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University of Hawaii Federal Credit Union

Honolulu, HI

University of Hawaii Federal Credit Union processed 56 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 41 loans with a 8.9% denial rate. Home Purchase was the primary loan purpose. Based in Honolulu, HI. The approval rate of 73.2% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. University of Hawaii Federal Credit Union's 73.2% origination rate tells you how often an application turned into funded money; the 8.9% 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 (56 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.

56
Applications
41
Originated
8.9%
Denial Rate
$537,321
Avg Loan Amount
Avg Interest Rate: 6.201% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 56 41 5 $537,321

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for University of Hawaii Federal Credit Union (LEI: 2549006P8VW9SIT9YP64) · 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 Approval rates exclude withdrawn / incomplete applications.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
4
Credit history
3
Employment history
2
Other
2
Unverifiable information
1
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 42 33 $548,095
Cash-out Refinancing 10 6 $503,000
Refinancing 4 2 $510,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
Asian * 26 84.6% 7.7%
White * 12 66.7% 8.3%
Joint * 4 50.0% 0.0%
2 or more minority races * 2 50.0% 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 * 44 70.5% 11.4%
Joint * 2 100.0% 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 University of Hawaii Federal Credit Union vs Bank of Hawaii →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did University of Hawaii Federal Credit Union process?
University of Hawaii Federal Credit Union processed 56 mortgage applications in the 2024 HMDA reporting year. Of these, 41 were originated (approved and funded), 10 were withdrawn by the applicant, and 5 were denied.
What is University of Hawaii Federal Credit Union's mortgage approval rate?
University of Hawaii Federal Credit Union has an approval (origination) rate of 73.2%, meaning 73.2% of all applications resulted in a funded mortgage. The denial rate is 8.9%.
What is the average loan amount at University of Hawaii Federal Credit Union?
The average mortgage loan amount at University of Hawaii Federal Credit Union is $537,321. The average interest rate is 6.201%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at University of Hawaii Federal Credit Union?
The most common reasons for mortgage denial at University of Hawaii Federal Credit Union are: Debt-to-income ratio, Credit history, Employment history. In total, 5 applications were denied out of 56 total applications.
What types of mortgage loans does University of Hawaii Federal Credit Union offer?
University of Hawaii Federal Credit Union processes Conventional loans. The most common type is Conventional with 56 applications and an average loan amount of $537,321.
What loan purposes does University of Hawaii Federal Credit Union serve?
University of Hawaii Federal Credit Union serves the following loan purposes: Home Purchase (42 applications), Cash-out Refinancing (10 applications), Refinancing (4 applications). Home Purchase is the most common purpose.
Where is University of Hawaii Federal Credit Union located?
University of Hawaii Federal Credit Union is headquartered in Honolulu, HI. The lender is identified by LEI 2549006P8VW9SIT9YP64 in HMDA data.
How does University of Hawaii Federal Credit Union compare in lending across racial demographics?
University of Hawaii Federal Credit Union reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 84.6% and denial rate of 7.7%; White applicants have an approval rate of 66.7% and denial rate of 8.3%; Joint applicants have an approval rate of 50.0% 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.