New Day Financial in Hawaii vs the state
31.6%Denial rate+9.75 pts vs state
79.0%Decision denial rate+51.64 pts vs state
6.3%Origination rate-49.05 pts vs state
6.62%Median rate+0.47 pts vs state
0.51Rate spread (pts)+0.76 pts vs state
$91kMedian applicant income
6Loans originated
30Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 10 | 33.3% | 8.12% | #47 |
| 2024 | 107 | 8 | 30.8% | 7.75% | #49 |
| 2025 | 95 | 6 | 31.6% | 6.62% | #62 |
What New Day Financial lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 73 | 6 | 21 | 28.8% |
| Hawaii County | 18 | 0 | 7 | 38.9% |
| Maui County | 3 | 0 | 2 | 66.7% |
| Kauai County | 1 | 0 | 0 | 0.0% |
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: 95 applications in 2025, of which 6 were originated and 30 denied.
31.6% of all applications, or 79.0% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans New Day Financial originated in Hawaii in 2025 was 6.62%, against a statewide median of 6.15%.
About this data. Figures are New Day Financial'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