RCN Capital in Hawaii vs the state
80.0%Denial rate+58.17 pts vs state
80.0%Decision denial rate+52.69 pts vs state
20.0%Origination rate-35.37 pts vs state
11.02%Median rate+4.87 pts vs state
—Rate spread (pts)
—Median applicant income
2Loans originated
8Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 2 | 33.3% | 11.99% | #122 |
| 2024 | 7 | 3 | 14.3% | 12.99% | #163 |
| 2025 | 10 | 2 | 80.0% | 11.02% | #169 |
What RCN Capital lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
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: 10 applications in 2025, of which 2 were originated and 8 denied.
80.0% of all applications, or 80.0% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans RCN Capital originated in Hawaii in 2025 was 11.02%, against a statewide median of 6.15%.
About this data. Figures are RCN Capital'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