Homexpress Mortgage in Hawaii vs the state
38.0%Denial rate+16.14 pts vs state
38.2%Decision denial rate+10.92 pts vs state
61.4%Origination rate+5.99 pts vs state
7.38%Median rate+1.22 pts vs state
1.06Rate spread (pts)+1.31 pts vs state
$312kMedian applicant income
181Loans originated
112Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 43 | 43.4% | 8.25% | #52 |
| 2024 | 201 | 109 | 42.8% | 7.63% | #28 |
| 2025 | 295 | 181 | 38.0% | 7.38% | #24 |
What Homexpress Mortgage lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 117 | 63 | 53 | 45.3% |
| Hawaii County | 76 | 48 | 28 | 36.8% |
| Kauai County | 51 | 33 | 18 | 35.3% |
| Maui County | 51 | 37 | 13 | 25.5% |
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: 295 applications in 2025, of which 181 were originated and 112 denied.
38.0% of all applications, or 38.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Homexpress Mortgage originated in Hawaii in 2025 was 7.38%, against a statewide median of 6.15%.
About this data. Figures are Homexpress 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