Maui County
Hawaii · FIPS 15009
According to CFPB HMDA 2024 application volume among U.S. counties, Maui County ranks #625 of 3,223, and #3 of 4 in Hawaii.
Mortgage lending activity in Maui 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. Maui County, Hawaii lenders denied 921 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Maui County
In Maui County, lead originator Bank of Hawaii funded only 8.6% of 1,772 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Maui County's 3,751 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Maui County's $1,031,446 average loan (deduped against volume peers).
Lenders active in Maui County
Bank of Hawaii funded 152 of the 1,772 loans originated in Maui County, 8.6% of the county. 148 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Maui 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 Maui 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.