Hawaii Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 38,565 mortgage applications in Hawaii totaling $20.5 billion, up 21% from 2024. The average application was for $530,000, and applicants reported an average income of $216,000. 51% of applications resulted in an originated loan and 20% were denied. The most active lenders were Bank of Hawaii (3,677 applications), First Hawaiian Bank and American Savings Bank.
See the top mortgage lenders in Hawaii, browse lending by metro area and by county, or see the mortgage lenders headquartered in Hawaii and Hawaii lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Hawaii's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 38,565 |
| Total Mortgage Loan Application Amount | $20,458,955,000 |
| Average Mortgage Loan Application Amount | $530,000 |
| Highest Mortgage Loan Application Amount | $73,005,000 |
| Average Applicant Income | $216,000 |
| Highest Applicant Income | $9,725,000 |
Top 25 Mortgage Lenders in Hawaii (2025)
Ranked by the number of mortgage applications each lender received for properties in Hawaii in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Hawaii mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Hawaii.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bank of Hawaii Honolulu, HI |
3,677 | $1,615,860,000 | $439,450 | $247,135 |
| 2 | First Hawaiian Bank Honolulu, HI |
2,782 | $1,094,230,000 | $393,324 | $209,297 |
| 3 | American Savings Bank Honolulu, HI |
2,479 | $1,021,025,000 | $411,869 | $188,525 |
| 4 | Hawaiiusa FCU Honolulu, HI |
1,880 | $597,930,000 | $318,047 | $166,903 |
| 5 | United Wholesale Mortgage Plymouth, MI |
1,714 | $1,196,580,000 | $698,121 | $202,811 |
| 6 | Central Pacific Bank Honolulu, HI |
1,520 | $637,470,000 | $419,388 | $201,232 |
| 7 | Hawaii State Federal Credit Union Honolulu, HI |
1,418 | $406,230,000 | $286,480 | $164,495 |
| 8 | PennyMac Loan Services LLC Westlake Village, CA |
1,330 | $824,630,000 | $620,022 | $189,392 |
| 9 | Newrez LLC Fort Washington, PA |
1,162 | $748,200,000 | $643,889 | $203,300 |
| 10 | Freedom Mortgage Corporation Boca Raton, FL |
1,036 | $729,090,000 | $703,754 | $167,599 |
| 11 | Navy Federal Credit Union Vienna, VA |
986 | $303,780,000 | $308,093 | $176,199 |
| 12 | Guaranteed Rate, Inc. Chicago, IL |
782 | $527,230,000 | $674,207 | $247,016 |
| 13 | Mortgage Research Center Columbia, MO |
695 | $425,675,000 | $612,482 | $141,867 |
| 14 | JPMorgan Chase Bank, NA Columbus, OH |
647 | $414,725,000 | $640,996 | $329,687 |
| 15 | CMG Mortgage Inc San Ramon, IL |
629 | $417,245,000 | $663,346 | $241,438 |
| 16 | loanDepot.com LLC Irvine, CA |
523 | $243,005,000 | $464,636 | $160,124 |
| 17 | The Loan Store, Inc Tucson, AZ |
505 | $277,005,000 | $548,524 | $232,732 |
| 18 | Guild Mortgage Company San Diego, CA |
502 | $282,010,000 | $561,772 | $177,300 |
| 19 | DHI Mortgage Company, Ltd. Austin, TX |
369 | $246,825,000 | $668,902 | $165,000 |
| 20 | Amerisave Mortgage Company Sandy Springs, GA |
352 | $77,240,000 | $219,431 | $105,176 |
| 21 | Citadel Servicing Corporation Irvine, CA |
337 | $218,705,000 | $648,976 | $265,427 |
| 22 | Aloha Pacific Federal Credit Union Honolulu, HI |
326 | $83,810,000 | $257,085 | $150,417 |
| 23 | Nationstar Mortgage Coppell, TX |
309 | $137,245,000 | $444,158 | $143,032 |
| 24 | NFM, Inc Linthicum, MD |
297 | $144,675,000 | $487,121 | $192,494 |
| 25 | Homexpress Mortgage Corp. Santa Ana, CA |
295 | $193,735,000 | $656,728 | $382,627 |
The tables below break down 2025 mortgage applications in Hawaii by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Hawaii in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 16,238 | $11,118,475,000 | $684,000 | $23,135,000 | $243,000 | $9,725,000 |
| Refinancing | 7,467 | $4,299,350,000 | $576,000 | $73,005,000 | $218,000 | $6,917,000 |
| Cash-out Refinancing | 5,654 | $2,777,420,000 | $491,000 | $9,265,000 | $181,000 | $8,778,000 |
| Other Purpose | 5,018 | $1,280,530,000 | $255,000 | $15,005,000 | $197,000 | $8,000,000 |
| Home Improvement | 4,150 | $972,080,000 | $234,000 | $15,115,000 | $184,000 | $7,026,000 |
