DSCR Loans in Hawaii
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Hawaii, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. In 2025 HMDA data, 172 lenders made 2,466 investment-property loans in Hawaii; the most active are in the table below, and 4 counties have their own page.
Hawaii investor market at a glance
| Statistic | Hawaii | National | State rank |
|---|---|---|---|
| Investor loans | 2,466 | 553,332 | 38th of 51 |
| Reporting lenders | 172 | 4,120 | 46th of 51 |
| Loan volume | $1.64B | $190.57B | 30th of 51 |
| Average loan | $664K | $344K | 2nd of 51 |
| Median loan | $505K | — | 1st of 51 |
| Purchases | 65.7% | 59.2% | 9th of 51 |
| Cash-out refinances | 19.5% | 18.8% | 18th of 51 |
| 2–4 unit properties | 6.0% | 17.3% | 50th of 51 |
| Top five lenders' share | 27.1% | 21.9% | 11th of 51 |
| Reported business-purpose | 77.2% | 70.8% | 6th of 51 |
Hawaii: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Hawaii
The median investor loan in Hawaii was $505K, the highest median of the 50 states and DC.
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
6.0% of Hawaii's investor loans financed a 2–4 unit property, the 2nd-lowest share of the 50 states and DC (national figure: 17.3%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
By share of investor loans reported as business-purpose, Hawaii ranks 6th-highest of the 50 states and DC (national figure: 70.8%).
77.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Who are the DSCR and investment-property lenders in Hawaii?
The most active investment-property lenders in Hawaii in 2025 HMDA data were Citadel Servicing Corporation, Bank of Hawaii and CONVENTUS LLC, out of 172 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Hawaii, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Hawaii's 2025 filings to closed-end loans on 1–4 unit investment properties: 2,466 loans totaling $1.64B across 172 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Citadel Servicing Corporation | 157 | $83.3M | $530K | 65.6% |
| Bank of Hawaii | 153 | $95.4M | $624K | 89.5% |
| CONVENTUS LLC | 133 | $96.3M | $724K | 62.4% |
| HOMEXPRESS MORTGAGE CORP. | 130 | $76.7M | $590K | 63.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 95 | $48.0M | $505K | 94.7% |
| First Hawaiian Bank | 93 | $55.5M | $597K | 74.2% |
| THE LOAN STORE, INC. | 85 | $52.2M | $614K | 55.3% |
| United Wholesale Mortgage | 78 | $54.1M | $694K | 62.8% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 68 | $45.6M | $670K | 69.1% |
| American Savings Bank, FSB | 68 | $36.5M | $537K | 79.4% |
| Rocket Mortgage, LLC | 62 | $35.0M | $565K | 48.4% |
| GUARANTEED RATE, INC. | 51 | $38.6M | $756K | 76.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 48 | $26.8M | $558K | 68.8% |
| Central Pacific Bank | 43 | $20.4M | $473K | 81.4% |
| CV3 Financial Services, LLC | 42 | $41.4M | $987K | 81.0% |
| NEWREZ LLC | 41 | $27.4M | $668K | 61.0% |
| PENNYMAC LOAN SERVICES, LLC | 39 | $24.7M | $634K | 61.5% |
| CMG MORTGAGE, INC. | 38 | $19.7M | $519K | 65.8% |
| Loan Funder LLC | 36 | $17.4M | $483K | 86.1% |
| CHAMPIONS FUNDING, LLC | 35 | $20.3M | $579K | 51.4% |
| NFM, INC. | 34 | $14.6M | $431K | 97.1% |
| Hometown Equity Mortgage, LLC | 31 | $18.4M | $594K | 54.8% |
| Northpointe Bank | 29 | $19.3M | $667K | 82.8% |
| DEEPHAVEN MORTGAGE LLC | 29 | $15.7M | $543K | 51.7% |
| GUILD MORTGAGE COMPANY | 29 | $14.1M | $486K | 75.9% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 172 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Hawaii lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
DSCR loans by county in Hawaii
Each county page compares the county's 2025 HMDA investor-lending figures with Hawaii's and names its most active lenders. Counties are listed by investor loan count.
4 Hawaii counties have their own page so far.
- Honolulu County1,242 loans
- Hawaii County598 loans
- Maui County360 loans
- Kauai County229 loans
Run the coverage test on your Hawaii deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hawaii property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Hawaii's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 172 lenders and 2,466 loans: 2025 HMDA loan-level data.
- Hawaii investor-lender dataset (CSV) — Every Hawaii lender behind the table above, with volume, average loan and purchase share for each.
- Hawaii investor lending data, Dominick Prevete — The Hawaii table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.