First Hawaiian Bank mortgage approval rate & lending review
First Hawaiian Bank decided 4,143 mortgage applications and funded 3,052 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Hawaiian Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Hawaiian Bank at a glance
Approval is 1.8 points above the 75.8% 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 | 92% | 724 / 786 | 91% | $505K | 657 |
| Home improvement loans | 70% | 539 / 775 | 97% | $155K | 525 |
| Cash-out refinance | 81% | 62 / 77 | 85% | $395K | 53 |
| Refinance | 75% | 1,049 / 1,405 | 97% | $255K | 1,016 |
| Investment property purchase | 89% | 426 / 478 | 96% | $525K | 407 |
| Investment cash-out refinance | 79% | 22 / 28 | 95% | $735K | 21 |
| Investment refinance | 68% | 242 / 357 | 95% | $325K | 231 |
| Investment home improvement | 62% | 148 / 237 | 96% | $205K | 142 |
First Hawaiian Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 78% | $255K | 4,142 | 3,051 |
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 First Hawaiian Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Refinance | 75% | 1,122 | 815 |
| Honolulu County, HI | Mortgage lenders | 94% | 625 | 531 |
| Honolulu County, HI | Home improvement loans | 71% | 492 | 338 |
| Honolulu County, HI | Investment refinance | 65% | 272 | 168 |
| Maui County, HI | Investment property purchase | 90% | 174 | 150 |
| Hawaii County, HI | Refinance | 70% | 166 | 117 |
| Hawaii County, HI | Home improvement loans | 63% | 166 | 103 |
| Maui County, HI | Home improvement loans | 75% | 117 | 84 |
| Maui County, HI | Refinance | 77% | 117 | 84 |
| Hawaii County, HI | Investment property purchase | 85% | 92 | 75 |
| Hawaii County, HI | Mortgage lenders | 82% | 93 | 68 |
| Maui County, HI | Mortgage lenders | 93% | 68 | 58 |
The county markets where First Hawaiian Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Hawaiian Bank
What is First Hawaiian Bank's mortgage approval rate?
First Hawaiian Bank approved 77.5% of the 4,143 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.8 points above the 75.8% national rate for the same mix of loan types.
How often do borrowers take the loan First Hawaiian Bank offers?
Borrowers accepted 95% of the loans First Hawaiian Bank 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 First Hawaiian Bank make?
The typical mortgage refinance loan First Hawaiian Bank made was $255K; across all loan types its typical loan ran from $155K to $735K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Hawaiian Bank lend?
First Hawaiian Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Hawaii and California.
Can I apply to First Hawaiian Bank directly?
Yes. First Hawaiian Bank is a bank or credit union with 49 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Hawaiian 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 First Hawaiian Bank treats applications, then get a rate quote from the lender.