American Airlines Federal Credit Union in Oklahoma vs the state
16.9%Denial rate-1.02 pts vs state
19.2%Decision denial rate-3.67 pts vs state
65.1%Origination rate+9.04 pts vs state
6.88%Median rate+0.25 pts vs state
0.49Rate spread (pts)+0.14 pts vs state
$107kMedian applicant income
185Loans originated
48Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 288 | 220 | 13.5% | 6.25% | #87 |
| 2024 | 312 | 226 | 16.0% | 6.88% | #84 |
| 2025 | 284 | 185 | 16.9% | 6.88% | #101 |
What American Airlines Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 153 | 96 | 35 | 22.9% |
| Rogers County | 58 | 36 | 6 | 10.3% |
| Wagoner County | 19 | 15 | 0 | 0.0% |
| Creek County | 9 | 6 | 1 | 11.1% |
| Cleveland County | 7 | 5 | 0 | 0.0% |
| Osage County | 7 | 6 | 1 | 14.3% |
| Oklahoma County | 6 | 4 | 1 | 16.7% |
| Cherokee County | 3 | 3 | 0 | 0.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Delaware County | 3 | 2 | 1 | 33.3% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 284 applications in 2025, of which 185 were originated and 48 denied.
16.9% of all applications, or 19.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans American Airlines Federal Credit Union originated in Oklahoma in 2025 was 6.88%, 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 Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology