Citadel Servicing in Hawaii vs the state
1.6%Denial rate-20.27 pts vs state
1.6%Decision denial rate-25.70 pts vs state
76.3%Origination rate+20.88 pts vs state
7.25%Median rate+1.10 pts vs state
0.69Rate spread (pts)+0.94 pts vs state
$218kMedian applicant income
244Loans originated
5Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 102 | 5.4% | 8.63% | #32 |
| 2024 | 264 | 176 | 5.7% | 8.25% | #21 |
| 2025 | 320 | 244 | 1.6% | 7.25% | #22 |
What Citadel Servicing lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 230 | 175 | 4 | 1.7% |
| Maui County | 49 | 38 | 1 | 2.0% |
| Hawaii County | 27 | 19 | 0 | 0.0% |
| Kauai County | 14 | 12 | 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: 320 applications in 2025, of which 244 were originated and 5 denied.
1.6% of all applications, or 1.6% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Citadel Servicing originated in Hawaii in 2025 was 7.25%, against a statewide median of 6.15%.
About this data. Figures are Citadel Servicing'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