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Hawaii County, Hawaii · 2025

Mortgage lenders in Hawaii County, HI: denial rates and top lenders (2025)

215 lenders acted on 6,025 mortgage applications for properties in Hawaii County in 2025. 21.1% were denied (Hawaii: 21.8%). Median rate on closed loans 6.63%; median loan $355,000; median property value $615,000.

6.0kApplications
21.1%Denial ratestate 21.8%
6.63%Median ratestate 6.15%
$355,000Median loan
$615,000Median property value

Largest lenders in Hawaii County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Bank of Hawaii C 498235 35.9%6.00%
2 Rocket Mortgage C 408282 22.1%6.88%
3 First Hawaiian Bank B 375204 24.0%5.87%
4 United Shore Financial Services B 328244 13.1%6.38%
5 NFM A 247201 1.2%6.99%
6 American Savings Bank C 237127 38.4%5.79%
7 Pennymac Loan Services C 18699 18.3%6.62%
8 Central Pacific Bank C 18374 43.2%6.05%
9 Guild Mortgage A 181120 7.2%6.50%
10 Newrez D 13637 27.9%6.25%
11 Freedom Mortgage B 13464 13.4%6.25%
12 Mortgage Research Center C 13474 13.4%6.25%
13 Hawaiiusa Federal Credit Union C 12947 47.3%5.88%
14 Guaranteed Rate B 10469 3.9%6.50%
15 Navy Federal Credit Union D 9835 23.5%6.88%
16 Temple View Capital Funding D 9778 7.2%10.50%
17 AmeriSave Mortgage D 9621 62.5%8.75%
18 CMG Mortgage A 9359 6.5%6.63%
19 Loandepot.Com D 8845 33.0%6.99%
20 Crosscountry Mortgage B 7946 3.8%6.88%
21 Homexpress Mortgage C 7648 36.8%7.25%
22 The Loan Store B 7551 5.3%6.63%
23 Angel Oak Mortgage Solutions D 6437 25.0%7.50%
24 V.i.p. Mortgage B 6250 1.6%6.75%
25 Kind Lending C 5942 22.0%6.56%

Best approval odds in Hawaii County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1NFM2061.5%
2V.i.p. Mortgage512.0%
3Guaranteed Rate775.2%
4Crosscountry Mortgage535.7%
5The Loan Store656.2%
6Temple View Capital Funding868.1%
7CMG Mortgage718.5%
8Guild Mortgage1449.0%
9United Shore Financial Services29214.7%
10Mortgage Research Center9219.6%

What Hawaii County borrowers applied for

By loan purpose

Home purchase 2,563 43% · 9.7% denied
Refinance 1,066 18% · 19.5% denied
Cash-out refinance 1,151 19% · 26.6% denied
Home improvement 486 8% · 43.4% denied
Other / HELOC 759 13% · 39.3% denied

By loan type

Conventional 4,935 82% · 22.4% denied
FHA 521 9% · 17.7% denied
VA 544 9% · 13.2% denied
USDA / RHS 25 0% · 12.0% denied

Why applications were denied

Debt-to-income ratio 435 34%
Collateral 346 27%
Credit history 193 15%
Incomplete application 98 8%
Other 87 7%
Unverifiable information 69 5%
Insufficient cash 24 2%
Employment history 8 1%
Mortgage insurance denied 4 0%

Hawaii County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,6162,47723.0%6.63%$305,000
20245,2072,76923.8%6.88%$335,000
20256,0253,34721.1%6.63%$355,000

Frequently asked questions

21.1% of applications in Hawaii County were denied in 2025, against 21.8% statewide in Hawaii.

Bank of Hawaii, with 498 applications in 2025 and a denial rate of 35.9%.

The median mortgage application in Hawaii County in 2025 was for $355,000; the median property value on originated loans was $615,000.