Purchase Originations
533
Ranked #606 nationally
Median Total Costs
$12,101
+81.2% vs national ($6,680)
↑ $820 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$7,033
Median Lender Credits
$5,456
Cost Rank (500+ vol.)
#581
among lenders with 500+ originations
Denial Rate
4.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 523 | 6.125% | $12,047 | $7,012 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Hawaii | 533 | 6.125% | $12,101 | #3 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $11,956 | 6.125% | — | 462 | −$145 | |
| 2 | $12,084 | 6.125% | — | 24 | −$17 | |
| 3 | $12,105 | 6.125% | — | 35 | +$4 | |
| 4 | $17,910 | 6.375% | — | 12 | +$5,809 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bank of Hawaii | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $475,000 | $335,000 | +$140,000 (+41.8%) |
| Median total closing costs | $12,101 | $7,127 | +$4,974 (+69.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.