Finance Factors in Hawaii vs the state
12.1%Denial rate-9.78 pts vs state
17.0%Decision denial rate-10.36 pts vs state
57.8%Origination rate+2.46 pts vs state
—Median rate
—Rate spread (pts)
$190kMedian applicant income
48Loans originated
10Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 76 | 18.8% | — | #34 |
| 2024 | 86 | 51 | 14.0% | — | #56 |
| 2025 | 83 | 48 | 12.1% | — | #68 |
What Finance Factors lends in Hawaii
By loan purpose
By loan type
Where in Hawaii
Counties with the most Finance Factors applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 47 | 31 | 4 | 8.5% |
| Hawaii County | 24 | 9 | 5 | 20.8% |
| Maui County | 10 | 7 | 1 | 10.0% |
| Kauai County | 2 | 1 | 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: 83 applications in 2025, of which 48 were originated and 10 denied.
12.1% of all applications, or 17.0% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Finance Factors'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