Angel Oak Mortgage Solutions in Hawaii vs the state
21.9%Denial rate+0.07 pts vs state
27.5%Decision denial rate+0.21 pts vs state
57.7%Origination rate+2.29 pts vs state
7.37%Median rate+1.22 pts vs state
1.16Rate spread (pts)+1.41 pts vs state
$240kMedian applicant income
79Loans originated
30Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 7 | 38.9% | 8.13% | #112 |
| 2024 | 51 | 33 | 15.7% | 7.63% | #76 |
| 2025 | 137 | 79 | 21.9% | 7.37% | #43 |
What Angel Oak Mortgage Solutions lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Angel Oak Mortgage Solutions applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hawaii County | 64 | 37 | 16 | 25.0% |
| Honolulu County | 52 | 28 | 9 | 17.3% |
| Kauai County | 12 | 10 | 2 | 16.7% |
| Maui County | 9 | 4 | 3 | 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: 137 applications in 2025, of which 79 were originated and 30 denied.
21.9% of all applications, or 27.5% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Angel Oak Mortgage Solutions originated in Hawaii in 2025 was 7.37%, against a statewide median of 6.15%.
About this data. Figures are Angel Oak Mortgage Solutions'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