Lenders › Hawaiiusa FCU › Hawaii
Hawaiiusa FCU in Hawaii
HMDA record for properties in Hawaii, calendar year 2024. National record · Hawaii overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Hawaii, Hawaiiusa FCU reported 1,116 applications and 417 originations for 2024, $112m in all.
Its denial rate in the state was 46.1%, above the Hawaii rate of 29.7% across all lenders and compared with the lender's national rate of 46.1%.
The median rate spread on its Hawaii originations was -0.2 percentage points (state median 0.0).
Applications in the state were down 31% on 2023.
Compared with the state and the lender's national record
| Measure | In Hawaii | Hawaii, all lenders | Hawaiiusa FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 46.1% | 29.7% | 46.1% | 24.3% |
| Median rate spread, pp | -0.2 | 0.0 | -0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.0% | 7.7% | 6.0% | 15.6% |
| Average originated loan | $269k | $576k | $269k | $329k |
| Home purchase share | 12.5% | 55.6% | 12.5% | 57.0% |
| FHA-insured share | 0.0% | 4.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 17.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateHawaii, all lenders
Loan purpose and loan type in Hawaii
By purpose
Home purchase 12% (52)Home improvement 30% (125)Refinancing 31% (128)Cash-out refinancing 4% (16)Other purpose 23% (96)
By type
Conventional 100% (417)
Denial reasons as coded
Share of 445 denials in Hawaii by first denial reason coded (outlined bar: all lenders in the state).
Counties in Hawaii
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Honolulu County | 894 | 331 | $84m | 44.4% |
| Hawaii County | 84 | 35 | $6.8m | 46.7% |
| Maui County | 81 | 27 | $12m | 59.2% |
| Kauai County | 52 | 24 | $8.9m | 48.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Hawaiiusa FCU originate in Hawaii in 2024?
417 loans totalling $112m, from 1,116 applications reported for properties in Hawaii.
What is Hawaiiusa FCU's denial rate in Hawaii?
46.1% of decided applications in Hawaii were denied, against 29.7% for all lenders in the state and 46.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Hawaii counties does Hawaiiusa FCU lend in most?
By originations: Honolulu County (331), Hawaii County (35), Maui County (27), Kauai County (24).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Hawaii. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.