Mortgage lenders in Kauai County
1,048 mortgages were made in Kauai County, Hawaii, in 2025, by 149 lenders. The median rate their borrowers got was 6.500% on a median loan of $535,000. Of 1,580 decisions, 483 were denials — 30.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First Hawaiian Bank | 114 | 5.868% | $305,000 | 25.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 86 | 6.500% | $715,000 | 10.3% |
| Bank of Hawaii | 84 | 6.100% | $400,000 | 46.2% |
| Rocket Mortgage, LLC | 76 | 6.750% | $470,000 | 16.8% |
| American Savings Bank, FSB | 73 | 5.700% | $305,000 | 42.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 51 | 7.125% | $405,000 | 16.4% |
| HAWAIIUSA FEDERAL CREDIT UNION | 49 | 5.500% | $305,000 | 53.4% |
| GUARANTEED RATE, INC. | 34 | 6.625% | $710,000 | 14.3% |
| HOMEXPRESS MORTGAGE CORP. | 33 | 7.250% | $455,000 | 35.3% |
| CMG MORTGAGE, INC. | 29 | 6.375% | $685,000 | 3.0% |
| NEWREZ LLC | 19 | 6.990% | $695,000 | 31.0% |
| Central Pacific Bank | 17 | 6.150% | $305,000 | 57.5% |
| Loandepot.Com, LLC | 17 | 7.125% | $285,000 | 24.0% |
| HAWAII STATE FEDERAL CREDIT UNION | 15 | 5.900% | $795,000 | 23.8% |
| KIND LENDING, LLC | 13 | 6.625% | $745,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.125% | $715,000 | 33.3% |
| ALOHA PACIFIC FEDERAL CREDIT UNION | 12 | 5.750% | $255,000 | 29.4% |
| Citadel Servicing Corporation | 12 | 7.563% | $635,000 | 0.0% |
| NEXERA HOLDING LLC | 12 | 7.000% | $825,000 | 0.0% |
| THE LOAN STORE, INC. | 11 | 6.625% | $625,000 | 7.1% |
| NFM, INC. | 11 | 6.990% | $695,000 | 0.0% |
| U.S. Bank National Association | 10 | 5.938% | $1,455,000 | 44.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.562% | $725,000 | 16.7% |
| NATIONSTAR MORTGAGE LLC | 10 | 8.000% | $295,000 | 0.0% |
| PACIFIC HOME LOANS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OAKTREE FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 60.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FOUNDATION MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 86.7% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Churchill Funding I LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE FACTORS, LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank First, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| University of Hawaii Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ML Mortgage Corp. | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ZILLOW HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Peak Residential Lending Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| MLD MORTGAGE INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| WESCOM CENTRAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VAL-CHRIS INVESTMENTS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First-Citizens Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Pennian Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Kauai County
14 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Hawaiian Bank | 5 | $625.9 million |
| Bank of Hawaii | 4 | $735.9 million |
| American Savings Bank, National Association | 2 | $260.6 million |
| Central Pacific Bank | 1 | $115.4 million |
| Bank of Hope | 1 | $10.5 million |
| Finance Factors, Ltd. | 1 | $6.5 million |
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When the next year’s lending figures are out for Kauai County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.