Bank of Hawaii
Bank of Hawaii received 3,680 applications in 2025 and made 1,974 mortgages, in 5 counties across 2 states. The median rate its borrowers got was 6.000% on a median loan of $355,000. Of 3,035 decisions, 1,022 were denials — 33.7%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | XJCRTTYJVBMA22IXL619 |
|---|---|
| Applications received | 3,680 |
| Mortgages made | 1,974 |
| Denied | 1,022 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 645 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.59 points |
| FDIC-insured bank | Yes: Bank of Hawaii, 52 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 773 | 6.250% | $475,000 | 9.3% |
| Refinancing | 477 | 5.950% | $365,000 | 33.5% |
| Cash-out refinancing | 56 | 6.125% | $425,000 | 19.7% |
| Other purposes | 668 | 5.950% | $195,000 | 49.7% |
Where Bank of Hawaii lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Honolulu County, HI | 1,473 | 6.000% | 30.3% |
| Hawaii County, HI | 235 | 6.000% | 42.9% |
| Maui County, HI | 180 | 6.150% | 38.6% |
| Kauai County, HI | 84 | 6.100% | 46.2% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
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When Bank of Hawaii’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.