AAA Capital Investment in Hawaii vs the state
9.6%Denial rate-12.24 pts vs state
9.6%Decision denial rate-17.72 pts vs state
60.3%Origination rate+4.90 pts vs state
6.88%Median rate+0.72 pts vs state
0.51Rate spread (pts)+0.76 pts vs state
$187kMedian applicant income
44Loans originated
7Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 18 | 6 | 27.8% | 7.13% | #123 |
| 2025 | 73 | 44 | 9.6% | 6.88% | #71 |
What AAA Capital Investment lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most AAA Capital Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 60 | 37 | 5 | 8.3% |
| Hawaii County | 7 | 4 | 2 | 28.6% |
| Kauai County | 4 | 2 | 0 | 0.0% |
| Maui County | 2 | 1 | 0 | 0.0% |
Other large lenders in Hawaii
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bank of Hawaii | C | 3,679 | 27.8% | 6.00% |
| First Hawaiian Bank | B | 2,740 | 19.4% | 5.87% |
| American Savings Bank | C | 2,479 | 34.5% | 5.65% |
| Hawaiiusa Federal Credit Union | C | 1,833 | 38.1% | 5.65% |
| United Shore Financial Services | B | 1,710 | 11.1% | 6.13% |
| Rocket Mortgage | C | 1,637 | 22.4% | 6.63% |
| Central Pacific Bank | C | 1,519 | 33.6% | 6.13% |
| Hawaii State Federal Credit Union | C | 1,418 | 30.0% | 5.90% |
| Navy Federal Credit Union | D | 985 | 30.2% | 8.10% |
| Freedom Mortgage | B | 924 | 10.8% | 5.75% |
Frequently asked questions
Hawaii: 73 applications in 2025, of which 44 were originated and 7 denied.
9.6% of all applications, or 9.6% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans AAA Capital Investment originated in Hawaii in 2025 was 6.88%, against a statewide median of 6.15%.
About this data. Figures are AAA Capital Investment's own HMDA filing for properties located in Hawaii, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology