Cardinal Financial Company, Limited Partnership in Hawaii vs the state
6.5%Denial rate-15.38 pts vs state
7.1%Decision denial rate-20.17 pts vs state
64.5%Origination rate+9.15 pts vs state
6.19%Median rate+0.04 pts vs state
0.10Rate spread (pts)+0.35 pts vs state
$119kMedian applicant income
20Loans originated
2Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 24 | 7.7% | 6.25% | #74 |
| 2024 | 20 | 11 | 10.0% | 6.25% | #120 |
| 2025 | 31 | 20 | 6.5% | 6.19% | #111 |
What Cardinal Financial Company, Limited Partnership lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 23 | 16 | 1 | 4.3% |
| Maui County | 6 | 2 | 1 | 16.7% |
| Hawaii County | 1 | 1 | 0 | 0.0% |
| Kauai County | 1 | 1 | 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: 31 applications in 2025, of which 20 were originated and 2 denied.
6.5% of all applications, or 7.1% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Hawaii in 2025 was 6.19%, against a statewide median of 6.15%.
About this data. Figures are Cardinal Financial Company, Limited Partnership'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