Mortgage Hawaii in Hawaii vs the state
1.4%Denial rate-20.42 pts vs state
1.4%Decision denial rate-25.90 pts vs state
98.6%Origination rate+43.22 pts vs state
6.13%Median rate-0.03 pts vs state
-0.57Rate spread (pts)-0.32 pts vs state
$158kMedian applicant income
70Loans originated
1Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 23 | 0.0% | 6.00% | #99 |
| 2024 | 12 | 12 | 0.0% | 6.06% | #144 |
| 2025 | 71 | 70 | 1.4% | 6.13% | #72 |
What Mortgage Hawaii lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Mortgage Hawaii applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 71 | 70 | 1 | 1.4% |
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: 71 applications in 2025, of which 70 were originated and 1 denied.
1.4% of all applications, or 1.4% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Mortgage Hawaii originated in Hawaii in 2025 was 6.13%, against a statewide median of 6.15%.
About this data. Figures are Mortgage Hawaii'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