Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Honolulu County, Hawaii
Every institution that decided a 1–4 unit mortgage application in Honolulu County between 2023 and 2025: 42,964 applications, 31,297 loans actually funded, across 8 kinds of borrowing.
Honolulu County at a glance
42,964Applications decided
2023–2025
31,297Loans funded
73% of decisions
329Census tracts
27 ZIP codes
1,003,666People
ACS 2023
What the data shows
The typical purchase mortgage here is $605K.
Investment home improvement is the hardest money to get here: lenders approved 45% of 968 applications.
Lending by loan type in Honolulu County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.0% | 18,185 | $605K | 97% | 206 |
| Home improvement loans | 57.8% | 6,168 | $155K | 94% | 68 |
| Cash-out refinance | 59.7% | 4,036 | $405K | 93% | 143 |
| Refinance | 74.3% | 7,957 | $305K | 94% | 142 |
| Investment property purchase | 82.5% | 3,485 | $485K | 95% | 194 |
| Investment cash-out refinance | 66.2% | 943 | $395K | 88% | 130 |
| Investment refinance | 63.0% | 1,222 | $345K | 90% | 118 |
| Investment home improvement | 44.8% | 968 | $205K | 95% | 40 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.