Lender in Hawaii · HMDA 2025
Rate mortgages in Hawaii
Rate's 2025 home-purchase and refinance lending in Hawaii, compared with all lenders in the state.
Rate originated 345 owner-occupied single-family loans in Hawaii from 371 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $7,680 versus $9,790 for all Hawaii lenders, at a median 30-year fixed rate of 6.60% (Hawaii: 6.50%).
Loans in HI
345
of 371 applications
Denial rate
5.7%
Purchase · HI 10.1%
Rate spread
+0.19 pts
Conv. · HI +0.07 pts
Loan amount
$585,000
Purchase · HI $585,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 301 | 281 | 5.7% | 6.600% | +0.19 pts | $7,680 | $585,000 |
| Refinance | 52 | 49 | 5.8% | 6.500% | +0.06 pts | $6,610 | $845,000 |
| Cash-out refinance | 18 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Hawaii counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Maui County | 1 | 83 | 10.1% |
| Kauai County | 6 | 19 | 4.5% |
| Hawaii County | 11 | 44 | 2.6% |
| Honolulu County | 13 | 199 | 2.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology