Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hawaii County, Hawaii
Every institution that decided a 1–4 unit mortgage application in Hawaii County, home to Hilo, between 2023 and 2025: 10,803 applications, 7,756 loans actually funded, across 8 kinds of borrowing.
Hawaii County at a glance
10,803Applications decided
2023–2025
7,756Loans funded
72% of decisions
43Census tracts
15 ZIP codes
203,684People
ACS 2023
What the data shows
The typical purchase mortgage here is $415K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 225 applications.
Lending by loan type in Hawaii County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.9% | 3,961 | $415K | 97% | 171 |
| Home improvement loans | 49.1% | 1,036 | $105K | 95% | 44 |
| Cash-out refinance | 59.9% | 1,702 | $285K | 93% | 124 |
| Refinance | 71.6% | 1,297 | $355K | 94% | 97 |
| Investment property purchase | 84.0% | 1,818 | $405K | 96% | 181 |
| Investment cash-out refinance | 67.4% | 383 | $365K | 91% | 87 |
| Investment refinance | 76.1% | 381 | $375K | 94% | 86 |
| Investment home improvement | 48.0% | 225 | $195K | 95% | 29 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.