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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Honolulu County, Hawaii

Fat Boy Data analyzed home improvement loan activity in Honolulu County, 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. 6,168 applications were decided by 68 lenders between 2023 and 2025.

Honolulu County at a glance

68Active lenders17 with 20+ decisions
57.8%Market approval rate3,564 of 6,168 decided
$155KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,355 loans funded

How Honolulu County compares

Approval rate compared
Honolulu County57.8%Hawaii56.2%All 616 counties62.7%
Typical loan compared
Honolulu County$155KHawaii$155KAll 616 counties$75K

What the data shows

Hawaii State Federal Credit Union made the most home improvement loans in Honolulu County, HI, 749 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 82% of 22.

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 17 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 13% approved of 119Bank of America, National Association: 18% approved of 85Alliant Credit Union: 25% approved of 20Pentagon Federal Credit Union: 32% approved of 78U.S. Bank National Association: 35% approved of 23Central Pacific Bank: 39% approved of 317Bank of Hawaii: 51% approved of 881Navy Federal Credit Union: 54% approved of 431Pearl Hawaii Federal Credit Union: 57% approved of 23Hawaiiusa: 58% approved of 895American Savings Bank, N.A.tional Association: 60% approved of 923Aloha Pacific Federal Credit Union: 61% approved of 287The Loan Store, Inc.: 68% approved of 44Hawaii State Federal Credit Union: 69% approved of 1,106First Hawaiian Bank: 71% approved of 492Lokahi: 73% approved of 262Homebridge Financial Services, Inc.: 82% approved of 22

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

Home improvement loan lenders in Honolulu County

LenderApprovalApprovedTaken upTypical loanLoans made
1Hawaii State Federal Credit Union69%758 / 1,10699%$175K749
2American Savings Bank, N.A.tional Association60%550 / 92395%$155K525
3Hawaiiusa58%522 / 89583%$155K433
4Bank of Hawaii51%453 / 88194%$185K426
5First Hawaiian Bank71%347 / 49297%$155K338

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 63 more lenders.

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