Champions Funding in Hawaii vs the state
31.3%Denial rate+9.51 pts vs state
40.8%Decision denial rate+13.47 pts vs state
44.8%Origination rate-10.59 pts vs state
7.69%Median rate+1.54 pts vs state
2.34Rate spread (pts)+2.59 pts vs state
$428kMedian applicant income
60Loans originated
42Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 12 | 51.9% | 8.50% | #94 |
| 2024 | 48 | 26 | 29.2% | 9.13% | #83 |
| 2025 | 134 | 60 | 31.3% | 7.69% | #46 |
What Champions Funding lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 69 | 32 | 23 | 33.3% |
| Maui County | 28 | 9 | 12 | 42.9% |
| Hawaii County | 25 | 15 | 3 | 12.0% |
| Kauai County | 12 | 4 | 4 | 33.3% |
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: 134 applications in 2025, of which 60 were originated and 42 denied.
31.3% 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 Champions Funding originated in Hawaii in 2025 was 7.69%, against a statewide median of 6.15%.
About this data. Figures are Champions Funding'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