American Financing in Hawaii vs the state
55.2%Denial rate+33.39 pts vs state
82.2%Decision denial rate+54.91 pts vs state
9.0%Origination rate-46.41 pts vs state
6.50%Median rate+0.35 pts vs state
0.29Rate spread (pts)+0.53 pts vs state
$116kMedian applicant income
6Loans originated
37Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 2 | 54.1% | 8.81% | #78 |
| 2024 | 64 | 6 | 64.1% | 6.50% | #67 |
| 2025 | 67 | 6 | 55.2% | 6.50% | #76 |
What American Financing lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 40 | 3 | 20 | 50.0% |
| Hawaii County | 14 | 2 | 10 | 71.4% |
| Maui County | 8 | 1 | 5 | 62.5% |
| Kauai County | 5 | 0 | 2 | 40.0% |
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: 67 applications in 2025, of which 6 were originated and 37 denied.
55.2% of all applications, or 82.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans American Financing originated in Hawaii in 2025 was 6.50%, against a statewide median of 6.15%.
About this data. Figures are American Financing'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