Discover Bank in Hawaii vs the state
63.3%Denial rate+41.45 pts vs state
88.9%Decision denial rate+61.58 pts vs state
7.3%Origination rate-48.03 pts vs state
8.95%Median rate+2.80 pts vs state
2.58Rate spread (pts)+2.83 pts vs state
$120kMedian applicant income
13Loans originated
112Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 555 | 45 | 50.6% | 8.49% | #12 |
| 2024 | 632 | 51 | 56.7% | 8.49% | #13 |
| 2025 | 177 | 13 | 63.3% | 8.95% | #32 |
What Discover Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 105 | 8 | 61 | 58.1% |
| Hawaii County | 41 | 4 | 29 | 70.7% |
| Maui County | 26 | 1 | 18 | 69.2% |
| Kauai County | 5 | 0 | 4 | 80.0% |
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: 177 applications in 2025, of which 13 were originated and 112 denied.
63.3% of all applications, or 88.9% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Discover Bank originated in Hawaii in 2025 was 8.95%, against a statewide median of 6.15%.
About this data. Figures are Discover 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