Central Pacific Bank mortgage approval rate & lending review
Central Pacific Bank decided 2,510 mortgage applications and funded 1,536 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Central Pacific Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Central Pacific Bank at a glance
Approval is 14.8 points below the 77.6% 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 | 80% | 676 / 845 | 98% | $485K | 664 |
| Home improvement loans | 39% | 194 / 495 | 95% | $135K | 185 |
| Cash-out refinance | 69% | 25 / 36 | 96% | $575K | 24 |
| Refinance | 61% | 423 / 697 | 97% | $295K | 412 |
| Investment property purchase | 70% | 152 / 218 | 99% | $475K | 150 |
| Investment refinance | 47% | 61 / 131 | 97% | $295K | 59 |
| Investment home improvement | 50% | 42 / 84 | 93% | $205K | 39 |
Central Pacific Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 63% | $475K | 2,510 | 1,536 |
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 Central Pacific Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Mortgage lenders | 81% | 719 | 575 |
| Honolulu County, HI | Refinance | 61% | 556 | 332 |
| Honolulu County, HI | Home improvement loans | 39% | 317 | 121 |
| Hawaii County, HI | Refinance | 58% | 91 | 51 |
| Honolulu County, HI | Investment refinance | 45% | 111 | 49 |
| Hawaii County, HI | Mortgage lenders | 75% | 67 | 48 |
| Maui County, HI | Mortgage lenders | 71% | 59 | 41 |
| Hawaii County, HI | Home improvement loans | 42% | 91 | 34 |
| Maui County, HI | Home improvement loans | 36% | 87 | 30 |
| Maui County, HI | Refinance | 58% | 50 | 29 |
The county markets where Central Pacific Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Central Pacific Bank
What is Central Pacific Bank's mortgage approval rate?
Central Pacific Bank approved 62.8% of the 2,510 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.8 points below the 77.6% national rate for the same mix of loan types.
How often do borrowers take the loan Central Pacific Bank offers?
Borrowers accepted 97% of the loans Central Pacific Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Central Pacific Bank make?
The typical home purchase mortgage loan Central Pacific Bank made was $485K; across all loan types its typical loan ran from $135K to $575K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Central Pacific Bank lend?
Central Pacific Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Hawaii.
Can I apply to Central Pacific Bank directly?
Yes. Central Pacific Bank is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Central Pacific Bank'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 Central Pacific Bank treats applications, then get a rate quote from the lender.