Purchase Originations
115
Median Total Costs
$10,787
+61.5% vs national ($6,680)
↑ $1,331 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$6,912
Median Lender Credits
$1,000
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 115 | 6.125% | $10,787 | $6,912 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Hawaii | 115 | 6.125% | $10,787 | #17 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $9,721 | 6.000% | — | 6 | −$1,066 | |
| 2 | $10,446 | 6.125% | — | 102 | −$341 | |
| 3 | $12,181 | 6.250% | — | 3 | +$1,394 | |
| 4 | $13,147 | 6.000% | — | 4 | +$2,360 |
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 | Hawaii State Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $10,787 | $7,127 | +$3,660 (+51.4%) |
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.