Flagstar Bank in Hawaii vs the state
39.3%Denial rate+17.46 pts vs state
55.0%Decision denial rate+27.69 pts vs state
32.1%Origination rate-23.23 pts vs state
5.88%Median rate-0.28 pts vs state
-0.46Rate spread (pts)-0.21 pts vs state
$158kMedian applicant income
9Loans originated
11Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 33 | 26.7% | 7.50% | #50 |
| 2024 | 81 | 35 | 32.1% | 6.88% | #60 |
| 2025 | 28 | 9 | 39.3% | 5.88% | #118 |
What Flagstar Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 19 | 5 | 8 | 42.1% |
| Hawaii County | 5 | 3 | 2 | 40.0% |
| Maui County | 3 | 1 | 0 | 0.0% |
| Kauai County | 1 | 0 | 1 | 100.0% |
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: 28 applications in 2025, of which 9 were originated and 11 denied.
39.3% of all applications, or 55.0% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Flagstar Bank originated in Hawaii in 2025 was 5.88%, against a statewide median of 6.15%.
About this data. Figures are Flagstar 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