Applications / Mortgage Analytics / Lenders / Hawaii / University of Hawaii Federal Credit Union
Honolulu, HI · Credit union · NCUA · $926 million assets · 95 loans in 2025
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95
loans originated, 2025
127
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
University of Hawaii Federal Credit Union more than doubled its mortgage lending in 2025, to 95 loans, most of them home purchases, and gained share in Honolulu.
Its loans rose 132%, from 41 to 95, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. Few peers grew faster. The rise follows a slump: it made 62 loans in 2021 and just 24 in 2023. No year since 2018 comes close.
It works in one metro and two counties. In Urban Honolulu it ranks 25 of 223 lenders, and its share rose from 0.4% to 0.7%. Bank of Hawaii and United Wholesale Mortgage lead there. Purchases made up 76.8% of its loans.
Its typical loan was $525,000, several times the $95,000 at peers. Its typical rate, 5.75%, was lower than at more than nine in ten of them (6.75%), and none of its loans was higher-priced (a rate well above the average for similar loans).
It lends more than peers in low- and moderate-income (LMI) neighborhoods, 24.2% of loans against 17.3%. Its share to LMI borrowers is lower, 18.3% against 30.1%. Loans of its size usually go to higher earners, which may explain that. Almost all its lending, 99.0%, is in majority-minority neighborhoods, against 9.2% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. University of Hawaii Federal Credit Union took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.8% · Refinance 23.2%
Conventional 100.0% · of 95 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 | 95 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 94 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006P8VW9SIT9YP64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 744984 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510465 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: University of Hawaii Federal Credit Union's data.
University of Hawaii Federal Credit Union's data
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University of Hawaii 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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