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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Hawaii

Fat Boy Data analyzed cash-out refinance activity in Hawaii to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,664 applications were decided by 177 lenders between 2023 and 2025.

Hawaii at a glance

177Active lenders55 with 20+ decisions
59.8%Market approval rate3,987 of 6,664 decided
$395KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,729 loans funded

How Hawaii compares

Approval rate compared
Hawaii59.8%All 616 counties68.2%
Typical loan compared
Hawaii$395KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Hawaii, 889 of them.

Hawaiian Financial Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 53.

Lenders approved 59.8% of cash-out refinance applications in Hawaii, 8.4 percentage points below the the United States rate of 68.2%.

The typical cash-out refinance here is $395K, 155% larger than the the United States typical of $155K.

Approval rate of all 55 lenders with 20+ decisions here
0%25%50%75%100%Pentagon Federal Credit Union: 17% approved of 24Wells Fargo Bank, National Association: 18% approved of 28Amerisave Mortgage Corporation: 18% approved of 700Mortgage Research Center, LLC: 21% approved of 140New Day Financial, LLC: 21% approved of 109American Financing Corporation: 21% approved of 71New American Funding, LLC: 24% approved of 25Carrington Mortgage Services, LLC: 35% approved of 189Newrez LLC: 37% approved of 301Village Capital & Investment LLC: 46% approved of 28Mutual of Omaha Mortgage, Inc.: 51% approved of 41Homexpress Mortgage Corp.: 53% approved of 38Quorum Federal Credit Union: 53% approved of 36Ocmbc, Inc.: 54% approved of 28Pennymac Loan Services, LLC: 55% approved of 183Loandepot.Com, LLC: 58% approved of 283American Savings Bank, N.A.tional Association: 60% approved of 187Nationstar Mortgage LLC: 60% approved of 100HomeStreet Bank: 60% approved of 40Kind Lending, LLC: 61% approved of 54Navy Federal Credit Union: 62% approved of 165Finance Factors, Limited: 64% approved of 22The Federal Savings Bank: 64% approved of 102Flagstar Bank, National Association: 64% approved of 42American Pacific Mortgage Corporation: 65% approved of 20Champions Funding, LLC: 66% approved of 29Angel Oak Mortgage Solutions LLC: 66% approved of 32Freedom Mortgage Corporation: 68% approved of 201Hawaiiusa: 68% approved of 44Plaza Home Mortgage, Inc.: 69% approved of 32Central Pacific Bank: 69% approved of 36Change Lending, LLC: 72% approved of 43Lokahi: 72% approved of 72Rocket Mortgage, LLC: 72% approved of 1,278United Wholesale Mortgage, LLC: 72% approved of 366Sun West Mortgage Company, Inc.: 73% approved of 26Territorial Savings Bank: 74% approved of 23Homebridge Financial Services, Inc.: 75% approved of 24Guaranteed Rate, Inc.: 77% approved of 44Bank of Hawaii: 78% approved of 163Home Mortgage Alliance Corporation (Hmac): 78% approved of 37First Hawaiian Bank: 81% approved of 77Nexera Holding LLC: 82% approved of 33Hawaii State Federal Credit Union: 85% approved of 39Guild Mortgage Company LLC: 86% approved of 104The Loan Store, Inc.: 86% approved of 21University of Hawaii Federal Credit Union: 88% approved of 25V.I.P. Mortgage, Inc.: 88% approved of 60Cmg Mortgage, Inc.: 89% approved of 88Das Acquisition Company, LLC: 91% approved of 23Click N' Close, Inc.: 95% approved of 20Citadel Servicing Corporation: 95% approved of 43Paramount Residential Mortgage Group, Inc.: 96% approved of 24Hawaiian Financial Federal Credit Union: 100% approved of 53Crosscountry Mortgage, LLC: 100% approved of 27

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Hawaii

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC72%924 / 1,27896%$235K889
2Amerisave Mortgage Corporation18%128 / 70098%$105K125
3United Wholesale Mortgage, LLCBroker only72%265 / 36697%$545K256
4Newrez LLC37%112 / 30197%$355K109
5Loandepot.Com, LLC58%163 / 28398%$495K159

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 172 more lenders.

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Other lending data for Hawaii

Mortgage lenders in HawaiiHome improvement loans in HawaiiRefinance in HawaiiInvestment property purchase in HawaiiInvestment cash-out refinance in HawaiiInvestment refinance in HawaiiInvestment home improvement in Hawaii

Counties in Hawaii

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