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Kauai County, Hawaii
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Kauai County, Hawaii, saw 1,531 HMDA-reported applications and 789 originations ($541m) in 2024.
That is 33.4 originations per 1,000 households, against 32.8 for Hawaii and 48.0 nationally.
The county's denial rate was 31.7%, above the state rate of 29.7%. The median rate spread on originated loans was 0.2 percentage points and 12.8% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were First Hawaiian Bank (97), Bank of Hawaii (67) and United Wholesale Mortgage (61).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | First Hawaiian Bank | 181 | 97 | $40m | 28.4% | — |
| 2 | Bank of Hawaii | 136 | 67 | $67m | 41.7% | — |
| 3 | United Wholesale Mortgage | 79 | 61 | $53m | 9.0% | — |
| 4 | Rocket Mortgage | 78 | 50 | $27m | 22.4% | — |
| 5 | Securitynational Mortgage Company | 86 | 48 | $22m | 17.2% | — |
| 6 | American Savings Bank | 92 | 42 | $24m | 49.4% | — |
| 7 | CMG Mortgage Inc | 54 | 33 | $23m | 12.2% | — |
| 8 | HomeXpress Mortgage Corp. | 43 | 28 | $15m | 33.3% | — |
| 9 | Guaranteed Rate, Inc. | 43 | 27 | $21m | 0.0% | — |
| 10 | Hawaiiusa FCU | 52 | 24 | $8.9m | 48.9% | — |
| 11 | Central Pacific Bank | 35 | 12 | $6.3m | 58.6% | — |
| 12 | Newrez LLC | 30 | 10 | $5.6m | — | — |
| 13 | Bank of America NA | 25 | 7 | $13m | — | — |
| 14 | Amerisave Mortgage Company | 35 | 5 | $465k | 83.9% | — |
| 15 | Discover Bank | 31 | 4 | $490k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Hawaii and the nation
| Measure | This county | Hawaii | United States |
|---|---|---|---|
| Denial rate | 31.7% | 29.7% | 24.3% |
| Median rate spread, pp | 0.2 | 0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.8% | 7.7% | 15.6% |
| Average originated loan | $686k | $576k | $329k |
| Originations per 1,000 households | 33.4 | 32.8 | 48.0 |
| Home purchase share of originations | 49.7% | 55.6% | 57.0% |
| FHA-insured share | 4.8% | 4.3% | 13.4% |
| VA-guaranteed share | 4.8% | 17.4% | 7.9% |
Rate spread distribution
Share of 646 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Hawaii). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 50% (392)Home improvement 9% (69)Refinancing 14% (111)Cash-out refinancing 16% (129)Other purpose 11% (86)
By type
Conventional 90% (713)FHA 5% (38)VA 5% (38)
Trend by year
ApplicationsOriginations
This countyHawaii
Questions and answers
Which lenders are most active in Kauai County, HI?
By 2024 originations: First Hawaiian Bank (97), Bank of Hawaii (67), United Wholesale Mortgage (61), Rocket Mortgage (50), Securitynational Mortgage Company (48). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Kauai County?
31.7% of decided applications were denied in 2024, against 29.7% across Hawaii and 24.3% nationally.
How many mortgages were originated in Kauai County in 2024?
789 loans totalling $541m, from 1,531 applications; 33.4 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 15007; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.