Applications / Mortgage Analytics / Lenders / Hawaii / Lokahi Federal Credit Union
Pearl City, HI · Credit union · NCUA · $699 million assets · 119 loans in 2025
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119
loans originated, 2025
181
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lokahi Federal Credit Union lends almost entirely in majority-minority neighborhoods of Hawaii, and mostly to improve homes or for other purposes rather than to buy them.
Other purposes made up 40.3% of its loans and home improvement 32.8%; purchases only 5.0%. All were conventional. Its typical loan was $135,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
Majority-minority neighborhoods took 97.5% of its loans, against 9.5% at peers, more than at almost all of them. Its lending in two Hawaii counties is a possible reason. Low- and moderate-income (LMI) borrowers took 11.8%, against 29.2%; lending mostly to people who already own homes may be one reason.
Its loans rose 8%, the same as at similar lenders, against 10% for the whole market. It made 376 loans in 2023 and 110 in 2024, so it is well below that peak.
In Urban Honolulu, HI, where it has lent since at least 1990, it ranks 57 of 223 lenders with 0.2% of the market, down 0.1 points; Bank of Hawaii leads. With so few loans, a small change moves its share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lokahi Federal Credit Union took 181 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.3% · Home improvement 32.8% · Refinance 21.8% · Purchase 5.0%
Conventional 100.0% · of 119 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 | 119 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 118 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DSPT6YGS1ZLR56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 253271 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51733 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Lokahi Federal Credit Union's data.
Lokahi Federal Credit Union's data
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Lokahi 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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