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2024 data HMDA 2024 disclosure official source

Kauai County

1,588 mortgage applications, 24.4% denial rate. Verify FIPS 15007 with U.S. Census Bureau →

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Hawaii · FIPS 15007

Local mortgage market. Kauai County, Hawaii saw 1,588 HMDA-reported mortgage applications in 2024. Lenders originated 789 of those loans and denied 387, producing a denial rate of 24.4% and an approval (origination) rate of 49.7%. The average loan amount was $622,248 at an average note rate of 7.20%, with applicants self-reporting average annual income of $40K. 92 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 15.6x, meaning typical borrowers took on mortgages of about 15.6 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 15007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,588
Applications
789
Originated
24.4%
Denial Rate
49.7%
Approval Rate
$622,248
Avg Loan Amount
7.20%
Avg Interest Rate
$40K
Avg Applicant Income
15.6x
Loan-to-Income Ratio

Nearby Lenders in Kauai 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 First Hawaiian Bank 97 12.3%
2 Bank of Hawaii 67 8.5%
3 United Wholesale Mortgage 61 7.7%
4 Rocket Mortgage 50 6.3%
5 Securitynational Mortgage Company 48 6.1%
Compare First Hawaiian Bank vs Bank of Hawaii →

Frequently Asked Questions

How many mortgage applications were filed in Kauai County?
In the 2024 HMDA reporting year, 1,588 mortgage applications were filed in Kauai County, Hawaii. Of these, 789 were originated (approved and funded), while 387 were denied, resulting in a denial rate of 24.4%.
What is the mortgage denial rate in Kauai County?
The mortgage denial rate in Kauai County is 24.4%. The approval (origination) rate is 49.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kauai County?
The average mortgage loan amount in Kauai County is $622,248. The average interest rate is 7.198%. The average applicant income is $40K.
What is the loan-to-income ratio in Kauai County?
The average loan-to-income ratio in Kauai County is 15.6x, meaning borrowers took on loans averaging 15.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kauai County?
The top mortgage lenders in Kauai County by origination volume are First Hawaiian Bank, Bank of Hawaii, United Wholesale Mortgage. In total, 92 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.