Applications / Mortgage Analytics / Lenders / Hawaii / Hawaiiusa Federal Credit Union
Honolulu, HI · Credit union · NCUA · $2.6 billion assets · 777 loans in 2025
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777
loans originated, 2025
1,834
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hawaiiusa Federal Credit Union, a refinance-led lender working only in Hawaii, nearly doubled its loans in 2025 to 777 and gained share in Urban Honolulu and Kahului-Wailuku.
Loans rose 86% from 417, faster than nearly all similar lenders (credit unions making between half and twice as many loans), whose loans grew 8%. Refinance was 44.9% of its loans and home improvement 26.0%, and its typical rate fell from 7.00% to 5.65%; refinancing at lower rates is one possible source of the jump. Its record swings: 1,090 loans in 2022, 417 in 2024.
Its share of Urban Honolulu lending rose 1.0 points to 2.4%, twelfth of 223 lenders, behind Bank of Hawaii, United Wholesale Mortgage and Walker & Dunlop. In Kahului-Wailuku, HI it rose 0.7 points to 1.7%, sixteenth of 154. It has reported in both since before 1990.
All its loans were conventional, and its typical loan of $255,000 is more than double peers' $105,000. None of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% at peers. It also bought 51 loans, where most similar lenders buy none.
Lending in one state and four counties puts 96.4% of its loans in majority-minority neighbourhoods. Its LMI (low- and moderate-income) borrower share, 17.4%, is lower than nearly nine in ten peers; its large loans and its weight in refinancing by existing owners are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hawaiiusa Federal Credit Union took 1,834 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.9% · Home improvement 26.0% · Purchase 15.2% · Other 13.9%
Conventional 100.0% · of 777 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 | 777 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 603 |
| Kahului-Wailuku | 78 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z6QWABFYI73E79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 269777 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51815 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hawaiiusa Federal Credit Union's data.
Hawaiiusa Federal Credit Union's data
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Hawaiiusa 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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