American Savings Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
14th37.1% deniedPricingmedian rate spread over APOR, weight 30%
81st-0.70 ptsProcesswithdrawn + incomplete share, weight 15%
80th7.1%Closing coststotal loan costs ÷ loan amount, weight 10%
48th3.18% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,601 | 1,487 | 31.8% | 35.1% | 5.50% | $542M |
| 2024 | 1,879 | 993 | 37.3% | 40.6% | 6.63% | $444M |
| 2025 | 2,482 | 1,416 | 34.5% | 37.1% | 5.65% | $700M |
What American Savings Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,627 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 348 investment properties.
Why American Savings Bank denies applications
Primary reason reported for each of the 856 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 132 | 29 | 77.3% |
| $50k – $100k | 526 | 254 | 47.8% |
| $100k – $150k | 681 | 401 | 35.6% |
| $150k – $250k | 677 | 442 | 27.8% |
| Over $250k | 424 | 264 | 28.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 324 | 242 | 19.4% |
| 35–44 | 497 | 287 | 35.5% |
| 45–54 | 514 | 288 | 38.9% |
| 55–64 | 533 | 260 | 45.9% |
| 65–74 | 368 | 199 | 39.7% |
| Over 74 | 207 | 107 | 42.9% |
Where American Savings Bank lends
4 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Hawaii | 2,479 | 1,416 | 34.5% | 5.65% | #3 |
Frequently asked questions
American Savings Bank denied 37.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of home-equity (HELOC) lenders.
The most common reason American Savings Bank gave in 2025 was "debt-to-income ratio", cited on 40.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Savings Bank originated in 2025 was 5.65%, and its median rate spread over the average prime offer rate was -0.70 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 33% of its applications were for home purchases, 14% for refinancing (including cash-out), and 53% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.