Clearpath Lending in Hawaii vs the state
6.3%Denial rate-15.58 pts vs state
9.1%Decision denial rate-18.22 pts vs state
62.5%Origination rate+7.13 pts vs state
5.50%Median rate-0.65 pts vs state
-0.84Rate spread (pts)-0.59 pts vs state
$179kMedian applicant income
10Loans originated
1Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 7 | 9.1% | 5.75% | #130 |
| 2024 | 14 | 7 | 21.4% | 5.25% | #137 |
| 2025 | 16 | 10 | 6.3% | 5.50% | #142 |
What Clearpath Lending lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 9 | 5 | 1 | 11.1% |
| Hawaii County | 5 | 5 | 0 | 0.0% |
| Maui County | 2 | 0 | 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: 16 applications in 2025, of which 10 were originated and 1 denied.
6.3% of all applications, or 9.1% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Clearpath Lending originated in Hawaii in 2025 was 5.50%, against a statewide median of 6.15%.
About this data. Figures are Clearpath Lending'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