Better Mortgage in Hawaii vs the state
34.3%Denial rate+12.42 pts vs state
56.8%Decision denial rate+29.51 pts vs state
24.7%Origination rate-30.71 pts vs state
8.75%Median rate+2.60 pts vs state
1.41Rate spread (pts)+1.66 pts vs state
$200kMedian applicant income
36Loans originated
50Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 3 | 17.7% | 6.38% | #115 |
| 2024 | 39 | 10 | 18.0% | 6.63% | #90 |
| 2025 | 146 | 36 | 34.3% | 8.75% | #40 |
What Better Mortgage lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 73 | 20 | 26 | 35.6% |
| Hawaii County | 34 | 9 | 9 | 26.5% |
| Maui County | 24 | 5 | 8 | 33.3% |
| Kauai County | 15 | 2 | 7 | 46.7% |
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: 146 applications in 2025, of which 36 were originated and 50 denied.
34.3% of all applications, or 56.8% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Better Mortgage originated in Hawaii in 2025 was 8.75%, against a statewide median of 6.15%.
About this data. Figures are Better 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