Hawaiiusa mortgage approval rate & lending review
Hawaiiusa decided 2,873 mortgage applications and funded 1,551 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hawaiiusa reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hawaiiusa at a glance
Approval is 8.0 points below the 70.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 185 / 234 | 93% | $445K | 172 |
| Home improvement loans | 58% | 671 / 1,160 | 83% | $155K | 558 |
| Cash-out refinance | 68% | 30 / 44 | 87% | $465K | 26 |
| Refinance | 70% | 811 / 1,166 | 88% | $265K | 710 |
| Investment property purchase | 57% | 36 / 63 | 94% | $695K | 34 |
| Investment refinance | 44% | 28 / 64 | 61% | $235K | 17 |
| Investment home improvement | 26% | 36 / 136 | 86% | $205K | 31 |
Hawaiiusa lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 63% | $265K | 2,873 | 1,551 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hawaiiusa lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Refinance | 71% | 1,012 | 630 |
| Honolulu County, HI | Home improvement loans | 58% | 895 | 433 |
| Honolulu County, HI | Mortgage lenders | 80% | 196 | 144 |
| Maui County, HI | Home improvement loans | 53% | 186 | 82 |
| Maui County, HI | Refinance | 59% | 96 | 50 |
| Hawaii County, HI | Home improvement loans | 65% | 79 | 43 |
| Hawaii County, HI | Refinance | 53% | 58 | 30 |
| Honolulu County, HI | Cash-out refinance | 68% | 37 | 21 |
| Maui County, HI | Mortgage lenders | 71% | 24 | 16 |
| Honolulu County, HI | Investment refinance | 38% | 47 | 10 |
The county markets where Hawaiiusa made the most loans. Each link opens that market with every lender ranked.
Questions about Hawaiiusa
What is Hawaiiusa's mortgage approval rate?
Hawaiiusa approved 62.7% of the 2,873 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points below the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan Hawaiiusa offers?
Borrowers accepted 86% of the loans Hawaiiusa approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hawaiiusa make?
The typical mortgage refinance loan Hawaiiusa made was $265K; across all loan types its typical loan ran from $155K to $695K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hawaiiusa lend?
Hawaiiusa decided applications in 1 of the states Fat Boy Data covers, most of them in Hawaii.
Can I apply to Hawaiiusa directly?
Yes. Hawaiiusa is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hawaiiusa's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hawaiiusa treats applications, then get a rate quote from the lender.