Hawaii County
Hawaii · FIPS 15001
According to CFPB HMDA 2024 application volume among U.S. counties, Hawaii County ranks #466 of 3,210, and #2 of 4 in Hawaii.
Mortgage lending activity in Hawaii County, Hawaii based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Hawaii County
In Hawaii County, lead originator United Wholesale Mortgage funded only 8.3% of 2,764 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Hawaii County's 5,608 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hawaii County's $469,155 average loan (deduped against volume peers).
Lenders active in Hawaii County
United Wholesale Mortgage funded 230 of the 2,764 loans originated in Hawaii County, 8.3% of the county. 182 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Hawaii County borrowers.
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 Hawaii County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.