United Shore Financial Services in Hawaii vs the state
11.1%Denial rate-10.72 pts vs state
12.7%Decision denial rate-14.65 pts vs state
74.9%Origination rate+19.54 pts vs state
6.13%Median rate-0.03 pts vs state
-0.26Rate spread (pts)-0.01 pts vs state
$157kMedian applicant income
1,281Loans originated
190Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,542 | 1,172 | 10.3% | 6.25% | #5 |
| 2024 | 1,783 | 1,315 | 11.8% | 6.25% | #4 |
| 2025 | 1,710 | 1,281 | 11.1% | 6.13% | #5 |
What United Shore Financial Services lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 1,139 | 867 | 109 | 9.6% |
| Hawaii County | 328 | 244 | 43 | 13.1% |
| Maui County | 138 | 84 | 28 | 20.3% |
| Kauai County | 105 | 86 | 10 | 9.5% |
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% |
| 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% |
| Newrez | D | 891 | 16.5% | 6.25% |
Frequently asked questions
Hawaii: 1,710 applications in 2025, of which 1,281 were originated and 190 denied.
11.1% of all applications, or 12.7% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans United Shore Financial Services originated in Hawaii in 2025 was 6.13%, against a statewide median of 6.15%.
About this data. Figures are United Shore Financial Services'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