Lokahi mortgage approval rate & lending review
Lokahi decided 542 mortgage applications and funded 403 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lokahi reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lokahi at a glance
Approval is 5.6 points above the 68.8% 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 | 60% | 18 / 30 | 100% | $255K | 18 |
| Home improvement loans | 72% | 193 / 267 | 100% | $125K | 193 |
| Cash-out refinance | 72% | 52 / 72 | 100% | $255K | 52 |
| Refinance | 88% | 127 / 145 | 100% | $255K | 127 |
Lokahi lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Hawaii | 74% | $175K | 542 | 403 |
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 Lokahi lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Honolulu County, HI | Home improvement loans | 73% | 262 | 192 |
| Honolulu County, HI | Refinance | 88% | 145 | 127 |
| Honolulu County, HI | Cash-out refinance | 72% | 72 | 52 |
The county markets where Lokahi made the most loans. Each link opens that market with every lender ranked.
Questions about Lokahi
What is Lokahi's mortgage approval rate?
Lokahi approved 74.4% of the 542 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Lokahi offers?
Borrowers accepted 100% of the loans Lokahi approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Lokahi make?
The typical home improvement loan loan Lokahi made was $125K; across all loan types its typical loan ran from $125K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lokahi lend?
Lokahi decided applications in 1 of the states Fat Boy Data covers, most of them in Hawaii.
Can I apply to Lokahi directly?
Yes. Lokahi is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lokahi'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 Lokahi treats applications, then get a rate quote from the lender.