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2024 data HMDA 2024 disclosure official source

Hawaii County

5,608 mortgage applications, 22.1% denial rate. Verify FIPS 15001 with U.S. Census Bureau →

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Hawaii · FIPS 15001

Local mortgage market. Hawaii County, Hawaii saw 5,608 HMDA-reported mortgage applications in 2024. Lenders originated 2,764 of those loans and denied 1,239, producing a denial rate of 22.1% and an approval (origination) rate of 49.3%. The average loan amount was $469,155 at an average note rate of 7.18%, with applicants self-reporting average annual income of $40K. 182 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.7x, meaning typical borrowers took on mortgages of about 11.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 15001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,608
Applications
2,764
Originated
22.1%
Denial Rate
49.3%
Approval Rate
$469,155
Avg Loan Amount
7.18%
Avg Interest Rate
$40K
Avg Applicant Income
11.7x
Loan-to-Income Ratio

Nearby Lenders in Hawaii County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Wholesale Mortgage 230 8.3%
2 Rocket Mortgage 214 7.7%
3 First Hawaiian Bank 188 6.8%
4 Bank of Hawaii 156 5.6%
5 V.I.P. Mortgage, INC. 123 4.5%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hawaii County?
In the 2024 HMDA reporting year, 5,608 mortgage applications were filed in Hawaii County, Hawaii. Of these, 2,764 were originated (approved and funded), while 1,239 were denied, resulting in a denial rate of 22.1%.
What is the mortgage denial rate in Hawaii County?
The mortgage denial rate in Hawaii County is 22.1%. The approval (origination) rate is 49.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hawaii County?
The average mortgage loan amount in Hawaii County is $469,155. The average interest rate is 7.180%. The average applicant income is $40K.
What is the loan-to-income ratio in Hawaii County?
The average loan-to-income ratio in Hawaii County is 11.7x, meaning borrowers took on loans averaging 11.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hawaii County?
The top mortgage lenders in Hawaii County by origination volume are United Wholesale Mortgage, Rocket Mortgage, First Hawaiian Bank. In total, 182 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.