V.i.p. Mortgage in Hawaii vs the state
4.5%Denial rate-17.34 pts vs state
5.9%Decision denial rate-21.43 pts vs state
71.9%Origination rate+16.54 pts vs state
6.63%Median rate+0.47 pts vs state
0.50Rate spread (pts)+0.75 pts vs state
$152kMedian applicant income
64Loans originated
4Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 325 | 245 | 5.5% | 6.99% | #21 |
| 2024 | 259 | 174 | 3.1% | 6.63% | #23 |
| 2025 | 89 | 64 | 4.5% | 6.63% | #65 |
What V.i.p. Mortgage lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hawaii County | 62 | 50 | 1 | 1.6% |
| Honolulu County | 22 | 11 | 2 | 9.1% |
| Maui County | 5 | 3 | 1 | 20.0% |
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: 89 applications in 2025, of which 64 were originated and 4 denied.
4.5% of all applications, or 5.9% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans V.i.p. Mortgage originated in Hawaii in 2025 was 6.63%, against a statewide median of 6.15%.
About this data. Figures are V.i.p. Mortgage'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