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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Hawaii

Fat Boy Data analyzed home improvement loan activity in Hawaii to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,460 applications were decided by 85 lenders between 2023 and 2025.

Hawaii at a glance

85Active lenders21 with 20+ decisions
56.2%Market approval rate4,751 of 8,460 decided
$155KTypical loanmedian lender, $10K brackets
94%Borrower take-up4,475 loans funded

How Hawaii compares

Approval rate compared
Hawaii56.2%All 616 counties62.7%
Typical loan compared
Hawaii$155KAll 616 counties$75K

What the data shows

Hawaii State Federal Credit Union made the most home improvement loans in Hawaii, 927 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 79% of 42.

Lenders approved 56.2% of home improvement loan applications in Hawaii, 6.5 percentage points below the the United States rate of 62.7%.

The typical home improvement loan here is $155K, 107% larger than the the United States typical of $75K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 21 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 15% approved of 193Bank of America, National Association: 19% approved of 139Alliant Credit Union: 32% approved of 28Pentagon Federal Credit Union: 33% approved of 97Kind Lending, LLC: 38% approved of 24Nationstar Mortgage LLC: 38% approved of 29Central Pacific Bank: 39% approved of 495HomeStreet Bank: 42% approved of 33U.S. Bank National Association: 44% approved of 43Bank of Hawaii: 50% approved of 1,361Pearl Hawaii Federal Credit Union: 52% approved of 25American Savings Bank, N.A.tional Association: 55% approved of 1,342Navy Federal Credit Union: 55% approved of 468Hawaiiusa: 58% approved of 1,160Rocket Mortgage, LLC: 59% approved of 29Aloha Pacific Federal Credit Union: 61% approved of 301Hawaii State Federal Credit Union: 69% approved of 1,362First Hawaiian Bank: 70% approved of 775The Loan Store, Inc.: 72% approved of 67Lokahi: 72% approved of 267Homebridge Financial Services, Inc.: 79% approved of 42

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Hawaii

LenderApprovalApprovedTaken upTypical loanLoans made
1Hawaii State Federal Credit Union69%937 / 1,36299%$175K927
2Bank of Hawaii50%676 / 1,36195%$185K641
3American Savings Bank, N.A.tional Association55%735 / 1,34295%$155K701
4Hawaiiusa58%671 / 1,16083%$155K558
5First Hawaiian Bank70%539 / 77597%$155K525

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 80 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Hawaii. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Hawaii

Counties in Hawaii