American Airlines Federal Credit Union in Pennsylvania vs the state
24.1%Denial rate+5.76 pts vs state
27.5%Decision denial rate+5.33 pts vs state
50.6%Origination rate-10.33 pts vs state
7.25%Median rate+0.63 pts vs state
0.85Rate spread (pts)+0.61 pts vs state
$113kMedian applicant income
40Loans originated
19Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 39 | 42.4% | 6.25% | #390 |
| 2024 | 90 | 51 | 34.4% | 6.50% | #391 |
| 2025 | 79 | 40 | 24.1% | 7.25% | #411 |
What American Airlines Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 18 | 7 | 6 | 33.3% |
| Delaware County | 12 | 7 | 3 | 25.0% |
| Bucks County | 7 | 3 | 1 | 14.3% |
| Montgomery County | 6 | 1 | 2 | 33.3% |
| Westmoreland County | 5 | 2 | 2 | 40.0% |
| Allegheny County | 5 | 4 | 0 | 0.0% |
| Berks County | 3 | 2 | 1 | 33.3% |
| Luzerne County | 3 | 0 | 1 | 33.3% |
| Northampton County | 3 | 0 | 2 | 66.7% |
| Chester County | 3 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 79 applications in 2025, of which 40 were originated and 19 denied.
24.1% of all applications, or 27.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans American Airlines Federal Credit Union originated in Pennsylvania in 2025 was 7.25%, 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology