University of Hawaii 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th7.8% deniedPricingmedian rate spread over APOR, weight 30%
98th-0.67 ptsProcesswithdrawn + incomplete share, weight 15%
22nd18.9%Closing coststotal loan costs ÷ loan amount, weight 10%
24th2.75% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 29 | 24 | 0.0% | 0.0% | 5.94% | $16M |
| 2024 | 56 | 41 | 8.9% | 10.9% | 6.00% | $23M |
| 2025 | 127 | 95 | 6.3% | 7.8% | 5.75% | $58M |
What University of Hawaii 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 5 investment properties.
Why University of Hawaii Federal Credit Union denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at University of Hawaii 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 | 21 | 14 | 6.7% |
| $100k – $150k | 34 | 24 | 11.1% |
| $150k – $250k | 45 | 37 | 5.1% |
| Over $250k | 22 | 18 | 5.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 16 | 11.1% |
| 35–44 | 42 | 31 | 11.4% |
| 45–54 | 26 | 22 | 4.4% |
Where University of Hawaii Federal Credit Union lends
1 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 | 127 | 95 | 6.3% | 5.75% | #48 |
Frequently asked questions
University of Hawaii Federal Credit Union denied 7.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The most common reason University of Hawaii Federal Credit Union gave in 2025 was "collateral", cited on 50.0% 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 University of Hawaii Federal Credit Union originated in 2025 was 5.75%, and its median rate spread over the average prime offer rate was -0.67 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 76% of its applications were for home purchases, 24% for refinancing (including cash-out), and 0% 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.