# Best Credit Union Mortgage Lenders in Hawaii

**As of:** 2026-05-23

Compare the top credit unions offering mortgages in Hawaii. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/hawaii/best-mortgage-lenders/credit-unions


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 88
- **Total Loans:** 8,763
- **Median Rate Spread:** 0.20390697674418606%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 110 | Credit Union |
| 2 | HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 68 | 36 | 75 | 139 | Credit Union |
| 3 | University of Hawaii Federal Credit Union | 66 | 41 | 41 | 38 | Credit Union |
| 4 | HAWAII STATE FEDERAL CREDIT UNION | 54 | 13 | 70 | 127 | Credit Union |
| 5 | HAWAIIUSA FEDERAL CREDIT UNION | 46 | 20 | 47 | 54 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Hawaii.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.