Central Pacific Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
9th40.8% deniedPricingmedian rate spread over APOR, weight 30%
79th-0.56 ptsProcesswithdrawn + incomplete share, weight 15%
23rd17.6%Closing coststotal loan costs ÷ loan amount, weight 10%
77th2.12% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,287 | 628 | 35.4% | 41.5% | 5.88% | $248M |
| 2024 | 1,068 | 487 | 35.5% | 43.1% | 6.95% | $213M |
| 2025 | 1,519 | 720 | 33.6% | 40.8% | 6.13% | $318M |
What Central Pacific Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 887 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 183 investment properties.
Why Central Pacific Bank denies applications
Primary reason reported for each of the 510 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Central Pacific Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 94 | 14 | 81.6% |
| $50k – $100k | 284 | 122 | 47.7% |
| $100k – $150k | 379 | 189 | 39.5% |
| $150k – $250k | 370 | 192 | 32.9% |
| Over $250k | 336 | 181 | 28.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 8 | 37.5% |
| 25–34 | 190 | 115 | 22.0% |
| 35–44 | 350 | 172 | 39.5% |
| 45–54 | 327 | 146 | 43.4% |
| 55–64 | 320 | 127 | 50.8% |
| 65–74 | 207 | 107 | 38.0% |
| Over 74 | 99 | 41 | 46.4% |
Where Central Pacific Bank lends
1 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Hawaii | 1,519 | 720 | 33.6% | 6.13% | #7 |
Frequently asked questions
Central Pacific Bank denied 40.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of home-equity (HELOC) lenders.
The most common reason Central Pacific Bank gave in 2025 was "debt-to-income ratio", cited on 58.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Central Pacific Bank originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.56 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 40% of its applications were for home purchases, 30% for refinancing (including cash-out), and 30% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.