Hawaii State Federal Credit Union in Hawaii vs the state
30.0%Denial rate+8.14 pts vs state
33.1%Decision denial rate+5.79 pts vs state
59.7%Origination rate+4.36 pts vs state
5.90%Median rate-0.25 pts vs state
-0.89Rate spread (pts)-0.64 pts vs state
$145kMedian applicant income
847Loans originated
425Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,304 | 784 | 30.3% | 5.99% | #6 |
| 2024 | 1,084 | 659 | 27.6% | 7.13% | #7 |
| 2025 | 1,418 | 847 | 30.0% | 5.90% | #8 |
What Hawaii State Federal Credit Union lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Hawaii State Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 1,197 | 713 | 361 | 30.2% |
| Maui County | 169 | 104 | 52 | 30.8% |
| Hawaii County | 28 | 15 | 7 | 25.0% |
| Kauai County | 24 | 15 | 5 | 20.8% |
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% |
| Navy Federal Credit Union | D | 985 | 30.2% | 8.10% |
| Freedom Mortgage | B | 924 | 10.8% | 5.75% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 1,418 applications in 2025, of which 847 were originated and 425 denied.
30.0% of all applications, or 33.1% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Hawaii State Federal Credit Union originated in Hawaii in 2025 was 5.90%, against a statewide median of 6.15%.
About this data. Figures are Hawaii State 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