Applications / Mortgage Analytics / Lenders / Hawaii / Hawaii State Federal Credit Union
Honolulu, HI · Credit union · NCUA · $2.9 billion assets · 847 loans in 2025
Hawaii State Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
847
loans originated, 2025
1,419
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hawaii State Federal Credit Union is a Hawaii-only lender led by home-improvement loans, and its loan count grew 29% in 2025, faster than more than four in five similar lenders.
Home improvement made up 42.6% of its loans and refinance 25.6%, with purchases at 17.1%. Even so, its typical loan of $245,000 is more than double the $105,000 at similar lenders (credit unions making between half and twice as many loans), higher than all but about one in twenty. All its loans were conventional.
Loans rose 29% to 847, against 8% at similar lenders and 10% for the whole market. Its share in Kahului-Wailuku, HI rose 0.8 points to 2.1%, eleventh of 154 lenders; in Urban Honolulu it held 2.6%, also eleventh, behind Bank of Hawaii, United Wholesale Mortgage and Walker & Dunlop.
Its loans are in one state and four counties, so 97.0% fall in majority-minority neighbourhoods, against 10.4% at similar lenders. Its LMI (low- and moderate-income) borrower share, 16.6%, is lower than nearly nine in ten peers; its large typical loan and its focus on existing owners improving or refinancing their homes are possible reasons.
Its typical rate of 5.90% was lower than about nine in ten similar lenders, against 7.00% for peers, and down from 7.12% a year earlier. Its higher-priced share (a rate well above the average for similar loans), 1.3%, is near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hawaii State Federal Credit Union took 1,419 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.6% · Refinance 25.6% · Purchase 17.1% · Other 14.6%
Conventional 100.0% · of 847 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 | 847 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 713 |
| Kahului-Wailuku | 104 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005VBGFDRV6FSU19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 249377 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51718 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hawaii State Federal Credit Union's data.
Hawaii State Federal Credit Union's data
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Hawaii State Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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