53.2% | 6.13% | #196 |
| 2024 | 217 | 103 | 41.9% | 6.88% | #196 |
| 2025 | 182 | 78 | 37.4% | 7.00% | #216 |
What American Airlines Federal Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 60 | 28 | 25 | 41.7% |
| Nassau County | 42 | 20 | 13 | 31.0% |
| Kings County | 24 | 4 | 10 | 41.7% |
| Suffolk County | 18 | 8 | 7 | 38.9% |
| Erie County | 6 | 4 | 2 | 33.3% |
| Richmond County | 4 | 2 | 2 | 50.0% |
| Westchester County | 3 | 2 | 1 | 33.3% |
| Putnam County | 3 | 2 | 1 | 33.3% |
| New York County | 3 | 1 | 0 | 0.0% |
| Orange County | 3 | 1 | 1 | 33.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 182 applications in 2025, of which 78 were originated and 68 denied.
37.4% of all applications, or 41.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans American Airlines Federal Credit Union originated in New York in 2025 was 7.00%, 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology