Lenders › Guaranteed Rate, Inc. › Hawaii
Guaranteed Rate, Inc. in Hawaii
HMDA record for properties in Hawaii, calendar year 2024. National record · Hawaii overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Guaranteed Rate, Inc.'s 2024 HMDA record for Hawaii covers 714 applications, 443 of them originated, worth $316m.
Its denial rate in the state was 8.5%, below the Hawaii rate of 29.7% across all lenders and compared with the lender's national rate of 9.0%.
The median rate spread on its Hawaii originations was 0.1 percentage points (state median 0.0).
Applications in the state were up 29% on 2023.
Compared with the state and the lender's national record
| Measure | In Hawaii | Hawaii, all lenders | Guaranteed Rate, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 8.5% | 29.7% | 9.0% | 24.3% |
| Median rate spread, pp | 0.1 | 0.0 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.3% | 7.7% | 6.7% | 15.6% |
| Average originated loan | $712k | $576k | $392k | $329k |
| Home purchase share | 86.5% | 55.6% | 83.4% | 57.0% |
| FHA-insured share | 5.4% | 4.3% | 14.3% | 13.4% |
| VA-guaranteed share | 24.4% | 17.4% | 9.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateHawaii, all lenders
Loan purpose and loan type in Hawaii
By purpose
Home purchase 86% (383)Home improvement 1% (4)Refinancing 7% (31)Cash-out refinancing 5% (20)Other purpose 1% (5)
By type
Conventional 70% (310)FHA 5% (24)VA 24% (108)USDA 0% (1)
Denial reasons as coded
Share of 42 denials in Hawaii by first denial reason coded (outlined bar: all lenders in the state).
Counties in Hawaii
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Honolulu County | 461 | 283 | $187m | 10.1% |
| Maui County | 139 | 91 | $79m | 7.0% |
| Hawaii County | 71 | 42 | $29m | 6.3% |
| Kauai County | 43 | 27 | $21m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranteed Rate, Inc. originate in Hawaii in 2024?
443 loans totalling $316m, from 714 applications reported for properties in Hawaii.
What is Guaranteed Rate, Inc.'s denial rate in Hawaii?
8.5% of decided applications in Hawaii were denied, against 29.7% for all lenders in the state and 9.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Hawaii counties does Guaranteed Rate, Inc. lend in most?
By originations: Honolulu County (283), Maui County (91), Hawaii County (42), Kauai County (27).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Hawaii. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.