Freedom Mortgage in Hawaii vs the state
10.8%Denial rate-11.01 pts vs state
15.4%Decision denial rate-11.88 pts vs state
55.8%Origination rate+0.47 pts vs state
5.75%Median rate-0.40 pts vs state
-0.43Rate spread (pts)-0.18 pts vs state
$152kMedian applicant income
516Loans originated
100Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 418 | 268 | 6.9% | 6.25% | #16 |
| 2024 | 1,075 | 725 | 6.9% | 6.13% | #8 |
| 2025 | 924 | 516 | 10.8% | 5.75% | #10 |
What Freedom Mortgage lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 716 | 423 | 72 | 10.1% |
| Hawaii County | 134 | 64 | 18 | 13.4% |
| Maui County | 57 | 21 | 9 | 15.8% |
| Kauai County | 17 | 8 | 1 | 5.9% |
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% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 924 applications in 2025, of which 516 were originated and 100 denied.
10.8% of all applications, or 15.4% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Freedom Mortgage originated in Hawaii in 2025 was 5.75%, against a statewide median of 6.15%.
About this data. Figures are Freedom Mortgage'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