BMO Bank in Hawaii vs the state
46.7%Denial rate+24.84 pts vs state
70.0%Decision denial rate+42.69 pts vs state
20.0%Origination rate-35.37 pts vs state
6.50%Median rate+0.35 pts vs state
0.23Rate spread (pts)+0.48 pts vs state
$292kMedian applicant income
3Loans originated
7Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 14 | 26.1% | 6.13% | #103 |
| 2024 | 43 | 23 | 20.9% | 6.63% | #87 |
| 2025 | 15 | 3 | 46.7% | 6.50% | #145 |
What BMO Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maui County | 7 | 0 | 5 | 71.4% |
| Hawaii County | 3 | 1 | 1 | 33.3% |
| Honolulu County | 3 | 2 | 0 | 0.0% |
| Kauai County | 2 | 0 | 1 | 50.0% |
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: 15 applications in 2025, of which 3 were originated and 7 denied.
46.7% of all applications, or 70.0% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans BMO Bank originated in Hawaii in 2025 was 6.50%, against a statewide median of 6.15%.
About this data. Figures are BMO 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