OCMBC in Hawaii vs the state
21.8%Denial rate-0.01 pts vs state
30.8%Decision denial rate+3.46 pts vs state
40.0%Origination rate-15.37 pts vs state
7.12%Median rate+0.97 pts vs state
1.17Rate spread (pts)+1.42 pts vs state
$198kMedian applicant income
22Loans originated
12Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 28 | 26.1% | 7.87% | #62 |
| 2024 | 97 | 31 | 26.8% | 7.38% | #52 |
| 2025 | 55 | 22 | 21.8% | 7.12% | #85 |
What OCMBC lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 25 | 9 | 6 | 24.0% |
| Hawaii County | 14 | 6 | 2 | 14.3% |
| Maui County | 11 | 4 | 4 | 36.4% |
| Kauai County | 5 | 3 | 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: 55 applications in 2025, of which 22 were originated and 12 denied.
21.8% of all applications, or 30.8% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans OCMBC originated in Hawaii in 2025 was 7.12%, against a statewide median of 6.15%.
About this data. Figures are OCMBC'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