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Hawaiian Financial Federal Credit Union

Honolulu, HI

Hawaiian Financial Federal Credit Union processed 156 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 145 loans with a 5.8% denial rate. Home Purchase was the primary loan purpose. Based in Honolulu, HI. The approval rate of 92.9% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hawaiian Financial Federal Credit Union's 92.9% origination rate tells you how often an application turned into funded money; the 5.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Employment history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (156 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

156
Applications
145
Originated
5.8%
Denial Rate
$535,577
Avg Loan Amount
Avg Interest Rate: 6.407% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 156 145 9 $535,577

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Hawaiian Financial Federal Credit Union (LEI: 5493004NKDOFN55L5X23) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
7
Credit history
4
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 108 101 $572,685
Cash-out Refinancing 38 34 $419,737
Refinancing 9 9 $582,778
Home Improvement 1 1 $505,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
Asian 103 94.2% 5.8%
White * 31 93.5% 6.5%
Joint * 12 91.7% 0.0%
2 or more minority races * 3 66.7% 0.0%
Black or African American * 2 50.0% 50.0%
Native Hawaiian or Other Pacific Islander * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 16 100.0% 0.0%
Joint * 4 75.0% 25.0%
Hispanic or Latino * 3 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in HI

Other HMDA-reporting lenders in HI with similar activity. Compare any two side-by-side.

Bank of Hawaii

Honolulu, HI

2,715 apps 1,212 originated 36.6% denied

First Hawaiian Bank

HONOLULU, HI

2,271 apps 1,256 originated 23.6% denied

American Savings Bank

HONOLULU, HI

1,879 apps 993 originated 37.3% denied

Hawaiiusa FCU

HONOLULU, HI

1,128 apps 417 originated 39.5% denied

Hawaii State Federal Credit Union

Honolulu, HI

1,084 apps 659 originated 27.6% denied
Compare Hawaiian Financial Federal Credit Union vs Bank of Hawaii →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Hawaiian Financial Federal Credit Union process?
Hawaiian Financial Federal Credit Union processed 156 mortgage applications in the 2024 HMDA reporting year. Of these, 145 were originated (approved and funded), 2 were withdrawn by the applicant, and 9 were denied.
What is Hawaiian Financial Federal Credit Union's mortgage approval rate?
Hawaiian Financial Federal Credit Union has an approval (origination) rate of 92.9%, meaning 92.9% of all applications resulted in a funded mortgage. The denial rate is 5.8%.
What is the average loan amount at Hawaiian Financial Federal Credit Union?
The average mortgage loan amount at Hawaiian Financial Federal Credit Union is $535,577. The average interest rate is 6.407%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at Hawaiian Financial Federal Credit Union?
The most common reasons for mortgage denial at Hawaiian Financial Federal Credit Union are: Debt-to-income ratio, Credit history, Employment history. In total, 9 applications were denied out of 156 total applications.
What types of mortgage loans does Hawaiian Financial Federal Credit Union offer?
Hawaiian Financial Federal Credit Union processes Conventional loans. The most common type is Conventional with 156 applications and an average loan amount of $535,577.
What loan purposes does Hawaiian Financial Federal Credit Union serve?
Hawaiian Financial Federal Credit Union serves the following loan purposes: Home Purchase (108 applications), Cash-out Refinancing (38 applications), Refinancing (9 applications), Home Improvement (1 applications). Home Purchase is the most common purpose.
Where is Hawaiian Financial Federal Credit Union located?
Hawaiian Financial Federal Credit Union is headquartered in Honolulu, HI. The lender is identified by LEI 5493004NKDOFN55L5X23 in HMDA data.
How does Hawaiian Financial Federal Credit Union compare in lending across racial demographics?
Hawaiian Financial Federal Credit Union reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 94.2% and denial rate of 5.8%; White applicants have an approval rate of 93.5% and denial rate of 6.5%; Joint applicants have an approval rate of 91.7% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.