HomeStreet Bank in Hawaii vs the state
37.9%Denial rate+16.10 pts vs state
48.9%Decision denial rate+21.58 pts vs state
37.9%Origination rate-17.44 pts vs state
6.00%Median rate-0.15 pts vs state
0.13Rate spread (pts)+0.37 pts vs state
$123kMedian applicant income
22Loans originated
22Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 37 | 34.7% | 6.63% | #43 |
| 2024 | 93 | 27 | 47.3% | 6.00% | #54 |
| 2025 | 58 | 22 | 37.9% | 6.00% | #81 |
What HomeStreet Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most HomeStreet Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hawaii County | 24 | 9 | 7 | 29.2% |
| Honolulu County | 22 | 9 | 10 | 45.5% |
| Maui County | 12 | 4 | 5 | 41.7% |
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: 58 applications in 2025, of which 22 were originated and 22 denied.
37.9% of all applications, or 48.9% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans HomeStreet Bank originated in Hawaii in 2025 was 6.00%, against a statewide median of 6.15%.
About this data. Figures are HomeStreet 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