Purchase Originations
255
Median Total Costs
$12,964
+94.1% vs national ($6,680)
↑ $2,374 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$8,750
Median Lender Credits
$956
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 254 | 5.938% | $13,015 | $8,781 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Hawaii | 255 | 6.000% | $12,964 | #10 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $12,263 | 6.125% | — | 16 | −$701 | |
| 2 | $13,065 | 5.875% | — | 219 | +$101 | |
| 3 | $13,100 | 6.375% | — | 13 | +$136 | |
| 4 | $16,145 | 6.500% | — | 7 | +$3,181 |
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 | First Hawaiian Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $495,000 | $335,000 | +$160,000 (+47.8%) |
| Median total closing costs | $12,964 | $7,127 | +$5,837 (+81.9%) |
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.