Native Hawaiians are overwhelmingly concentrated in Hawaii, with approximately 157,445 individuals identifying as Native Hawaiian or Pacific Islander (HoPI) in the state, representing 10.8% of Hawaii’s total population. This makes Hawaii unique when it comes to mortgage lending as nearly all census tracts in Hawaii (over 95%) are classified as majority-minority census tracts.

The “Asian American and Pacific Islander” (AAPI) label commonly used in housing discussions obscures important patterns in Hawaii’s market. When disaggregated, Asian buyer groups and Native Hawaiian/Pacific Islander buyers show fundamentally different market participation.

The five states with the largest Native American populations were California (649,862), Oklahoma (332,791), Arizona (319,512), Texas (278,948) and New Mexico (212,241). When measured by their percentage of a state’s population, Native Americans represent substantial population shares in New Mexico (10.0%), Oklahoma (8.4%) and Arizona (4.5%).

This unique geographic concentration of Native communities means that data on a national level often masks important regional lending patterns that have outsized impacts on these communities specifically.

For the complete series, including videos, interactive visualizations and localized market analysis, visit our 2025 Mortgage Market series homepage . NCRC members can request customized community data requests as well.  Those interested in membership benefits should contact Ralph Cyrus (Membership Engagement Specialist) at [email protected].