The Loan Store in Hawaii vs the state
12.1%Denial rate-9.75 pts vs state
13.7%Decision denial rate-13.63 pts vs state
64.6%Origination rate+9.18 pts vs state
6.63%Median rate+0.47 pts vs state
0.22Rate spread (pts)+0.47 pts vs state
$178kMedian applicant income
326Loans originated
61Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 3 | 25.0% | 10.75% | #144 |
| 2024 | 263 | 130 | 19.8% | 6.99% | #22 |
| 2025 | 505 | 326 | 12.1% | 6.63% | #17 |
What The Loan Store lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 361 | 238 | 43 | 11.9% |
| Hawaii County | 75 | 51 | 4 | 5.3% |
| Maui County | 54 | 26 | 13 | 24.1% |
| Kauai County | 15 | 11 | 1 | 6.7% |
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: 505 applications in 2025, of which 326 were originated and 61 denied.
12.1% of all applications, or 13.7% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans The Loan Store originated in Hawaii in 2025 was 6.63%, against a statewide median of 6.15%.
About this data. Figures are The Loan Store'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