Hawaiiusa Federal Credit Union in Hawaii vs the state
38.1%Denial rate+16.25 pts vs state
42.6%Decision denial rate+15.25 pts vs state
42.4%Origination rate-12.98 pts vs state
5.65%Median rate-0.50 pts vs state
-1.08Rate spread (pts)-0.83 pts vs state
$139kMedian applicant income
777Loans originated
698Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,611 | 825 | 37.2% | 4.75% | #4 |
| 2024 | 1,116 | 417 | 39.9% | 7.00% | #6 |
| 2025 | 1,833 | 777 | 38.1% | 5.65% | #4 |
What Hawaiiusa Federal Credit Union lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Hawaiiusa Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 1,362 | 603 | 481 | 35.3% |
| Maui County | 208 | 78 | 93 | 44.7% |
| Kauai County | 130 | 49 | 62 | 47.7% |
| Hawaii County | 129 | 47 | 61 | 47.3% |
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% |
| 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% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 1,833 applications in 2025, of which 777 were originated and 698 denied.
38.1% of all applications, or 42.6% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Hawaiiusa Federal Credit Union originated in Hawaii in 2025 was 5.65%, against a statewide median of 6.15%.
About this data. Figures are Hawaiiusa 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