American Pacific Mortgage in Hawaii vs the state
17.2%Denial rate-4.64 pts vs state
23.9%Decision denial rate-3.40 pts vs state
54.7%Origination rate-0.68 pts vs state
6.75%Median rate+0.60 pts vs state
0.44Rate spread (pts)+0.69 pts vs state
$157kMedian applicant income
35Loans originated
11Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 312 | 222 | 6.4% | 6.25% | #23 |
| 2024 | 101 | 73 | 7.9% | 6.75% | #51 |
| 2025 | 64 | 35 | 17.2% | 6.75% | #79 |
What American Pacific Mortgage lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maui County | 23 | 17 | 3 | 13.0% |
| Hawaii County | 23 | 14 | 3 | 13.0% |
| Honolulu County | 12 | 2 | 3 | 25.0% |
| Kauai County | 6 | 2 | 2 | 33.3% |
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: 64 applications in 2025, of which 35 were originated and 11 denied.
17.2% of all applications, or 23.9% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans American Pacific Mortgage originated in Hawaii in 2025 was 6.75%, against a statewide median of 6.15%.
About this data. Figures are American Pacific Mortgage'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