Lendingone in Hawaii vs the state
20.7%Denial rate-1.11 pts vs state
62.2%Decision denial rate+34.85 pts vs state
12.6%Origination rate-42.76 pts vs state
9.49%Median rate+3.34 pts vs state
—Rate spread (pts)
—Median applicant income
14Loans originated
23Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 4 | 51.5% | — | #86 |
| 2024 | 15 | 2 | 53.3% | 10.99% | #135 |
| 2025 | 111 | 14 | 20.7% | 9.49% | #55 |
What Lendingone lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 55 | 3 | 7 | 12.7% |
| Hawaii County | 37 | 9 | 8 | 21.6% |
| Maui County | 16 | 2 | 6 | 37.5% |
| Kauai County | 3 | 0 | 2 | 66.7% |
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: 111 applications in 2025, of which 14 were originated and 23 denied.
20.7% of all applications, or 62.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Lendingone originated in Hawaii in 2025 was 9.49%, against a statewide median of 6.15%.
About this data. Figures are Lendingone'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