Honolulu County
Hawaii · FIPS 15003
According to CFPB HMDA 2024 application volume among U.S. counties, Honolulu County ranks #129 of 3,223, and #1 of 4 in Hawaii.
Mortgage lending activity in Honolulu 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. Honolulu County, Hawaii lenders denied 4,625 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Honolulu County
In Honolulu County, lead originator United Wholesale Mortgage funded only 8.6% of 10,727 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Honolulu County's 21,031 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Honolulu County's $505,779 average loan (deduped against volume peers).
Lenders active in Honolulu County
United Wholesale Mortgage funded 927 of the 10,727 loans originated in Honolulu County, 8.6% of the county. 203 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Honolulu County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Honolulu County borrowers. 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.