USAA Federal Savings Bank in Hawaii vs the state
32.0%Denial rate+10.17 pts vs state
43.2%Decision denial rate+15.93 pts vs state
40.0%Origination rate-15.37 pts vs state
6.25%Median rate+0.10 pts vs state
-0.24Rate spread (pts)+0.01 pts vs state
$176kMedian applicant income
20Loans originated
16Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 9 | 36.1% | 6.13% | #80 |
| 2024 | 52 | 14 | 38.5% | 6.56% | #75 |
| 2025 | 50 | 20 | 32.0% | 6.25% | #89 |
What USAA Federal Savings Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 28 | 12 | 8 | 28.6% |
| Hawaii County | 17 | 6 | 6 | 35.3% |
| Maui County | 3 | 0 | 2 | 66.7% |
| Kauai County | 2 | 2 | 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: 50 applications in 2025, of which 20 were originated and 16 denied.
32.0% of all applications, or 43.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans USAA Federal Savings Bank originated in Hawaii in 2025 was 6.25%, against a statewide median of 6.15%.
About this data. Figures are USAA 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