LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Hawaii vs the state
10.9%Denial rate-10.96 pts vs state
16.1%Decision denial rate-11.18 pts vs state
39.1%Origination rate-16.24 pts vs state
6.06%Median rate-0.09 pts vs state
-0.37Rate spread (pts)-0.13 pts vs state
$201kMedian applicant income
18Loans originated
5Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 20.0% | 6.00% | #175 |
| 2024 | 10 | 7 | 10.0% | 6.37% | #152 |
| 2025 | 46 | 18 | 10.9% | 6.06% | #94 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 23 | 8 | 4 | 17.4% |
| Hawaii County | 16 | 6 | 0 | 0.0% |
| Maui County | 4 | 2 | 0 | 0.0% |
| Kauai County | 3 | 2 | 1 | 33.3% |
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: 46 applications in 2025, of which 18 were originated and 5 denied.
10.9% of all applications, or 16.1% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Hawaii in 2025 was 6.06%, against a statewide median of 6.15%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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