U.S. Bank in Hawaii vs the state
36.7%Denial rate+14.90 pts vs state
49.5%Decision denial rate+22.23 pts vs state
36.7%Origination rate-18.64 pts vs state
6.38%Median rate+0.22 pts vs state
-0.04Rate spread (pts)+0.21 pts vs state
$276kMedian applicant income
54Loans originated
54Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 48 | 39.6% | 6.69% | #38 |
| 2024 | 142 | 60 | 38.0% | 6.88% | #41 |
| 2025 | 147 | 54 | 36.7% | 6.38% | #38 |
What U.S. Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 57 | 17 | 23 | 40.4% |
| Hawaii County | 38 | 16 | 12 | 31.6% |
| Maui County | 28 | 11 | 11 | 39.3% |
| Kauai County | 22 | 10 | 8 | 36.4% |
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: 147 applications in 2025, of which 54 were originated and 54 denied.
36.7% of all applications, or 49.5% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans U.S. Bank originated in Hawaii in 2025 was 6.38%, against a statewide median of 6.15%.
About this data. Figures are U.S. 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