Applications / Mortgage Analytics / Lenders / Hawaii / Hawaiian Financial Federal Credit Union
Honolulu, HI · Credit union · NCUA · $1.1 billion assets · 125 loans in 2025
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125
loans originated, 2025
126
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hawaiian Financial Federal Credit Union makes some of the biggest loans of any similar credit union, but it makes far fewer of them than it did a few years ago.
Its typical loan was $415,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at nearly all of them. Purchases were 70.4% of its loans and refinances the rest. Jumbo loans (larger than the conforming limit) were 5.7% of its lending. All of it is in Hawaii, across 4 counties.
It made 125 loans in 2025, down from 145 in 2024, while similar lenders grew 8% and the market 10%. From 2020 to 2022 it made between 522 and 563 loans a year, then 149 in 2023. The public data do not show what changed.
It ranks 24 of 223 lenders in Urban Honolulu, where it has lent since at least 1990, with 0.9% of lending, down from 1.1%. Bank of Hawaii leads there. In Kahului-Wailuku its share fell to 0.5% from 0.7%. Making fewer loans in a growing market is a possible reason for both falls.
Majority-minority areas took 85.6% of its loans, against 9.6% at peers. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 35.2%, a higher share than at about nine in ten. LMI borrowers took 19.2%, against 29.4%; its large purchase loans are a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hawaiian Financial Federal Credit Union took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.4% · Refinance 29.6%
Conventional 100.0% · of 125 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 | 125 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 115 |
| Kahului-Wailuku | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004NKDOFN55L5X23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 127073 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51717 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hawaiian Financial Federal Credit Union's data.
Hawaiian Financial Federal Credit Union's data
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Hawaiian Financial 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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