American Financial Network in Hawaii vs the state
10.5%Denial rate-11.30 pts vs state
15.4%Decision denial rate-11.93 pts vs state
56.6%Origination rate+1.21 pts vs state
6.25%Median rate+0.10 pts vs state
-0.26Rate spread (pts)-0.01 pts vs state
$136kMedian applicant income
43Loans originated
8Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 41 | 10.7% | 6.88% | #57 |
| 2024 | 73 | 39 | 12.3% | 6.50% | #65 |
| 2025 | 76 | 43 | 10.5% | 6.25% | #69 |
What American Financial Network lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 42 | 27 | 5 | 11.9% |
| Hawaii County | 18 | 10 | 2 | 11.1% |
| Maui County | 8 | 3 | 1 | 12.5% |
| Kauai County | 8 | 3 | 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: 76 applications in 2025, of which 43 were originated and 8 denied.
10.5% of all applications, or 15.4% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans American Financial Network originated in Hawaii in 2025 was 6.25%, against a statewide median of 6.15%.
About this data. Figures are American Financial Network'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