Hawaii State Federal Credit Union mortgage approval rate & lending review
Hawaii State Federal Credit Union decided 2,687 mortgage applications and funded 1,890 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hawaii State Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hawaii State Federal Credit Union at a glance
Approval is 0.7 points above the 70.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 386 / 444 | 99% | $395K | 383 |
| Home improvement loans | 69% | 937 / 1,362 | 99% | $175K | 927 |
| Cash-out refinance | 85% | 33 / 39 | 94% | $495K | 31 |
| Refinance | 70% | 488 / 694 | 99% | $255K | 482 |
| Investment refinance | 37% | 14 / 38 | 100% | $205K | 14 |
| Investment home improvement | 44% | 38 / 86 | 100% | $185K | 38 |
Hawaii State Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 71% | $185K | 2,684 | 1,890 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hawaii State Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Home improvement loans | 69% | 1,106 | 749 |
| Honolulu County, HI | Refinance | 71% | 605 | 426 |
| Honolulu County, HI | Mortgage lenders | 88% | 419 | 364 |
| Maui County, HI | Home improvement loans | 72% | 237 | 169 |
| Maui County, HI | Refinance | 65% | 77 | 50 |
| Honolulu County, HI | Cash-out refinance | 84% | 37 | 29 |
| Honolulu County, HI | Investment refinance | 39% | 31 | 12 |
The county markets where Hawaii State Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Hawaii State Federal Credit Union
What is Hawaii State Federal Credit Union's mortgage approval rate?
Hawaii State Federal Credit Union approved 71.2% of the 2,687 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.7 points above the 70.5% national rate for the same mix of loan types.
How often do borrowers take the loan Hawaii State Federal Credit Union offers?
Borrowers accepted 99% of the loans Hawaii State Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hawaii State Federal Credit Union make?
The typical home improvement loan loan Hawaii State Federal Credit Union made was $175K; across all loan types its typical loan ran from $175K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hawaii State Federal Credit Union lend?
Hawaii State Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Hawaii, California and Colorado.
Can I apply to Hawaii State Federal Credit Union directly?
Yes. Hawaii State Federal Credit Union is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hawaii State Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hawaii State Federal Credit Union treats applications, then get a rate quote from the lender.