Nexera Holding in Hawaii vs the state
8.4%Denial rate-13.42 pts vs state
11.7%Decision denial rate-15.62 pts vs state
62.6%Origination rate+7.25 pts vs state
7.38%Median rate+1.22 pts vs state
0.80Rate spread (pts)+1.05 pts vs state
$298kMedian applicant income
67Loans originated
9Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 35 | 5.8% | 8.13% | #63 |
| 2024 | 128 | 83 | 6.3% | 7.75% | #44 |
| 2025 | 107 | 67 | 8.4% | 7.38% | #58 |
What Nexera Holding lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Nexera Holding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maui County | 48 | 27 | 5 | 10.4% |
| Honolulu County | 24 | 13 | 3 | 12.5% |
| Hawaii County | 21 | 15 | 1 | 4.8% |
| Kauai County | 14 | 12 | 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: 107 applications in 2025, of which 67 were originated and 9 denied.
8.4% of all applications, or 11.7% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Nexera Holding originated in Hawaii in 2025 was 7.38%, against a statewide median of 6.15%.
About this data. Figures are Nexera Holding'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