American Airlines Federal Credit Union in Texas vs the state
26.6%Denial rate+7.17 pts vs state
29.8%Decision denial rate+4.86 pts vs state
54.7%Origination rate-0.22 pts vs state
7.00%Median rate+0.50 pts vs state
0.67Rate spread (pts)+0.48 pts vs state
$140kMedian applicant income
639Loans originated
311Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,587 | 866 | 32.0% | 6.13% | #107 |
| 2024 | 1,462 | 789 | 31.7% | 6.63% | #125 |
| 2025 | 1,169 | 639 | 26.6% | 7.00% | #157 |
What American Airlines Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 561 | 304 | 159 | 28.3% |
| Denton County | 186 | 114 | 36 | 19.4% |
| Dallas County | 157 | 90 | 39 | 24.8% |
| Collin County | 52 | 28 | 18 | 34.6% |
| Parker County | 24 | 11 | 8 | 33.3% |
| Harris County | 21 | 9 | 9 | 42.9% |
| Ellis County | 17 | 7 | 5 | 29.4% |
| Johnson County | 15 | 8 | 5 | 33.3% |
| Montgomery County | 14 | 8 | 5 | 35.7% |
| Wise County | 13 | 8 | 3 | 23.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,169 applications in 2025, of which 639 were originated and 311 denied.
26.6% of all applications, or 29.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Airlines Federal Credit Union originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology