SBA lending by state
SBA Lending in Hawaii
In Hawaii, SBA lenders funded 4,566 7(a) and 504 loans since FY2010, totaling $921.0M, an average of $202K per loan. The most active lender is Central Pacific Bank, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Hawaii
Ranked by SBA loans funded in Hawaii since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Hawaii loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Hawaii shows “not reported,” never 0%.
See the full Hawaii ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Central Pacific Bank | 1,516 | $81.4M | $54K | 6.53% |
| 2 | American Savings Bank, National Association | 522 | $25.9M | $50K | 7.66% |
| 3 | HEDCO Local Development Corporation | 516 | $316.2M | $613K | not reported |
| 4 | Bank of Hawaii | 434 | $49.8M | $115K | 2.30% |
| 5 | First Hawaiian Bank | 381 | $50.8M | $133K | 3.41% |
| 6 | HawaiiUSA FCU | 303 | $9.8M | $32K | 0.66% |
| 7 | Hawaii National Bank | 77 | $17.9M | $233K | 2.60% |
| 8 | Northeast Bank | 66 | $9.8M | $148K | 0.00% |
| 9 | BayFirst National Bank | 63 | $11.2M | $177K | 4.76% |
| 10 | Gather FCU | 63 | $10.8M | $172K | 1.59% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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504 lenders (CDCs) in Hawaii
An SBA 504 project in Hawaii pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Hawaii, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| HEDCO Local Development Corporation | 516 | $316.2M |
| Mortgage Capital Development Corporation | 21 | $25.5M |
| Business Finance Capital | 3 | $4.1M |
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Hawaii
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 724 | $146.4M |
| Construction | 803 | $129.5M |
| Retail Trade | 492 | $110.8M |
| Health Care and Social Assistance | 375 | $88.0M |
| Professional and Technical Services | 386 | $73.9M |
| Wholesale Trade | 249 | $68.2M |
| Other Services | 327 | $56.5M |
| Manufacturing | 238 | $54.8M |
Top cities for SBA loans in Hawaii
Where SBA 7(a) and 504 borrowers in Hawaii are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Honolulu | 1,854 | $341.3M |
| Kapolei | 210 | $83.9M |
| Waipahu | 217 | $55.1M |
| Kahului | 127 | $37.5M |
| Kihei | 179 | $37.4M |
| Kailua Kona | 155 | $33.1M |
| Hilo | 94 | $29.5M |
| Wailuku | 151 | $28.3M |
SBA lending by metro area in Hawaii
Which lenders fund each Hawaii market, with local loan sizes and industries.
- SBA lenders in Urban Honolulu, HI 3,128 loans
- SBA lenders in Kahului, HI 678 loans
- SBA lenders in Hilo, HI 466 loans
- SBA lenders in Kapaa, HI 298 loans
SBA lending in Hawaii by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 289 | $40.9M |
| 2011 | 299 | $60.7M |
| 2012 | 308 | $52.4M |
| 2013 | 325 | $58.2M |
| 2014 | 427 | $49.4M |
| 2015 | 726 | $75.9M |
| 2016 | 419 | $56.5M |
| 2017 | 302 | $69.9M |
| 2018 | 238 | $59.1M |
| 2019 | 157 | $50.1M |
| 2020 | 102 | $34.1M |
| 2021 | 137 | $45.5M |
| 2022 | 131 | $38.4M |
| 2023 | 160 | $58.4M |
| 2024 | 233 | $71.3M |
| 2025 | 255 | $81.2M |
| 2026 | 58 | $18.9M |
SBA lending in Hawaii: frequently asked questions
How much SBA lending is there in Hawaii?
SBA lenders funded 4,566 7(a) and 504 loans totaling $921.0M in Hawaii in the public SBA data (as of 2026-03-31), an average of $202K per loan.
Who is the most active SBA lender in Hawaii?
Central Pacific Bank is the most active SBA lender in Hawaii in the public data, by loans funded.
What industries get the most SBA loans in Hawaii?
The most-funded industry for SBA loans in Hawaii is Accommodation and Food Services.
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