Hawaiiusa Federal Credit Union Mortgage Rates, Fees & Info
Honolulu, HILEI: 549300Z6QWABFYI73E79
Tax ID: 99-0073436
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Hawaiiusa Federal Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Hawaiiusa Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Urban Honolulu, Kahului, and Hilo among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Hawaiiusa Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/18/24 |
| 30 Year Conventional Purchase | 5.43% | 4/18/24 |
| 30 Year Conventional Refi | 5.41% | 4/18/24 |
| 30 Year Cash-out Refi | 5.20% | 4/18/24 |
| 15 Year Conventional Purchase | 5.96% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hawaiiusa Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
364Origination Dollar Volume (All Markets)
$105,450,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| URBAN HONOLULU, HI (FHA|USDA|VA) | 324 | $98,930,000 | $305,340 | $0 | 0.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 30 | $4,030,000 | $134,333 | $0 | 0.00% |
| Hilo, HI (FHA|USDA|VA) | 10 | $2,490,000 | $249,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against HAWAIIUSA FEDERAL CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 62
Similarity Rank: 150
Similarity Rank: 225
Similarity Rank: 228
Similarity Rank: 244
Similarity Rank: 352
Similarity Rank: 515
Similarity Rank: 524
Similarity Rank: 575
Similarity Rank: 610
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 364 | $105,450,000 | $289,698 | $0 | 0.00% |
For 2019, Hawaiiusa Federal Credit Union's most frequently originated type of loan was Conventional, with 364 originations.
Loan Reason
For 2019, Hawaiiusa Federal Credit Union's most frequently cited loan purpose was Refi, with 124 originations. The 2nd most popular reason was Home Improvement, with 111 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 364 | $105,450,000 | $289,698 | $0 | 0.00% |
For 2019, Hawaiiusa Federal Credit Union's most frequently cited loan duration was Other, with 364 originations.
Loan Sizing
2019 saw Hawaiiusa Federal Credit Union place emphasis on $100k-200k loans with 104 originations, totaling $14,270,000 in origination value.
Applicant Income
Hawaiiusa Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 111 originations. The second most popular income band? $150k-250k, with 82 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 364 | $105,450,000 | $289,698 | $0 | 0.00% |
Hawaiiusa Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 364 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.22%
Hawaiiusa Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination80.49%
Hawaiiusa Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 364 | $105,450,000 | $289,698 |