# University of Hawaii Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/university-of-hawaii-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


University of Hawaii Federal Credit Union is a credit union, headquartered in Honolulu, HI, with 38 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549006P8VW9SIT9YP64
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 65.4%
- **Brokered/Wholesale:** 34.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.841%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $6,027
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 38
- **Dollar Volume:** $23 million
- **Applications Received:** 52
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $598,421
- **Average Borrower Income:** $242,579
- **Average Property Value:** $1,010,789

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 34 | -0.841% | $6,027 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 31 | $18M | -0.823% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 38 | 0.42% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 36 | 70/100 |

## Where This Lender Ranks

University of Hawaii Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Hawaii Credit Unions
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Hawaii for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Urban Honolulu, HI Credit Unions
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/credit-unions)
- 🥉 **#3** 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)
- 🏆 **#17** in Urban Honolulu, HI
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does University of Hawaii Federal Credit Union offer?

University of Hawaii 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 University of Hawaii Federal Credit Union offer mortgages?

University of Hawaii Federal Credit Union offers mortgages in 1 states: HI.

### How competitive are University of Hawaii Federal Credit Union's mortgage rates?

University of Hawaii Federal Credit Union has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.841% below market average.

### What type of lender is University of Hawaii Federal Credit Union?

University of Hawaii Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Honolulu, HI.

### What is University of Hawaii Federal Credit Union's loan approval success rate?

University of Hawaii Federal Credit Union has a pull-through score of 41/100 (Sound). 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/university-of-hawaii-federal-credit-union

### How to Cite

> "University of Hawaii Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/university-of-hawaii-federal-credit-union

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