Hawaiiusa FCU Mortgage Lending & HMDA Data, 2024
In 2024, Hawaiiusa FCU of Honolulu, HI reported 1,128 mortgage applications totaling $289.0 million, down 31% from 2023. The average application was for $256,232, and applicants reported an average income of $157,853. 37% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Urban Honolulu, HI (904), Kahului-Wailuku-Lahaina, HI (81) and Arlington-Alexandria-Reston, VA-WV (1) (applications in parentheses).
| Mortgage Company & Address | Hawaiiusa FCU 1538 Kapiolani Blvd #105 Honolulu, HI 96817 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,128 |
| Total Mortgage Loan Application Amount | $289,030,000 |
| Average Mortgage Loan Application Amount | $256,232 |
| Highest Mortgage Loan Application Amount | $2,305,000 |
| Average Applicant Income | $157,853 |
| Highest Applicant Income | $5,976,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hawaiiusa FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Honolulu, Hawaii | 904 | $ 218,950,000 | $ 242,201 | $ 148,000 |
| Hawaii, Hawaii | 85 | $ 18,175,000 | $ 213,823 | $ 142,000 |
| Maui, Hawaii | 81 | $ 33,795,000 | $ 417,222 | $ 275,000 |
| Kauai, Hawaii | 52 | $ 16,920,000 | $ 325,384 | $ 164,000 |
| Arlington, Virginia | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Hawaiiusa FCU in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 369 | $70,995,000 | $192,000 | $2,305,000 | $173,000 | $5,976,000 |
| Other Purpose | 340 | $58,330,000 | $171,000 | $1,005,000 | $131,000 | $1,253,000 |
| Refinancing | 280 | $93,000,000 | $332,000 | $1,505,000 | $155,000 | $1,200,000 |
| Home Purchase | 107 | $59,055,000 | $551,000 | $1,995,000 | $208,000 | $1,237,000 |
| Cash-out Refinancing | 31 | $7,395,000 | $238,000 | $825,000 | $123,000 | $280,000 |
| Not Applicable | 1 | $255,000 | $255,000 | $255,000 | $213,000 | $213,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 632 | $156,470,000 | $247,000 | $1,645,000 | $138,000 | $1,111,000 |
| White | 176 | $50,450,000 | $286,000 | $2,305,000 | $195,000 | $1,253,000 |
| Native Hawaiian or Other Pacific Islander | 120 | $23,520,000 | $196,000 | $1,005,000 | $146,000 | $1,272,000 |
| Not Provided | 97 | $27,365,000 | $282,000 | $1,005,000 | $243,000 | $5,976,000 |
| Hispanic | 74 | $16,790,000 | $226,000 | $1,005,000 | $139,000 | $458,000 |
| Not applicable | 13 | $10,345,000 | $795,000 | $1,845,000 | $0 | $0 |
| Black or African American | 9 | $1,615,000 | $179,000 | $455,000 | $118,000 | $199,000 |
| American Indian or Alaskan Native | 7 | $2,475,000 | $353,000 | $1,505,000 | $176,000 | $384,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,128 | $289,030,000 | $256,000 | $2,305,000 | $158,000 | $5,976,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 445 | $109,185,000 | $245,000 | $2,305,000 | $139,000 | $5,976,000 |
| Loan Originated | 417 | $112,215,000 | $269,000 | $1,995,000 | $174,000 | $1,237,000 |
| Application Withdrawn By Applicant | 149 | $39,545,000 | $265,000 | $1,055,000 | $169,000 | $1,253,000 |
| Application Approved But Not Accepted | 104 | $19,010,000 | $182,000 | $805,000 | $155,000 | $480,000 |
| Loan Purchased By The Institution | 11 | $8,445,000 | $767,000 | $1,845,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $630,000 | $315,000 | $375,000 | $143,000 | $213,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 683 | $179,845,000 | $263,000 | $1,995,000 | $170,000 | $1,253,000 |
| Debt-To-Income Ratio | 292 | $76,340,000 | $261,000 | $2,305,000 | $111,000 | $900,000 |
| Collateral | 75 | $16,095,000 | $214,000 | $1,005,000 | $257,000 | $5,976,000 |
| Credit History | 68 | $13,310,000 | $195,000 | $805,000 | $97,000 | $265,000 |
| Other | 10 | $3,440,000 | $344,000 | $1,505,000 | $392,000 | $1,272,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hawaiiusa FCU's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hawaiiusa FCU's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Hawaii, download the full spreadsheet
with aggregated HMDA statistics today.
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