Bank of Hawaii in Hawaii vs the state
27.8%Denial rate+5.95 pts vs state
33.7%Decision denial rate+6.37 pts vs state
53.6%Origination rate-1.74 pts vs state
6.00%Median rate-0.15 pts vs state
-0.59Rate spread (pts)-0.34 pts vs state
$166kMedian applicant income
1,973Loans originated
1,022Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,449 | 1,808 | 32.6% | 5.63% | #1 |
| 2024 | 2,714 | 1,212 | 36.6% | 6.99% | #1 |
| 2025 | 3,679 | 1,973 | 27.8% | 6.00% | #1 |
What Bank of Hawaii lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Bank of Hawaii applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 2,623 | 1,473 | 652 | 24.9% |
| Hawaii County | 498 | 235 | 179 | 35.9% |
| Maui County | 371 | 180 | 117 | 31.5% |
| Kauai County | 185 | 84 | 73 | 39.5% |
Other large lenders in Hawaii
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 3,679 applications in 2025, of which 1,973 were originated and 1,022 denied.
27.8% of all applications, or 33.7% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Bank of Hawaii originated in Hawaii in 2025 was 6.00%, against a statewide median of 6.15%.
About this data. Figures are Bank of Hawaii'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