# HAWAII STATE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/hawaii-state-federal-credit-union


> **📋 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


HAWAII STATE FEDERAL CREDIT UNION is a credit union, headquartered in Honolulu, HI, with 127 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493005VBGFDRV6FSU19
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.286%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,245
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 127
- **Dollar Volume:** $62 million
- **Applications Received:** 179
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $488,622
- **Average Borrower Income:** $162,409
- **Average Property Value:** $713,819

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 123 | +0.279% | $4,285 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 104 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 108 | $54M | +0.346% | Sound ☺️ |
| Refinance | 44/100 | 19 | $8M | -0.087% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 127 | 1.40% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 121 | 87/100 |

## Where This Lender Ranks

HAWAII STATE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Hawaii Credit Unions
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Urban Honolulu, HI Credit Unions
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Hawaii for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Urban Honolulu, HI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does HAWAII STATE FEDERAL CREDIT UNION offer?

HAWAII STATE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HAWAII STATE FEDERAL CREDIT UNION offer mortgages?

HAWAII STATE FEDERAL CREDIT UNION offers mortgages in 1 states: HI.

### How competitive are HAWAII STATE FEDERAL CREDIT UNION's mortgage rates?

HAWAII STATE FEDERAL CREDIT UNION has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.286% above market average.

### What type of lender is HAWAII STATE FEDERAL CREDIT UNION?

HAWAII STATE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Honolulu, HI.

### What is HAWAII STATE FEDERAL CREDIT UNION's loan approval success rate?

HAWAII STATE FEDERAL CREDIT UNION has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hawaii-state-federal-credit-union

### How to Cite

> "HAWAII STATE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hawaii-state-federal-credit-union

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