Aloha Pacific Federal Credit Union in Hawaii vs the state
28.1%Denial rate+6.30 pts vs state
29.1%Decision denial rate+1.80 pts vs state
66.4%Origination rate+10.99 pts vs state
5.75%Median rate-0.40 pts vs state
-1.10Rate spread (pts)-0.85 pts vs state
$127kMedian applicant income
217Loans originated
92Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 619 | 389 | 27.3% | 3.50% | #11 |
| 2024 | 257 | 132 | 27.6% | 6.88% | #24 |
| 2025 | 327 | 217 | 28.1% | 5.75% | #21 |
What Aloha Pacific Federal Credit Union lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Aloha Pacific Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 303 | 204 | 83 | 27.4% |
| Kauai County | 18 | 12 | 5 | 27.8% |
| Maui County | 5 | 1 | 3 | 60.0% |
Other large lenders in Hawaii
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bank of Hawaii | C | 3,679 | 27.8% | 6.00% |
| First Hawaiian Bank | B | 2,740 | 19.4% | 5.87% |
| American Savings Bank | C | 2,479 | 34.5% | 5.65% |
| Hawaiiusa Federal Credit Union | C | 1,833 | 38.1% | 5.65% |
| United Shore Financial Services | B | 1,710 | 11.1% | 6.13% |
| Rocket Mortgage | C | 1,637 | 22.4% | 6.63% |
| Central Pacific Bank | C | 1,519 | 33.6% | 6.13% |
| Hawaii State Federal Credit Union | C | 1,418 | 30.0% | 5.90% |
| Navy Federal Credit Union | D | 985 | 30.2% | 8.10% |
| Freedom Mortgage | B | 924 | 10.8% | 5.75% |
Frequently asked questions
Hawaii: 327 applications in 2025, of which 217 were originated and 92 denied.
28.1% of all applications, or 29.1% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Aloha Pacific Federal Credit Union originated in Hawaii in 2025 was 5.75%, against a statewide median of 6.15%.
About this data. Figures are Aloha Pacific Federal Credit Union's own HMDA filing for properties located in Hawaii, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology