The Federal Savings Bank in Hawaii vs the state
15.7%Denial rate-6.13 pts vs state
35.2%Decision denial rate+7.88 pts vs state
28.9%Origination rate-26.44 pts vs state
6.25%Median rate+0.10 pts vs state
-0.14Rate spread (pts)+0.11 pts vs state
$120kMedian applicant income
35Loans originated
19Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 24 | 15.2% | 5.88% | #44 |
| 2024 | 102 | 27 | 10.8% | 6.00% | #50 |
| 2025 | 121 | 35 | 15.7% | 6.25% | #54 |
What The Federal Savings Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 93 | 23 | 13 | 14.0% |
| Hawaii County | 18 | 8 | 5 | 27.8% |
| Maui County | 8 | 3 | 1 | 12.5% |
| Kauai County | 2 | 1 | 0 | 0.0% |
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% |
| 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% |
Frequently asked questions
Hawaii: 121 applications in 2025, of which 35 were originated and 19 denied.
15.7% of all applications, or 35.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans The Federal Savings Bank originated in Hawaii in 2025 was 6.25%, against a statewide median of 6.15%.
About this data. Figures are The Federal Savings Bank'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