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Kauai County, Hawaii · 2025

Mortgage lenders in Kauai County, HI: denial rates and top lenders (2025)

142 lenders acted on 1,988 mortgage applications for properties in Kauai County in 2025. 24.3% were denied (Hawaii: 21.8%). Median rate on closed loans 6.50%; median loan $475,000; median property value $995,000.

2.0kApplications
24.3%Denial ratestate 21.8%
6.50%Median ratestate 6.15%
$475,000Median loan
$995,000Median property value

Largest lenders in Kauai County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First Hawaiian Bank B 224114 18.3%5.87%
2 Bank of Hawaii C 18584 39.5%6.10%
3 American Savings Bank C 13773 40.9%5.70%
4 Hawaiiusa Federal Credit Union C 13049 47.7%5.50%
5 Rocket Mortgage C 10876 14.8%6.75%
6 United Shore Financial Services B 10586 9.5%6.50%
7 Securitynational Mortgage D 8551 11.8%7.13%
8 Guaranteed Rate B 7234 8.3%6.63%
9 Newrez D 5419 16.7%6.99%
10 Central Pacific Bank C 5217 44.2%6.15%
11 Homexpress Mortgage C 5133 35.3%7.25%
12 CMG Mortgage A 4429 2.3%6.38%
13 Loandepot.Com D 2617 23.1%7.13%
14 Pennymac Loan Services C 2512 24.0%6.12%
15 Hawaii State Federal Credit Union C 2415 20.8%5.90%
16 U.S. Bank D 2210 36.4%5.94%
17 AmeriSave Mortgage D 222 59.1%8.00%
18 Navy Federal Credit Union D 197 15.8%9.00%
19 Aloha Pacific Federal Credit Union B 1812 27.8%5.75%
20 Freedom Mortgage B 178 5.9%6.06%
21 Plaza Home Mortgage C 176 52.9%6.25%
22 JPMorgan Chase Bank B 166 31.3%6.37%
23 Kind Lending C 1613 6.3%6.63%
24 Better Mortgage F 152 46.7%7.81%
25 Commerce Home Mortgage C 157 6.7%7.25%

Best approval odds in Kauai County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1United Shore Financial Services9710.3%
2Securitynational Mortgage6116.4%
3Rocket Mortgage9516.8%
4First Hawaiian Bank16125.5%
5Homexpress Mortgage5135.3%
6American Savings Bank13242.4%
7Bank of Hawaii15846.2%
8Hawaiiusa Federal Credit Union11653.5%

What Kauai County borrowers applied for

By loan purpose

Home purchase 686 35% · 11.5% denied
Refinance 403 20% · 23.8% denied
Cash-out refinance 361 18% · 23.8% denied
Home improvement 239 12% · 40.2% denied
Other / HELOC 299 15% · 42.1% denied

By loan type

Conventional 1,788 90% · 24.9% denied
FHA 123 6% · 24.4% denied
VA 74 4% · 9.5% denied
USDA / RHS 3 0% · 33.3% denied

Why applications were denied

Debt-to-income ratio 205 42%
Collateral 104 22%
Credit history 78 16%
Other 33 7%
Incomplete application 28 6%
Unverifiable information 25 5%
Employment history 5 1%
Insufficient cash 5 1%

Kauai County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,53681326.2%6.38%$405,000
20241,53178925.3%7.00%$445,000
20251,9881,04824.3%6.50%$475,000

Frequently asked questions

24.3% of applications in Kauai County were denied in 2025, against 21.8% statewide in Hawaii.

First Hawaiian Bank, with 224 applications in 2025 and a denial rate of 18.3%.

The median mortgage application in Kauai County in 2025 was for $475,000; the median property value on originated loans was $995,000.