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Hawaiiusa FCU

HONOLULU, HI

Hawaiiusa FCU processed 1,128 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 417 loans with a 39.5% denial rate. Home Improvement was the primary loan purpose. Based in HONOLULU, HI. The approval rate of 37.0% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hawaiiusa FCU's 37.0% origination rate tells you how often an application turned into funded money; the 39.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,128 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.

1,128
Applications
417
Originated
39.5%
Denial Rate
$256,232
Avg Loan Amount
Avg Interest Rate: 7.075% Avg Applicant Income: $43,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,128 417 445 $256,232

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Hawaiiusa FCU (LEI: 549300Z6QWABFYI73E79) · 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 Approval rates exclude withdrawn / incomplete applications.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
344
Collateral
93
Credit history
77
Other
33
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 369 125 $192,398
Other 340 96 $171,559
Refinancing 280 128 $332,143
Home Purchase 107 52 $551,916
Cash-out Refinancing 31 16 $238,548

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
Asian 554 40.4% 40.4%
Joint 127 55.9% 19.7%
White 116 27.6% 44.8%
Native Hawaiian or Other Pacific Islander 107 26.2% 53.3%
2 or more minority races 96 29.2% 51.0%
Black or African American * 6 50.0% 33.3%
American Indian or Alaska Native * 4 25.0% 50.0%

* 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 848 39.4% 39.3%
Hispanic or Latino 54 25.9% 55.6%
Joint * 46 50.0% 23.9%

* 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

Hawaii State Federal Credit Union

Honolulu, HI

1,084 apps 659 originated 27.6% denied

Central Pacific Bank

Honolulu, HI

1,068 apps 487 originated 35.5% denied
Compare Hawaiiusa FCU vs Bank of Hawaii →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Hawaiiusa FCU process?
Hawaiiusa FCU processed 1,128 mortgage applications in the 2024 HMDA reporting year. Of these, 417 were originated (approved and funded), 149 were withdrawn by the applicant, and 445 were denied.
What is Hawaiiusa FCU's mortgage approval rate?
Hawaiiusa FCU has an approval (origination) rate of 37.0%, meaning 37.0% of all applications resulted in a funded mortgage. The denial rate is 39.5%.
What is the average loan amount at Hawaiiusa FCU?
The average mortgage loan amount at Hawaiiusa FCU is $256,232. The average interest rate is 7.075%. The average applicant income is $43,000.
What are the most common reasons for mortgage denial at Hawaiiusa FCU?
The most common reasons for mortgage denial at Hawaiiusa FCU are: Debt-to-income ratio, Collateral, Credit history. In total, 445 applications were denied out of 1,128 total applications.
What types of mortgage loans does Hawaiiusa FCU offer?
Hawaiiusa FCU processes Conventional loans. The most common type is Conventional with 1,128 applications and an average loan amount of $256,232.
What loan purposes does Hawaiiusa FCU serve?
Hawaiiusa FCU serves the following loan purposes: Home Improvement (369 applications), Other (340 applications), Refinancing (280 applications), Home Purchase (107 applications), Cash-out Refinancing (31 applications). Home Improvement is the most common purpose.
Where is Hawaiiusa FCU located?
Hawaiiusa FCU is headquartered in HONOLULU, HI. The lender is identified by LEI 549300Z6QWABFYI73E79 in HMDA data.
How does Hawaiiusa FCU compare in lending across racial demographics?
Hawaiiusa FCU reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 40.4% and denial rate of 40.4%; Joint applicants have an approval rate of 55.9% and denial rate of 19.7%; White applicants have an approval rate of 27.6% and denial rate of 44.8%. 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.