Hickam 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 B 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%
28th32.4% deniedPricingmedian rate spread over APOR, weight 30%
83rd-0.79 ptsProcesswithdrawn + incomplete share, weight 15%
93rd2.8%Closing coststotal loan costs ÷ loan amount, weight 10%
86th1.47% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 631 | 376 | 21.4% | 26.4% | 4.21% | $73M |
| 2024 | 256 | 110 | 30.9% | 41.8% | 8.63% | $19M |
| 2025 | 181 | 119 | 31.5% | 32.4% | 7.68% | $20M |
What Hickam 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: 120 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 10 investment properties.
Why Hickam Federal Credit Union denies applications
Primary reason reported for each of the 57 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Hickam Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 20 | 9 | 55.0% |
| $100k – $150k | 36 | 22 | 38.9% |
| $150k – $250k | 74 | 54 | 26.0% |
| Over $250k | 44 | 32 | 22.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 56 | 31 | 44.6% |
| 45–54 | 47 | 29 | 37.0% |
| 55–64 | 32 | 24 | 22.6% |
| 65–74 | 21 | 17 | 19.1% |
Where Hickam Federal Credit Union lends
2 states and 3 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Hawaii | 180 | 119 | 31.1% | 7.68% | #30 |
Frequently asked questions
Hickam Federal Credit Union denied 32.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 28th percentile of home-equity (HELOC) lenders.
The most common reason Hickam Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 66.7% 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 Hickam Federal Credit Union originated in 2025 was 7.68%, and its median rate spread over the average prime offer rate was -0.79 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 20% for refinancing (including cash-out), and 72% 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.