PlainLender
2024 data HMDA 2024 disclosure official source

Honolulu County

21,031 mortgage applications, 22.0% denial rate. Verify FIPS 15003 with U.S. Census Bureau →

PlainLender home → About this data

Hawaii · FIPS 15003

Local mortgage market. Honolulu County, Hawaii saw 21,031 HMDA-reported mortgage applications in 2024. Lenders originated 10,727 of those loans and denied 4,625, producing a denial rate of 22.0% and an approval (origination) rate of 51.0%. The average loan amount was $505,779 at an average note rate of 6.80%, with applicants self-reporting average annual income of $41K. 203 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 12.3x, meaning typical borrowers took on mortgages of about 12.3 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 15003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

21,031
Applications
10,727
Originated
22.0%
Denial Rate
51.0%
Approval Rate
$505,779
Avg Loan Amount
6.80%
Avg Interest Rate
$41K
Avg Applicant Income
12.3x
Loan-to-Income Ratio

Nearby Lenders in Honolulu 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 927 8.6%
2 Bank of Hawaii 836 7.8%
3 First Hawaiian Bank 826 7.7%
4 American Savings Bank 730 6.8%
5 Rocket Mortgage 631 5.9%
Compare United Wholesale Mortgage vs Bank of Hawaii →

Frequently Asked Questions

How many mortgage applications were filed in Honolulu County?
In the 2024 HMDA reporting year, 21,031 mortgage applications were filed in Honolulu County, Hawaii. Of these, 10,727 were originated (approved and funded), while 4,625 were denied, resulting in a denial rate of 22.0%.
What is the mortgage denial rate in Honolulu County?
The mortgage denial rate in Honolulu County is 22.0%. The approval (origination) rate is 51.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Honolulu County?
The average mortgage loan amount in Honolulu County is $505,779. The average interest rate is 6.796%. The average applicant income is $41K.
What is the loan-to-income ratio in Honolulu County?
The average loan-to-income ratio in Honolulu County is 12.3x, meaning borrowers took on loans averaging 12.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Honolulu County?
The top mortgage lenders in Honolulu County by origination volume are United Wholesale Mortgage, Bank of Hawaii, First Hawaiian Bank. In total, 203 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.