American Airlines Federal Credit Union in North Carolina vs the state
31.7%Denial rate+13.61 pts vs state
35.0%Decision denial rate+12.20 pts vs state
52.9%Origination rate-4.89 pts vs state
7.00%Median rate+0.50 pts vs state
0.60Rate spread (pts)+0.51 pts vs state
$120kMedian applicant income
127Loans originated
76Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 149 | 28.7% | 6.13% | #176 |
| 2024 | 259 | 143 | 28.6% | 6.75% | #196 |
| 2025 | 240 | 127 | 31.7% | 7.00% | #214 |
What American Airlines Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 52 | 23 | 23 | 44.2% |
| Wake County | 35 | 21 | 9 | 25.7% |
| Cabarrus County | 16 | 10 | 4 | 25.0% |
| Gaston County | 15 | 7 | 6 | 40.0% |
| Union County | 15 | 12 | 1 | 6.7% |
| Lincoln County | 9 | 6 | 2 | 22.2% |
| Forsyth County | 8 | 2 | 6 | 75.0% |
| Guilford County | 7 | 4 | 2 | 28.6% |
| Iredell County | 7 | 1 | 3 | 42.9% |
| Catawba County | 7 | 4 | 1 | 14.3% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 240 applications in 2025, of which 127 were originated and 76 denied.
31.7% of all applications, or 35.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans American Airlines Federal Credit Union originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are American Airlines Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology