# HAWAIIAN FINANCIAL FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/hawaiian-financial-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


HAWAIIAN FINANCIAL FEDERAL CREDIT UNION is a credit union, headquartered in Honolulu, HI, with 139 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004NKDOFN55L5X23
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 2
- **Primary Channel:** mix
- **Direct Origination:** 39.6%
- **Brokered/Wholesale:** 60.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.310%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,352
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 139
- **Dollar Volume:** $78 million
- **Applications Received:** 149
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $563,129
- **Average Borrower Income:** $286,820
- **Average Property Value:** $960,899

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 136 | -0.310% | $5,352 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 99 loans, Score: 49/100 (Sound)
- Refinance: 37 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 101 | $59M | -0.182% | Sound ☺️ |
| Refinance | 56/100 | 38 | $19M | -0.509% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 139 | 1.53% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 120 | 87/100 |
| Kahului | HI | 13 | 53/100 |

## Where This Lender Ranks

HAWAIIAN FINANCIAL FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Hawaii Credit Unions
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Hawaii for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Urban Honolulu, HI Credit Unions
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** 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)
- 🏆 **#12** in Urban Honolulu, HI
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders)
- 🏆 **#16** in Kahului for Conventional Loans
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Hawaii
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does HAWAIIAN FINANCIAL FEDERAL CREDIT UNION offer?

HAWAIIAN FINANCIAL 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 HAWAIIAN FINANCIAL FEDERAL CREDIT UNION offer mortgages?

HAWAIIAN FINANCIAL FEDERAL CREDIT UNION offers mortgages in 1 states: HI.

### How competitive are HAWAIIAN FINANCIAL FEDERAL CREDIT UNION's mortgage rates?

HAWAIIAN FINANCIAL FEDERAL CREDIT UNION has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.310% below market average.

### What type of lender is HAWAIIAN FINANCIAL FEDERAL CREDIT UNION?

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

### What is HAWAIIAN FINANCIAL FEDERAL CREDIT UNION's loan approval success rate?

HAWAIIAN FINANCIAL FEDERAL CREDIT UNION has a pull-through score of 75/100 (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/hawaiian-financial-federal-credit-union

### How to Cite

> "HAWAIIAN FINANCIAL FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hawaiian-financial-federal-credit-union

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