Guaranteed Rate in Hawaii vs the state
5.4%Denial rate-16.48 pts vs state
8.3%Decision denial rate-19.06 pts vs state
57.8%Origination rate+2.46 pts vs state
6.50%Median rate+0.35 pts vs state
0.09Rate spread (pts)+0.34 pts vs state
$174kMedian applicant income
443Loans originated
41Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 552 | 309 | 5.4% | 6.53% | #13 |
| 2024 | 714 | 443 | 5.9% | 6.60% | #11 |
| 2025 | 766 | 443 | 5.4% | 6.50% | #13 |
What Guaranteed Rate lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 409 | 233 | 23 | 5.6% |
| Maui County | 181 | 107 | 8 | 4.4% |
| Hawaii County | 104 | 69 | 4 | 3.8% |
| Kauai County | 72 | 34 | 6 | 8.3% |
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: 766 applications in 2025, of which 443 were originated and 41 denied.
5.4% of all applications, or 8.3% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Guaranteed Rate originated in Hawaii in 2025 was 6.50%, against a statewide median of 6.15%.
About this data. Figures are Guaranteed Rate'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