Hawaiiusa Federal Credit Union 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%
7th42.6% deniedPricingmedian rate spread over APOR, weight 30%
85th-1.08 ptsProcesswithdrawn + incomplete share, weight 15%
63rd10.6%Closing coststotal loan costs ÷ loan amount, weight 10%
34th3.74% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,613 | 825 | 37.1% | 39.7% | 4.75% | $223M |
| 2024 | 1,117 | 417 | 39.8% | 46.1% | 7.00% | $112M |
| 2025 | 1,834 | 777 | 38.1% | 42.6% | 5.65% | $247M |
What Hawaiiusa Federal Credit Union 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: 1,654 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 140 investment properties.
Why Hawaiiusa Federal Credit Union denies applications
Primary reason reported for each of the 698 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Hawaiiusa Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 85 | 10 | 82.3% |
| $50k – $100k | 412 | 125 | 57.0% |
| $100k – $150k | 495 | 211 | 41.6% |
| $150k – $250k | 533 | 281 | 32.8% |
| Over $250k | 262 | 144 | 26.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 140 | 61 | 40.6% |
| 35–44 | 451 | 187 | 43.7% |
| 45–54 | 504 | 223 | 41.1% |
| 55–64 | 415 | 190 | 39.6% |
| 65–74 | 202 | 68 | 50.6% |
| Over 74 | 117 | 46 | 45.4% |
Where Hawaiiusa Federal Credit Union lends
2 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Hawaii | 1,833 | 777 | 38.1% | 5.65% | #4 |
Frequently asked questions
Hawaiiusa Federal Credit Union denied 42.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 7th percentile of home-equity (HELOC) lenders.
The most common reason Hawaiiusa Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 63.9% 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 Hawaiiusa Federal Credit Union originated in 2025 was 5.65%, and its median rate spread over the average prime offer rate was -1.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 36% for refinancing (including cash-out), and 53% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.