American Savings Bank in Hawaii vs the state
34.5%Denial rate+12.62 pts vs state
37.1%Decision denial rate+9.76 pts vs state
57.1%Origination rate+1.75 pts vs state
5.65%Median rate-0.50 pts vs state
-0.70Rate spread (pts)-0.45 pts vs state
$140kMedian applicant income
1,416Loans originated
854Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,596 | 1,487 | 31.7% | 5.50% | #3 |
| 2024 | 1,877 | 993 | 37.2% | 6.63% | #3 |
| 2025 | 2,479 | 1,416 | 34.5% | 5.65% | #3 |
What American Savings Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 1,788 | 1,055 | 566 | 31.7% |
| Maui County | 317 | 161 | 141 | 44.5% |
| Hawaii County | 237 | 127 | 91 | 38.4% |
| Kauai County | 137 | 73 | 56 | 40.9% |
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% |
| 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% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 2,479 applications in 2025, of which 1,416 were originated and 854 denied.
34.5% of all applications, or 37.1% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans American Savings Bank originated in Hawaii in 2025 was 5.65%, against a statewide median of 6.15%.
About this data. Figures are American Savings Bank'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