Hawaiian Financial Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st0.0% deniedPricingmedian rate spread over APOR, weight 30%
95th-0.06 ptsProcesswithdrawn + incomplete share, weight 15%
87th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
53rd3.35% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 153 | 149 | 1.3% | 1.3% | 5.75% | $81M |
| 2024 | 156 | 145 | 5.8% | 5.8% | 6.38% | $79M |
| 2025 | 126 | 125 | 0.0% | 0.0% | 6.13% | $79M |
What Hawaiian Financial Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 69 investment properties.
Who gets approved at Hawaiian Financial Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 20 | 20 | 0.0% |
| $100k – $150k | 23 | 23 | 0.0% |
| $150k – $250k | 36 | 35 | 0.0% |
| Over $250k | 46 | 46 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 29 | 29 | 0.0% |
| 45–54 | 37 | 36 | 0.0% |
| 55–64 | 24 | 24 | 0.0% |
Where Hawaiian Financial Federal Credit Union lends
1 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Hawaii | 126 | 125 | 0.0% | 6.13% | #50 |
Frequently asked questions
Hawaiian Financial Federal Credit Union denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of investment-property lenders.
The median interest rate on loans Hawaiian Financial Federal Credit Union originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 70% of its applications were for home purchases, 30% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.