First Hawaiian Bank
First Hawaiian Bank received 2,742 applications in 2025 and made 1,588 mortgages, in 5 counties across 2 states. The median rate its borrowers got was 5.868% on a median loan of $295,000. Of 2,202 decisions, 532 were denials — 24.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | WWJYKHS2UNKSDW8XLB53 |
|---|---|
| Applications received | 2,742 |
| Mortgages made | 1,588 |
| Denied | 532 |
| Approved, not taken up | 82 |
| Withdrawn or incomplete | 540 |
| Loans bought from other lenders | 42 |
| Median rate spread over the prime offer rate | -0.79 points |
| FDIC-insured bank | Yes: First Hawaiian Bank, 49 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 361 | 6.125% | $495,000 | 8.9% |
| Refinancing | 597 | 5.868% | $275,000 | 24.8% |
| Cash-out refinancing | 30 | 6.313% | $605,000 | 12.8% |
| Other purposes | 600 | 5.868% | $205,000 | 31.3% |
Where First Hawaiian Bank lends most
The 5 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 | 1,097 | 5.868% | 23.3% |
| Hawaii County, HI | 204 | 5.868% | 30.0% |
| Maui County, HI | 171 | 5.868% | 21.8% |
| Kauai County, HI | 114 | 5.868% | 25.5% |
| Multnomah County, OR | 2 | Under 10 loans | 0.0% |
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When First Hawaiian 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.