Sofi Bank in Hawaii vs the state
10.0%Denial rate-11.83 pts vs state
39.5%Decision denial rate+12.22 pts vs state
14.1%Origination rate-41.25 pts vs state
8.02%Median rate+1.87 pts vs state
1.92Rate spread (pts)+2.17 pts vs state
$144kMedian applicant income
24Loans originated
17Denied
What Sofi Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 108 | 13 | 8 | 7.4% |
| Hawaii County | 35 | 7 | 3 | 8.6% |
| Maui County | 22 | 3 | 3 | 13.6% |
| Kauai County | 5 | 1 | 3 | 60.0% |
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: 170 applications in 2025, of which 24 were originated and 17 denied.
10.0% of all applications, or 39.5% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Sofi Bank originated in Hawaii in 2025 was 8.02%, against a statewide median of 6.15%.
About this data. Figures are Sofi Bank'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