Safe Rate Rankings

Best Conventional Mortgage Credit Union Lenders in Hawaii

Updated May 23, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders88
Total Loans8,763
Median Rate Spread0.20%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Sound
Strong
$1,159Fees
0.551%Below
110
2
HAWAIIAN FINANCIAL FEDERAL CREDIT UNIONCredit Union
Strong
Acceptable
Sound
Exceptional
Exceptional
$5,352Fees
0.310%Below
139
3
University of Hawaii Federal Credit UnionCredit Union
Strong
Sound
Acceptable
Sound
Strong
$6,027Fees
0.841%Below
38
4
HAWAII STATE FEDERAL CREDIT UNIONCredit Union
Sound
Mediocre
Sound
Strong
Exceptional
$4,245Fees
0.286%Above
127
5
HAWAIIUSA FEDERAL CREDIT UNIONCredit Union
Sound
Acceptable
Acceptable
Strong
Strong
$5,426Fees
0.180%Above
54

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.