Kauai County
Hawaii · FIPS 15007
According to CFPB HMDA 2024 application volume among U.S. counties, Kauai County ranks #1,071 of 3,210, and #4 of 4 in Hawaii.
Mortgage lending activity in Kauai 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kauai County
In Kauai County, lead originator First Hawaiian Bank funded 12.3% of 789 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 28.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Kauai County's 1,588 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kauai County's $622,248 average loan (deduped against volume peers).
Lenders active in Kauai County
First Hawaiian Bank funded 97 of the 789 loans originated in Kauai County, 12.3% of the county. 92 lenders reported activity here.
| # | 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% |
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 Kauai 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 Kauai 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.