Val-Chris Investments in Hawaii vs the state
0.0%Denial rate-21.83 pts vs state
0.0%Decision denial rate-27.31 pts vs state
94.4%Origination rate+39.07 pts vs state
12.50%Median rate+6.35 pts vs state
—Rate spread (pts)
$162kMedian applicant income
17Loans originated
0Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 11 | 0.0% | 11.50% | #141 |
| 2025 | 18 | 17 | 0.0% | 12.50% | #135 |
What Val-Chris Investments lends in Hawaii
By loan purpose
By loan type
Where in Hawaii
Counties with the most Val-Chris Investments applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 8 | 8 | 0 | 0.0% |
| Maui County | 5 | 5 | 0 | 0.0% |
| Kauai County | 1 | 0 | 0 | 0.0% |
| Hawaii County | 1 | 1 | 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: 18 applications in 2025, of which 17 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Val-Chris Investments originated in Hawaii in 2025 was 12.50%, against a statewide median of 6.15%.
About this data. Figures are Val-Chris Investments'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