Arc Home in Hawaii vs the state
8.1%Denial rate-13.72 pts vs state
13.6%Decision denial rate-13.67 pts vs state
51.4%Origination rate-4.02 pts vs state
6.88%Median rate+0.72 pts vs state
0.50Rate spread (pts)+0.75 pts vs state
$387kMedian applicant income
19Loans originated
3Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 21 | 10 | 19.1% | 7.69% | #117 |
| 2025 | 37 | 19 | 8.1% | 6.88% | #102 |
What Arc Home lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 15 | 9 | 2 | 13.3% |
| Maui County | 13 | 4 | 0 | 0.0% |
| Kauai County | 5 | 4 | 1 | 20.0% |
| Hawaii County | 4 | 2 | 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: 37 applications in 2025, of which 19 were originated and 3 denied.
8.1% of all applications, or 13.6% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Arc Home originated in Hawaii in 2025 was 6.88%, against a statewide median of 6.15%.
About this data. Figures are Arc Home'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