Central Pacific Bank
Central Pacific Bank received 1,519 applications in 2025 and made 720 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 6.125% on a median loan of $385,000. Of 1,251 decisions, 510 were denials — 40.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005R24FV5DFFXW42 |
|---|---|
| Applications received | 1,519 |
| Mortgages made | 720 |
| Denied | 510 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 268 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | -0.5585 points |
| FDIC-insured bank | Yes: Central Pacific Bank, 27 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 344 | 6.500% | $475,000 | 22.3% |
| Refinancing | 224 | 6.000% | $305,000 | 39.2% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 143 | 6.050% | $165,000 | 63.2% |
Where Central Pacific Bank lends most
The 4 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 | 576 | 6.125% | 37.2% |
| Hawaii County, HI | 74 | 6.050% | 49.7% |
| Maui County, HI | 53 | 6.050% | 51.8% |
| Kauai County, HI | 17 | 6.150% | 57.5% |
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When Central Pacific Bank’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.