Applications / Mortgage Analytics / Lenders / Hawaii / American Savings Bank
Honolulu, HI · National bank · OCC · $9.0 billion assets · 1,416 loans in 2025
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1,416
loans originated, 2025
2,482
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Savings Bank, a Hawaii bank, grew its lending 43% in 2025 and ranked first in Kahului-Wailuku, though its volume remains far below the level of 2018 to 2022.
Originations rose 43% to 1,416, against 10% at similar lenders (national banks making between half and twice as many loans) and the whole market, higher than nearly nine in ten of them. They remain well below the 4,351 loans of 2021.
It ranked 1 of 154 lenders in Kahului-Wailuku, its share up 4.0 points to 9.3%. In Urban Honolulu it ranked 4 of 223, with 5.8%, up 0.2 points, behind Bank of Hawaii, United Wholesale Mortgage and Walker & Dunlop. It lends only in Hawaii, in 4 counties.
Its typical loan, $355,000, was larger than at more than nine in ten similar lenders, where it was $205,000. Its typical rate, 5.65%, was lower than at nearly all of them, against 6.62%, and only 0.2% of its loans were higher-priced (a rate well above the average for similar loans).
Majority-minority areas took 95.6% of its loans, against 8.7% at similar lenders, and LMI (low- and moderate-income) areas 29.0%, against 14.2%, both higher than nearly all of them; the make-up of the four Hawaii counties it serves is a possible reason. LMI borrowers took 20.6%, against 27.9%, lower than more than eight in ten similar lenders; its larger loans are one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Savings Bank took 2,482 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.8% · Home improvement 20.6% · Other 18.0% · Refinance 14.5%
Conventional 98.4% · VA 1.3% · FHA 0.3% · of 1,416 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Hawaii | 1,416 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 1,055 |
| Kahului-Wailuku | 161 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BES7HNVKCDIM50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 54973 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48384 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708384 | 2011–2017 |
Established 23 January 1987. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Savings Bank's data.
American Savings Bank's data
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