First Hawaiian Bank in Hawaii vs the state
19.4%Denial rate-2.41 pts vs state
24.2%Decision denial rate-3.13 pts vs state
57.9%Origination rate+2.51 pts vs state
5.87%Median rate-0.28 pts vs state
-0.79Rate spread (pts)-0.54 pts vs state
$147kMedian applicant income
1,586Loans originated
532Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,752 | 1,592 | 20.7% | 5.63% | #2 |
| 2024 | 2,271 | 1,256 | 23.7% | 6.95% | #2 |
| 2025 | 2,740 | 1,586 | 19.4% | 5.87% | #2 |
What First Hawaiian Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most First Hawaiian Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 1,850 | 1,097 | 350 | 18.9% |
| Hawaii County | 375 | 204 | 90 | 24.0% |
| Maui County | 291 | 171 | 51 | 17.5% |
| Kauai County | 224 | 114 | 41 | 18.3% |
Other large lenders in Hawaii
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bank of Hawaii | C | 3,679 | 27.8% | 6.00% |
| 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% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 2,740 applications in 2025, of which 1,586 were originated and 532 denied.
19.4% of all applications, or 24.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans First Hawaiian Bank originated in Hawaii in 2025 was 5.87%, against a statewide median of 6.15%.
About this data. Figures are First Hawaiian 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