American Airlines Federal Credit Union mortgage approval rate & lending review
American Airlines Federal Credit Union decided 8,555 mortgage applications and funded 5,498 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Airlines Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Airlines Federal Credit Union at a glance
Approval is 0.7 points below the 71.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 2,213 / 2,471 | 85% | $335K | 1,876 |
| Home improvement loans | 63% | 2,821 / 4,493 | 96% | $85K | 2,701 |
| Cash-out refinance | 62% | 263 / 427 | 90% | $205K | 238 |
| Refinance | 72% | 375 / 521 | 93% | $115K | 350 |
| Investment property purchase | 83% | 241 / 292 | 84% | $265K | 203 |
| Investment cash-out refinance | 47% | 18 / 38 | 50% | $175K | 9 |
| Investment refinance | 44% | 14 / 32 | 86% | $145K | 12 |
| Investment home improvement | 42% | 119 / 281 | 92% | $85K | 109 |
American Airlines Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 72% | $115K | 2,840 | 1,836 |
| Florida | 70% | $85K | 1,308 | 825 |
| North Carolina | 72% | $145K | 448 | 293 |
| New York | 58% | $105K | 426 | 211 |
| Arizona | 72% | $85K | 421 | 285 |
| Illinois | 77% | $65K | 420 | 284 |
| Oklahoma | 85% | $65K | 405 | 320 |
| California | 69% | $115K | 393 | 245 |
| New Jersey | 59% | $105K | 252 | 138 |
| Massachusetts | 65% | $85K | 228 | 135 |
| Pennsylvania | 65% | $145K | 179 | 105 |
| South Carolina | 71% | $105K | 163 | 105 |
| Georgia | 64% | $165K | 109 | 61 |
| Virginia | 76% | $195K | 79 | 58 |
| Tennessee | 72% | $65K | 75 | 52 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American Airlines Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tarrant County, TX | Home improvement loans | 61% | 745 | 432 |
| Tarrant County, TX | Mortgage lenders | 91% | 413 | 335 |
| Tulsa County, OK | Home improvement loans | 87% | 177 | 152 |
| Broward County, FL | Home improvement loans | 69% | 223 | 145 |
| Maricopa County, AZ | Home improvement loans | 68% | 217 | 142 |
| Denton County, TX | Home improvement loans | 61% | 237 | 140 |
| Denton County, TX | Mortgage lenders | 93% | 180 | 136 |
| Miami-Dade County, FL | Home improvement loans | 55% | 224 | 120 |
| Dallas County, TX | Home improvement loans | 56% | 200 | 106 |
| Tulsa County, OK | Mortgage lenders | 93% | 126 | 104 |
| Cook County, IL | Home improvement loans | 62% | 127 | 76 |
| Tarrant County, TX | Cash-out refinance | 65% | 107 | 66 |
The county markets where American Airlines Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about American Airlines Federal Credit Union
What is American Airlines Federal Credit Union's mortgage approval rate?
American Airlines Federal Credit Union approved 70.9% of the 8,555 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.7 points below the 71.6% national rate for the same mix of loan types.
How often do borrowers take the loan American Airlines Federal Credit Union offers?
Borrowers accepted 91% of the loans American Airlines Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Airlines Federal Credit Union make?
The typical home improvement loan loan American Airlines Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Airlines Federal Credit Union lend?
American Airlines Federal Credit Union decided applications in 50 of the states Fat Boy Data covers, most of them in Texas, Florida and North Carolina.
Can I apply to American Airlines Federal Credit Union directly?
Yes. American Airlines Federal Credit Union is a bank or credit union with 45 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Airlines Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American Airlines Federal Credit Union treats applications, then get a rate quote from the lender.