Kind Lending in Hawaii vs the state
28.7%Denial rate+6.90 pts vs state
31.3%Decision denial rate+3.99 pts vs state
61.9%Origination rate+6.57 pts vs state
6.63%Median rate+0.47 pts vs state
0.13Rate spread (pts)+0.38 pts vs state
$172kMedian applicant income
166Loans originated
77Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 125 | 26.6% | 6.13% | #29 |
| 2024 | 273 | 167 | 30.8% | 6.63% | #20 |
| 2025 | 268 | 166 | 28.7% | 6.63% | #25 |
What Kind Lending lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 158 | 87 | 56 | 35.4% |
| Hawaii County | 59 | 42 | 13 | 22.0% |
| Maui County | 35 | 24 | 7 | 20.0% |
| Kauai County | 16 | 13 | 1 | 6.3% |
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: 268 applications in 2025, of which 166 were originated and 77 denied.
28.7% of all applications, or 31.3% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Kind Lending originated in Hawaii in 2025 was 6.63%, against a statewide median of 6.15%.
About this data. Figures are Kind Lending'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