Kahului-Wailuku
Metropolitan Statistical Area · MSA Code 27980
According to CFPB HMDA 2024 application volume among tracked metros, Kahului-Wailuku ranks #369 of 418.
Mortgage lending activity in the Kahului-Wailuku metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Kahului-Wailuku Metropolitan Statistical Area (MSA code 27980) recorded 3,751 HMDA-reported mortgage applications in 2024. Lenders originated 1,772 of those and denied others at a rate of 24.6%, for an approval (origination) rate of 47.2%. The average loan amount across the MSA was $1,031,446 at an average note rate of 7.17%. 20 major lenders are tracked for this metro - Bank of Hawaii, First Hawaiian Bank, American Savings Bank lead by origination volume. Among the 418 metros tracked, Kahului-Wailuku ranks #415 by denial rate (the 1st percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Kahului-Wailuku denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 24.6% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $1,031,446 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kahului-Wailuku
In Kahului-Wailuku, lead originator Bank of Hawaii funded only 8.6% of 1,772 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 24.5% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Kahului-Wailuku's 24.6% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Kahului-Wailuku's 3,751 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Kahului-Wailuku's $1,031,446 average loan (deduped against denial and volume peers).
Lenders active in the Kahului-Wailuku metro
Bank of Hawaii funded 152 of the 1,772 loans originated here, 8.6% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Bank of Hawaii | 152 | 377 | $472,507 | 8.6% |
| 2 | First Hawaiian Bank | 145 | 269 | $5,998,048 | 8.2% |
| 3 | American Savings Bank | 138 | 299 | $373,729 | 7.8% |
| 4 | United Wholesale Mortgage | 97 | 157 | $793,599 | 5.5% |
| 5 | Guaranteed Rate, INC. | 91 | 143 | $842,692 | 5.1% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Kahului-Wailuku 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 Kahului-Wailuku 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.