Central Pacific Bank in Hawaii vs the state
33.6%Denial rate+11.74 pts vs state
40.8%Decision denial rate+13.46 pts vs state
47.4%Origination rate-7.97 pts vs state
6.13%Median rate-0.03 pts vs state
-0.56Rate spread (pts)-0.31 pts vs state
$146kMedian applicant income
720Loans originated
510Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,287 | 628 | 35.4% | 5.88% | #7 |
| 2024 | 1,068 | 487 | 35.5% | 6.95% | #9 |
| 2025 | 1,519 | 720 | 33.6% | 6.13% | #7 |
What Central Pacific Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Central Pacific Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 1,127 | 576 | 350 | 31.1% |
| Hawaii County | 183 | 74 | 79 | 43.2% |
| Maui County | 157 | 53 | 58 | 36.9% |
| Kauai County | 52 | 17 | 23 | 44.2% |
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% |
| 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: 1,519 applications in 2025, of which 720 were originated and 510 denied.
33.6% of all applications, or 40.8% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Central Pacific Bank originated in Hawaii in 2025 was 6.13%, against a statewide median of 6.15%.
About this data. Figures are Central Pacific 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