HAWAIIUSA FEDERAL CREDIT UNION
HAWAIIUSA FEDERAL CREDIT UNION received 1,833 applications in 2025 and made 777 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 5.650% on a median loan of $255,000. Of 1,640 decisions, 698 were denials — 42.6%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300Z6QWABFYI73E79 |
|---|---|
| Applications received | 1,833 |
| Mortgages made | 777 |
| Denied | 698 |
| Approved, not taken up | 165 |
| Withdrawn or incomplete | 193 |
| Loans bought from other lenders | 51 |
| Median rate spread over the prime offer rate | -1.08 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 | 118 | 5.875% | $445,000 | 24.5% |
| Refinancing | 334 | 5.500% | $295,000 | 34.7% |
| Cash-out refinancing | 15 | 5.875% | $535,000 | 14.3% |
| Other purposes | 310 | 5.900% | $155,000 | 52.2% |
Where HAWAIIUSA FEDERAL CREDIT UNION lends most
The 4 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 | 603 | 5.650% | 39.5% |
| Maui County, HI | 78 | 5.500% | 49.5% |
| Kauai County, HI | 49 | 5.500% | 53.4% |
| Hawaii County, HI | 47 | 5.875% | 51.7% |
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When HAWAIIUSA 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.