Sierra Pacific Mortgage Company in Hawaii vs the state
13.5%Denial rate-8.37 pts vs state
17.5%Decision denial rate-9.81 pts vs state
61.5%Origination rate+6.17 pts vs state
6.88%Median rate+0.72 pts vs state
0.22Rate spread (pts)+0.47 pts vs state
$162kMedian applicant income
32Loans originated
7Denied
What Sierra Pacific Mortgage Company lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 28 | 13 | 6 | 21.4% |
| Hawaii County | 15 | 11 | 1 | 6.7% |
| Maui County | 7 | 6 | 0 | 0.0% |
| Kauai County | 2 | 2 | 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: 52 applications in 2025, of which 32 were originated and 7 denied.
13.5% of all applications, or 17.5% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Sierra Pacific Mortgage Company originated in Hawaii in 2025 was 6.88%, against a statewide median of 6.15%.
About this data. Figures are Sierra Pacific Mortgage Company'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