PFN Lending Group in Hawaii vs the state
30.0%Denial rate+8.17 pts vs state
31.6%Decision denial rate+4.27 pts vs state
65.0%Origination rate+9.63 pts vs state
7.38%Median rate+1.22 pts vs state
0.83Rate spread (pts)+1.08 pts vs state
$632kMedian applicant income
13Loans originated
6Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 7 | 8.3% | 8.25% | #125 |
| 2024 | 22 | 15 | 4.6% | 7.75% | #114 |
| 2025 | 20 | 13 | 30.0% | 7.38% | #131 |
What PFN Lending Group lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most PFN Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hawaii County | 10 | 8 | 1 | 10.0% |
| Honolulu County | 5 | 4 | 1 | 20.0% |
| Maui County | 5 | 1 | 4 | 80.0% |
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: 20 applications in 2025, of which 13 were originated and 6 denied.
30.0% of all applications, or 31.6% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans PFN Lending Group originated in Hawaii in 2025 was 7.38%, against a statewide median of 6.15%.
About this data. Figures are PFN Lending Group'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