Citibank in Hawaii vs the state
21.6%Denial rate-0.26 pts vs state
39.3%Decision denial rate+11.98 pts vs state
31.4%Origination rate-24.00 pts vs state
5.56%Median rate-0.59 pts vs state
-0.32Rate spread (pts)-0.07 pts vs state
$376kMedian applicant income
16Loans originated
11Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 18 | 3.0% | 5.44% | #87 |
| 2024 | 53 | 28 | 13.2% | 6.13% | #73 |
| 2025 | 51 | 16 | 21.6% | 5.56% | #87 |
What Citibank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 16 | 6 | 2 | 12.5% |
| Hawaii County | 14 | 5 | 3 | 21.4% |
| Maui County | 12 | 4 | 2 | 16.7% |
| Kauai County | 9 | 1 | 4 | 44.4% |
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: 51 applications in 2025, of which 16 were originated and 11 denied.
21.6% of all applications, or 39.3% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Citibank originated in Hawaii in 2025 was 5.56%, against a statewide median of 6.15%.
About this data. Figures are Citibank'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