Bank of Hawaii mortgage approval rate & lending review
Bank of Hawaii decided 5,516 mortgage applications and funded 3,632 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Hawaii reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Hawaii at a glance
Approval is 7.3 points below the 75.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,122 / 1,245 | 99% | $485K | 1,111 |
| Home improvement loans | 50% | 676 / 1,362 | 95% | $185K | 641 |
| Cash-out refinance | 78% | 127 / 163 | 99% | $425K | 126 |
| Refinance | 64% | 973 / 1,525 | 96% | $305K | 933 |
| Investment property purchase | 87% | 513 / 589 | 99% | $485K | 508 |
| Investment cash-out refinance | 67% | 22 / 33 | 95% | $565K | 21 |
| Investment refinance | 58% | 162 / 277 | 95% | $345K | 154 |
| Investment home improvement | 44% | 142 / 322 | 97% | $205K | 138 |
Bank of Hawaii lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 68% | $345K | 5,515 | 3,632 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Hawaii lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Mortgage lenders | 92% | 1,039 | 946 |
| Honolulu County, HI | Refinance | 64% | 1,209 | 742 |
| Honolulu County, HI | Home improvement loans | 51% | 881 | 426 |
| Hawaii County, HI | Home improvement loans | 45% | 283 | 124 |
| Honolulu County, HI | Investment refinance | 56% | 207 | 110 |
| Hawaii County, HI | Refinance | 59% | 185 | 109 |
| Maui County, HI | Investment property purchase | 88% | 122 | 106 |
| Honolulu County, HI | Cash-out refinance | 76% | 136 | 102 |
| Hawaii County, HI | Investment property purchase | 88% | 111 | 97 |
| Maui County, HI | Home improvement loans | 49% | 197 | 91 |
| Hawaii County, HI | Mortgage lenders | 78% | 113 | 87 |
| Maui County, HI | Refinance | 66% | 131 | 82 |
The county markets where Bank of Hawaii made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Hawaii
What is Bank of Hawaii's mortgage approval rate?
Bank of Hawaii approved 67.7% of the 5,516 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points below the 75.1% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Hawaii offers?
Borrowers accepted 97% of the loans Bank of Hawaii approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Hawaii make?
The typical mortgage refinance loan Bank of Hawaii made was $305K; across all loan types its typical loan ran from $185K to $565K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Hawaii lend?
Bank of Hawaii decided applications in 2 of the states Fat Boy Data covers, most of them in Hawaii and Colorado.
Can I apply to Bank of Hawaii directly?
Yes. Bank of Hawaii is a bank or credit union with 52 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Hawaii's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Hawaii treats applications, then get a rate quote from the lender.