Applications / Mortgage Analytics / Lenders / Texas / American Airlines Federal Credit Union
Fort Worth, TX · Credit union · NCUA · $9.3 billion assets · 2,099 loans in 2025
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2,099
loans originated, 2025
3,879
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Airlines Federal Credit Union is a nationwide lender, in 49 states and 203 metros, whose originations fell 19% in 2025 while similar credit unions grew 11%.
Originations fell 19% to 2,099, lower growth than at nearly all similar lenders (credit unions making between half and twice as many loans), while the whole market grew 10%. Lending by value fell less, from $541.0 million to $514.8 million, as its typical loan rose from $135,000 to $165,000. It was its lowest total since at least 2018. A pull-back in one product line or market could account for it; figures by product and state would show which.
It lends in 49 states and 450 counties, with no market where it is large: it ranked 41 of 476 lenders in Tulsa with 0.5%, and 96 of 1,026 in Dallas-Fort Worth. Home purchases were 38.4% of its loans and home improvement 35.8%.
Majority-minority areas took 31.2% of its loans, against 12.0% at peers, a higher share than about four in five. LMI (low- and moderate-income) borrowers took 18.5%, against 27.0%; its larger loans and its 4.5% jumbo (larger than the conforming limit) share, against 1.6%, point to borrowers with higher incomes as one possible reason.
It turned down 4.1% of decided first-lien home-purchase applications on owner-occupied homes, against 6.3% at peers, and 17.2% of refinance applications, against 19.5%.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Airlines Federal Credit Union took 3,879 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.4% · Home improvement 35.8% · Other 14.6% · Refinance 11.3%
Conventional 100.0% · of 2,099 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 639 | 30.4% |
| Florida | 282 | 13.4% |
| Oklahoma | 185 | 8.8% |
| North Carolina | 127 | 6.1% |
| Illinois | 104 | 5.0% |
| Arizona | 96 | 4.6% |
| California | 78 | 3.7% |
| New York | 78 | 3.7% |
| New Jersey | 51 | 2.4% |
| Massachusetts | 42 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 331 |
| Dallas-Plano-Irving | 240 |
| Tulsa | 160 |
| Charlotte-Concord-Gastonia | 86 |
| Phoenix-Mesa-Chandler | 86 |
| Fort Lauderdale-Pompano Beach-Sunrise | 81 |
| Miami-Miami Beach-Kendall | 80 |
| Chicago-Naperville-Schaumburg | 77 |
| New York-Jersey City-White Plains | 52 |
| Nassau County-Suffolk County | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004RLLKTQS8K7U51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 49090 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523957 | 1990–2017 |
Established 1 January 1982. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: American Airlines Federal Credit Union's data.
American Airlines Federal Credit Union's data
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American Airlines Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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