Purchase Originations
271
Median Total Costs
$7,905
+18.3% vs national ($6,680)
↑ $46 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,940
Median Lender Credits
$47
Denial Rate
15.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 266 | 6.500% | $7,847 | $2,922 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Hawaii | 271 | 6.500% | $7,905 | #8 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,343 | 6.312% | — | 4 | −$2,562 | |
| 2 | $5,556 | 6.375% | — | 14 | −$2,349 | |
| 3 | $7,919 | 6.500% | — | 242 | +$14 | |
| 4 | $12,030 | 6.500% | — | 11 | +$4,125 |
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 | Central Pacific Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $7,905 | $7,127 | +$778 (+10.9%) |
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.