Largest lenders in Honolulu County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank of Hawaii | C | 2,623 | 1,473 | 24.9% | 6.00% |
| 2 | First Hawaiian Bank | B | 1,850 | 1,097 | 18.9% | 5.87% |
| 3 | American Savings Bank | C | 1,788 | 1,055 | 31.7% | 5.65% |
| 4 | Hawaiiusa Federal Credit Union | C | 1,362 | 603 | 35.3% | 5.65% |
| 5 | Hawaii State Federal Credit Union | C | 1,197 | 713 | 30.2% | 5.90% |
| 6 | United Shore Financial Services | B | 1,139 | 867 | 9.6% | 6.01% |
| 7 | Central Pacific Bank | C | 1,127 | 576 | 31.1% | 6.13% |
| 8 | Rocket Mortgage | C | 962 | 646 | 21.7% | 6.38% |
| 9 | Navy Federal Credit Union | D | 838 | 276 | 31.0% | 8.25% |
| 10 | Freedom Mortgage | B | 716 | 423 | 10.1% | 5.75% |
| 11 | Newrez | D | 592 | 296 | 13.0% | 6.25% |
| 12 | Pennymac Loan Services | C | 518 | 325 | 12.7% | 6.12% |
| 13 | Mortgage Research Center | C | 505 | 274 | 13.1% | 5.99% |
| 14 | CMG Mortgage | A | 436 | 289 | 3.7% | 6.38% |
| 15 | Guaranteed Rate | B | 409 | 233 | 5.6% | 6.50% |
| 16 | Dhi Mortgage Company | B | 368 | 263 | 9.8% | 5.50% |
| 17 | The Loan Store | B | 361 | 238 | 11.9% | 6.63% |
| 18 | Aloha Pacific Federal Credit Union | B | 303 | 204 | 27.4% | 5.75% |
| 19 | Loandepot.Com | D | 285 | 180 | 20.7% | 6.63% |
| 20 | Guild Mortgage | A | 270 | 176 | 6.3% | 6.63% |
| 21 | Citadel Servicing | B | 230 | 175 | 1.7% | 7.25% |
| 22 | AmeriSave Mortgage | D | 181 | 35 | 67.4% | 8.63% |
| 23 | Hickam Federal Credit Union | B | 178 | 118 | 30.9% | 7.68% |
| 24 | Kind Lending | C | 158 | 87 | 35.4% | 6.63% |
| 25 | Ameris Bank | B | 140 | 108 | 4.3% | 6.13% |
Best approval odds in Honolulu County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Canopy Mortgage | 52 | 0.0% |
| 2 | General Mortgage Capital | 55 | 0.0% |
| 3 | Hawaiian Financial Federal Credit Union | 116 | 0.0% |
| 4 | Paramount Residential Mortgage Group | 89 | 1.1% |
| 5 | Mortgage Hawaii | 71 | 1.4% |
| 6 | Citadel Servicing | 222 | 1.8% |
| 7 | Conventus | 91 | 2.2% |
| 8 | CMG Mortgage | 344 | 4.7% |
| 9 | Ameris Bank | 115 | 5.2% |
| 10 | Finance of America Reverse | 68 | 5.9% |
What Honolulu County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Honolulu County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 20,144 | 11,319 | 23.1% | 6.00% | $355,000 |
| 2024 | 19,951 | 10,749 | 23.2% | 6.63% | $405,000 |
| 2025 | 23,752 | 13,362 | 21.2% | 6.10% | $405,000 |
Frequently asked questions
21.2% of applications in Honolulu County were denied in 2025, against 21.8% statewide in Hawaii.
Bank of Hawaii, with 2,623 applications in 2025 and a denial rate of 24.9%.
The median mortgage application in Honolulu County in 2025 was for $405,000; the median property value on originated loans was $895,000.