Guild Mortgage in Hawaii vs the state
7.2%Denial rate-14.66 pts vs state
9.3%Decision denial rate-18.00 pts vs state
64.8%Origination rate+9.38 pts vs state
6.62%Median rate+0.47 pts vs state
0.25Rate spread (pts)+0.50 pts vs state
$147kMedian applicant income
316Loans originated
35Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 127 | 6.0% | 6.88% | #30 |
| 2024 | 513 | 331 | 6.4% | 6.63% | #17 |
| 2025 | 488 | 316 | 7.2% | 6.62% | #18 |
What Guild Mortgage lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 270 | 176 | 17 | 6.3% |
| Hawaii County | 181 | 120 | 13 | 7.2% |
| Maui County | 28 | 13 | 4 | 14.3% |
| Kauai County | 9 | 7 | 1 | 11.1% |
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: 488 applications in 2025, of which 316 were originated and 35 denied.
7.2% of all applications, or 9.3% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Guild Mortgage originated in Hawaii in 2025 was 6.62%, against a statewide median of 6.15%.
About this data. Figures are Guild 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