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Hickam Federal Credit Union

HONOLULU, HI

Hickam Federal Credit Union processed 256 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 110 loans with a 30.9% denial rate. Other was the primary loan purpose. Based in HONOLULU, HI. The approval rate of 43.0% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hickam Federal Credit Union's 43.0% origination rate tells you how often an application turned into funded money; the 30.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (256 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.

256
Applications
110
Originated
30.9%
Denial Rate
$177,305
Avg Loan Amount
Avg Interest Rate: 8.320% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 256 110 79 $177,305

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Hickam Federal Credit Union (LEI: 549300DSPT6YGS1ZLR56) · 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 Approval rates exclude withdrawn / incomplete applications.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
45
Other
20
Collateral
13
Credit history
11
Credit application incomplete
4
Unverifiable information
3
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 100 39 $138,700
Home Improvement 80 37 $159,000
Cash-out Refinancing 41 19 $235,244
Home Purchase 19 4 $266,579
Refinancing 16 11 $255,625

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
Asian 98 49.0% 27.6%
White * 33 45.5% 33.3%
2 or more minority races * 31 35.5% 41.9%
Native Hawaiian or Other Pacific Islander * 26 38.5% 34.6%
Joint * 20 80.0% 10.0%
Black or African American * 10 30.0% 40.0%
American Indian or Alaska Native * 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 182 48.4% 28.0%
Hispanic or Latino * 22 36.4% 50.0%
Joint * 8 50.0% 25.0%

* 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 Hickam Federal Credit Union vs Bank of Hawaii →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Hickam Federal Credit Union process?
Hickam Federal Credit Union processed 256 mortgage applications in the 2024 HMDA reporting year. Of these, 110 were originated (approved and funded), 67 were withdrawn by the applicant, and 79 were denied.
What is Hickam Federal Credit Union's mortgage approval rate?
Hickam Federal Credit Union has an approval (origination) rate of 43.0%, meaning 43.0% of all applications resulted in a funded mortgage. The denial rate is 30.9%.
What is the average loan amount at Hickam Federal Credit Union?
The average mortgage loan amount at Hickam Federal Credit Union is $177,305. The average interest rate is 8.320%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at Hickam Federal Credit Union?
The most common reasons for mortgage denial at Hickam Federal Credit Union are: Debt-to-income ratio, Other, Collateral. In total, 79 applications were denied out of 256 total applications.
What types of mortgage loans does Hickam Federal Credit Union offer?
Hickam Federal Credit Union processes Conventional loans. The most common type is Conventional with 256 applications and an average loan amount of $177,305.
What loan purposes does Hickam Federal Credit Union serve?
Hickam Federal Credit Union serves the following loan purposes: Other (100 applications), Home Improvement (80 applications), Cash-out Refinancing (41 applications), Home Purchase (19 applications), Refinancing (16 applications). Other is the most common purpose.
Where is Hickam Federal Credit Union located?
Hickam Federal Credit Union is headquartered in HONOLULU, HI. The lender is identified by LEI 549300DSPT6YGS1ZLR56 in HMDA data.
How does Hickam Federal Credit Union compare in lending across racial demographics?
Hickam Federal Credit Union reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 49.0% and denial rate of 27.6%; White applicants have an approval rate of 45.5% and denial rate of 33.3%; 2 or more minority races applicants have an approval rate of 35.5% and denial rate of 41.9%. 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.