Largest lenders in Maui County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank of Hawaii | C | 371 | 180 | 31.5% | 6.15% |
| 2 | American Savings Bank | C | 317 | 161 | 44.5% | 5.70% |
| 3 | First Hawaiian Bank | B | 291 | 171 | 17.5% | 5.87% |
| 4 | Hawaiiusa Federal Credit Union | C | 208 | 78 | 44.7% | 5.50% |
| 5 | Guaranteed Rate | B | 181 | 107 | 4.4% | 6.55% |
| 6 | Hawaii State Federal Credit Union | C | 169 | 104 | 30.8% | 5.90% |
| 7 | Rocket Mortgage | C | 159 | 97 | 32.1% | 6.99% |
| 8 | Central Pacific Bank | C | 157 | 53 | 36.9% | 6.05% |
| 9 | United Shore Financial Services | B | 138 | 84 | 20.3% | 6.50% |
| 10 | Loandepot.Com | D | 122 | 87 | 13.1% | 6.50% |
| 11 | Newrez | D | 109 | 40 | 21.1% | 6.88% |
| 12 | Northpointe Bank | C | 93 | 69 | 6.5% | 7.13% |
| 13 | Pennymac Loan Services | C | 64 | 26 | 26.6% | 6.63% |
| 14 | Freedom Mortgage | B | 57 | 21 | 15.8% | 5.99% |
| 15 | The Loan Store | B | 54 | 26 | 24.1% | 7.34% |
| 16 | AmeriSave Mortgage | D | 53 | 13 | 60.4% | 8.63% |
| 17 | Homexpress Mortgage | C | 51 | 37 | 25.5% | 7.38% |
| 18 | Citadel Servicing | B | 49 | 38 | 2.0% | 7.25% |
| 19 | Nexera Holding | D | 48 | 27 | 10.4% | 7.38% |
| 20 | CMG Mortgage | A | 45 | 22 | 4.4% | 6.38% |
| 21 | Mortgage Research Center | C | 42 | 15 | 35.7% | 5.99% |
| 22 | Securitynational Mortgage | D | 35 | 24 | 8.6% | 6.43% |
| 23 | Kind Lending | C | 35 | 24 | 20.0% | 6.38% |
| 24 | Mld Mortgage | A | 32 | 28 | 3.1% | 5.75% |
| 25 | JPMorgan Chase Bank | B | 31 | 16 | 22.6% | 6.50% |
Best approval odds in Maui County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guaranteed Rate | 116 | 6.9% |
| 2 | Northpointe Bank | 75 | 8.0% |
| 3 | Loandepot.Com | 103 | 15.5% |
| 4 | First Hawaiian Bank | 234 | 21.8% |
| 5 | United Shore Financial Services | 114 | 24.6% |
| 6 | Homexpress Mortgage | 50 | 26.0% |
| 7 | Hawaii State Federal Credit Union | 157 | 33.1% |
| 8 | Rocket Mortgage | 150 | 34.0% |
| 9 | Newrez | 63 | 36.5% |
| 10 | Bank of Hawaii | 303 | 38.6% |
What Maui County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Maui County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,710 | 1,991 | 24.1% | 6.50% | $405,000 |
| 2024 | 3,538 | 1,795 | 26.0% | 6.99% | $455,000 |
| 2025 | 3,993 | 2,057 | 25.0% | 6.38% | $415,000 |
Frequently asked questions
25.0% of applications in Maui County were denied in 2025, against 21.8% statewide in Hawaii.
Bank of Hawaii, with 371 applications in 2025 and a denial rate of 31.5%.
The median mortgage application in Maui County in 2025 was for $415,000; the median property value on originated loans was $1,145,000.