| Not Applicable | 38 | $11,100,000 | $292,000 | $705,000 | $92,000 | $305,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 13,578 | $6,209,280,000 | $457,000 | $9,755,000 | $195,000 | $7,109,000 |
| White | 9,161 | $5,435,575,000 | $593,000 | $15,005,000 | $265,000 | $9,725,000 |
| Not Provided | 6,378 | $3,583,790,000 | $561,000 | $12,005,000 | $228,000 | $9,660,000 |
| Not applicable | 3,386 | $2,522,350,000 | $745,000 | $73,005,000 | $215,000 | $3,346,000 |
| Native Hawaiian or Other Pacific Islander | 2,889 | $1,171,075,000 | $405,000 | $4,765,000 | $175,000 | $8,936,000 |
| Hispanic | 2,337 | $1,117,785,000 | $478,000 | $3,505,000 | $184,000 | $3,504,000 |
| Black or African American | 592 | $298,720,000 | $504,000 | $3,005,000 | $171,000 | $2,641,000 |
| American Indian or Alaskan Native | 243 | $118,775,000 | $488,000 | $2,805,000 | $182,000 | $1,278,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 31,098 | $15,473,180,000 | $497,000 | $73,005,000 | $229,000 | $9,725,000 |
| VA-guaranteed (Veterans Administration) | 5,334 | $3,886,590,000 | $728,000 | $2,985,000 | $161,000 | $905,000 |
| FHA-insured (Federal Housing Administration) | 2,054 | $1,069,740,000 | $520,000 | $23,135,000 | $126,000 | $5,571,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $29,445,000 | $372,000 | $815,000 | $123,000 | $204,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 19,814 | $11,185,000,000 | $564,000 | $73,005,000 | $229,000 | $9,725,000 |
| Application Denied By Financial Institution | 7,789 | $3,004,125,000 | $385,000 | $23,135,000 | $167,000 | $9,660,000 |
| Application Withdrawn By Applicant | 5,446 | $3,199,950,000 | $587,000 | $9,755,000 | $236,000 | $8,936,000 |
| Loan Purchased By The Institution | 2,772 | $1,641,220,000 | $592,000 | $3,435,000 | $216,000 | $3,346,000 |
| File Closed For Incompleteness | 1,735 | $914,835,000 | $527,000 | $15,005,000 | $223,000 | $8,000,000 |
| Application Approved But Not Accepted | 974 | $486,600,000 | $499,000 | $4,305,000 | $217,000 | $5,249,000 |
| Preapproval Approved but not Accepted | 24 | $15,730,000 | $655,000 | $1,725,000 | $186,000 | $527,000 |
| Preapproval Denied by Financial Institution | 11 | $11,495,000 | $1,045,000 | $1,995,000 | $223,000 | $360,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 30,636 | $17,330,520,000 | $565,000 | $73,005,000 | $230,000 | $9,725,000 |
| Debt-To-Income Ratio | 3,407 | $1,346,425,000 | $395,000 | $9,995,000 | $126,000 | $3,383,000 |
| Collateral | 1,826 | $648,150,000 | $354,000 | $7,505,000 | $204,000 | $3,014,000 |
| Credit History | 1,143 | $357,045,000 | $312,000 | $4,245,000 | $177,000 | $9,660,000 |
| Other | 574 | $310,430,000 | $540,000 | $23,135,000 | $232,000 | $3,462,000 |
| Credit Application Incomplete | 486 | $196,760,000 | $404,000 | $3,485,000 | $205,000 | $7,026,000 |
| Unverifiable Information | 313 | $151,685,000 | $484,000 | $9,265,000 | $216,000 | $2,986,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 132 | $86,670,000 | $656,000 | $2,995,000 | $208,000 | $2,285,000 |
| Employment History | 43 | $28,675,000 | $666,000 | $5,235,000 | $202,000 | $2,234,000 |
| Mortgage Insurance Denied | 5 | $2,595,000 | $519,000 | $805,000 | $0 | $0 |
Mortgage Loan Application Totals in 2025 by Hawaii Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kahului-Wailuku-Lahaina, HI | 4,363 | $ 2,727,115,000 | $ 625,000 | $ 250,000 |
| Urban Honolulu, HI | 25,438 | $ 13,181,580,000 | $ 518,000 | $ 207,000 |
Mortgage Loan Application Totals in 2025 by Hawaii County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hawaii | 6,626 | $ 3,062,520,000 | $ 462,000 | $ 203,000 |
| Honolulu | 25,438 | $ 13,181,580,000 | $ 518,000 | $ 207,000 |
| Kalawao | n/a | $ n/a | $ n/a | $ n/a |
| Kauai | 2,138 | $ 1,487,740,000 | $ 695,000 | $ 290,000 |
| Maui | 4,363 | $ 2,727,115,000 | $ 625,000 | $ 250,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Hawaii's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Hawaii's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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