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2024 data HMDA 2024 disclosure official source

Maui County

3,751 mortgage applications, 24.6% denial rate. Verify FIPS 15009 with U.S. Census Bureau →

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Hawaii · FIPS 15009

Local mortgage market. Maui County, Hawaii saw 3,751 HMDA-reported mortgage applications in 2024. Lenders originated 1,772 of those loans and denied 921, producing a denial rate of 24.6% and an approval (origination) rate of 47.2%. The average loan amount was $1,031,446 at an average note rate of 7.17%, with applicants self-reporting average annual income of $40K. 148 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 25.8x, meaning typical borrowers took on mortgages of about 25.8 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 15009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,751
Applications
1,772
Originated
24.6%
Denial Rate
47.2%
Approval Rate
$1,031,446
Avg Loan Amount
7.17%
Avg Interest Rate
$40K
Avg Applicant Income
25.8x
Loan-to-Income Ratio

Nearby Lenders in Maui 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 Bank of Hawaii 152 8.6%
2 First Hawaiian Bank 145 8.2%
3 American Savings Bank 138 7.8%
4 United Wholesale Mortgage 97 5.5%
5 Northpointe Bank 91 5.1%
Compare Bank of Hawaii vs First Hawaiian Bank →

Frequently Asked Questions

How many mortgage applications were filed in Maui County?
In the 2024 HMDA reporting year, 3,751 mortgage applications were filed in Maui County, Hawaii. Of these, 1,772 were originated (approved and funded), while 921 were denied, resulting in a denial rate of 24.6%.
What is the mortgage denial rate in Maui County?
The mortgage denial rate in Maui County is 24.6%. The approval (origination) rate is 47.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Maui County?
The average mortgage loan amount in Maui County is $1,031,446. The average interest rate is 7.168%. The average applicant income is $40K.
What is the loan-to-income ratio in Maui County?
The average loan-to-income ratio in Maui County is 25.8x, meaning borrowers took on loans averaging 25.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Maui County?
The top mortgage lenders in Maui County by origination volume are Bank of Hawaii, First Hawaiian Bank, American Savings Bank. In total, 148 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.