Hawaii · Q1 2026
What Hawaii borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 192 lenders.
Published 2026-04-29.
Hawaii · headline
The gap between Hawaii's lowest- and highest-cost ranked lenders in 2025 was $7,082 on a typical loan — borrowers using Freedom Mortgage paid roughly 106% more than borrowers using The Loan Store, Inc. on similar loans.
Source: FFIEC HMDA 2025 (n=11,977)
In 2025, 192 mortgage lenders originated 11,977 reportable loans in Hawaii according to FFIEC HMDA data. The median borrower paid $9,720 in total loan costs. That is 129.1% above the national median across all 50 states and DC.
Hawaii's median total loan cost was $9,720, 129.1% above the national median of $4,242. On a typical loan, that translates to roughly $5,478 more than borrowers paid in the average state.
The Loan Store, Inc. posted the lowest median total loan costs at $6,664, 31.4% below the Hawaii median. Across the ranked lenders, 11 earned an A grade against peer averages and 0 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Hawaii are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $9,931 | $4,332 | 1,177 | A |
| 2 | Rocket Mortgage | $7,134 | $3,957 | 1,100 | A |
| 3 | Bank of Hawaii | $12,298 | $7,901 | 720 | B |
| 4 | American Savings Bank, F.S.B. | $9,711 | $4,630 | 673 | A |
| 5 | Freedom Mortgage | $13,746 | $4,240 | 511 | C |
| 6 | Pennymac | $8,337 | $2,709 | 423 | A |
| 7 | First Hawaiian Bank | $13,067 | $9,081 | 402 | C |
| 8 | Mortgage Research Center, LLC | $8,087 | $3,631 | 368 | A |
| 9 | Newrez | $8,648 | $1,944 | 367 | A |
| 10 | Guaranteed Rate | $7,853 | $1,728 | 358 | A |
Hawaii median total loan cost
Hawaii borrowers paid a median $9,720 in total loan costs in 2025, based on 11,977 HMDA-reported loans across 192 lenders.
FFIEC HMDA 2025
Lender spread in Hawaii
In Hawaii, the gap between The Loan Store, Inc. ($6,664 median) and Freedom Mortgage ($13,746 median) was $7,082 on a typical 2025 loan.
FFIEC HMDA 2025
Hawaii vs. national
Hawaii closing costs ran 129.1% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Hawaii was $4,184, with the typical lender clustering tightly around that figure. Discount points appeared on 61% of loans, with a median paid amount of $4,266 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 41% of loans, with a median credit of $531.
Avg $6,725
Median $4,266 when present
Median $531 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Hawaii) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Hawaii
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