HAWAII STATE FEDERAL CREDIT UNION
HAWAII STATE FEDERAL CREDIT UNION received 1,419 applications in 2025 and made 847 mortgages, in 5 counties across 2 states. The median rate its borrowers got was 5.900% on a median loan of $245,000. Of 1,285 decisions, 426 were denials — 33.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005VBGFDRV6FSU19 |
|---|---|
| Applications received | 1,419 |
| Mortgages made | 847 |
| Denied | 426 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 134 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.89 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 145 | 6.125% | $445,000 | 13.1% |
| Refinancing | 214 | 5.800% | $265,000 | 32.3% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 485 | 5.900% | $195,000 | 37.7% |
Where HAWAII STATE FEDERAL CREDIT UNION lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Honolulu County, HI | 713 | 5.900% | 33.3% |
| Maui County, HI | 104 | 5.900% | 33.1% |
| Hawaii County, HI | 15 | 5.900% | 31.8% |
| Kauai County, HI | 15 | 5.900% | 23.8% |
| Hamilton County, TN | 0 | Under 10 loans | 100.0% |
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When HAWAII STATE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.