Wells Fargo Bank in Hawaii vs the state
27.4%Denial rate+5.53 pts vs state
38.2%Decision denial rate+10.85 pts vs state
44.3%Origination rate-11.03 pts vs state
6.00%Median rate-0.15 pts vs state
-0.16Rate spread (pts)+0.09 pts vs state
$275kMedian applicant income
47Loans originated
29Denied
Trend in Hawaii
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 158 | 49 | 38.6% | 6.25% | #33 |
| 2024 | 128 | 46 | 23.4% | 6.38% | #45 |
| 2025 | 106 | 47 | 27.4% | 6.00% | #59 |
What Wells Fargo Bank lends in Hawaii
By loan purpose
By loan type
Why it denied Hawaii applicants
Where in Hawaii
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Honolulu County | 60 | 24 | 18 | 30.0% |
| Maui County | 18 | 7 | 8 | 44.4% |
| Hawaii County | 16 | 10 | 2 | 12.5% |
| Kauai County | 12 | 6 | 1 | 8.3% |
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: 106 applications in 2025, of which 47 were originated and 29 denied.
27.4% of all applications, or 38.2% of the applications it actually decided on. The Hawaii statewide average across all lenders was 21.8%.
The median rate on loans Wells Fargo Bank originated in Hawaii in 2025 was 6.00%, against a statewide median of 6.15%.
About this data. Figures are Wells Fargo 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