STATE MARKET PROFILE · HMDA PUBLIC DATA

Hawaii mortgage market

Name: Hawaii Mortgage Market 2025
Creator: MortRadar
License: https://mortradar.com/legal/attribution

Who lends in Hawaii, how much, and how it is changing — origination volume, denial rates, the top lenders by volume, and the purchase vs refinance mix, 2018–2025, from HMDA public data. Figures are as of activity year 2025 (latest available). Free — no account required.

Origination volume · 2025

$11.98B

+29.2% vs 2024

Originations · 2025

19,858

+23.4% vs 2024

Denial rate · 2025

21.8%

denied / actioned

HMDA reporters · 2025

331

HMDA reporters

Rank among states & territories

#38

of 54 states & territories by volume

Share of U.S. volume

0.5%

U.S. $2.41T

Median loan amount

$425K

U.S. $245K

Top lender

Bank of Hawaii

9.2% of the state

◈

MARKET SHARE

Bank of Hawaii led Hawaii in 2025 with $1.10B — 9.2% of the state's disclosed volume. Hawaii ranks #38 of 54 states & territories by origination volume, 0.5% of the national total. Statewide volume rose +29.2% from 2024.

Origination volume by year

Hawaii dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS

Loan purpose mix

Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.

Purchase50%

Refinance31%

Other purposes19%

Denial rate by year

Hawaii vs the U.S. · denials / actioned applications

% · STATE VS U.S.

Agency channel mix

Share of 2025 originations

Conventional80%

FHA5%

VA15%

USDA / RHS0%

Lenders in Hawaii · 2025

All 331 lenders that reported in Hawaii, ranked by origination volume · sort, filter and export any of them · each row opens the company profile

EVERY HAWAII RECORD →

1Bank of Hawaii1,973$1.10B9.2%

+69.8%

2United Wholesale Mortgage1,281$907.9M7.6%

+1.4%

3American Savings Bank1,416$700.1M5.8%

+57.7%

4First Hawaiian Bank1,586$610.6M5.1%

+11.8%

5Walker & Dunlop3$598.9M5.0%

+3902.3%

6Rocket Mortgage1,101$557.4M4.7%

+14.6%

7Freedom Mortgage516$384.5M3.2%

−22.1%

8Central Pacific Bank720$318.1M2.7%

+49.5%

9Guaranteed Rate443$307.9M2.6%

−2.4%

10PennyMac Loan Services462$302.4M2.5%

+88.6%

11NewRez392$289.0M2.4%

+66.3%

12CMG Mortgage399$259.2M2.2%

−5.8%

13Hawaii State Federal Credit Union847$256.0M2.1%

+42.4%

14Hawaiiusa FCU777$246.7M2.1%

+119.8%

15Mortgage Research Center368$230.4M1.9%

+37.7%

16The Loan Store326$189.8M1.6%

+190.7%

17Guild Mortgage316$174.5M1.5%

−10.7%

18DHI Mortgage263$174.0M1.5%

+9.2%

19loanDepot329$161.4M1.3%

+3.2%

20Citadel Servicing244$151.3M1.3%

+22.6%

21HomeXpress Mortgage181$118.6M1.0%

+61.4%

22JPMorgan Chase Bank62$113.9M1.0%

+6.7%

23NFM235$112.4M0.9%

+77.6%

24Kind Lending166$110.5M0.9%

−3.8%

25Navy Federal Credit Union326$104.6M0.9%

−7.6%

26Conventus Lending134$97.2M0.8%

+14.9%

27Morgan Stanley Private Bank52$85.3M0.7%

−8.9%

28Change Lending87$81.9M0.7%

+153.2%

29Ameris Bank119$79.6M0.7%

+88.5%

30Hawaiian Financial Federal Credit Union125$78.5M0.7%

−0.9%

31Securitynational Mortgage122$72.6M0.6%

+21.4%

32Bank of America54$70.2M0.6%

−19.9%

33Paramount Residential Mortgage107$61.6M0.5%

+24.5%

34Finance of America Reverse101$60.2M0.5%

+84.2%

35Northpointe Bank78$59.8M0.5%

−17.6%

36HomeBridge Financial Services118$58.4M0.5%

+117.5%

37U.S. Bank54$57.7M0.5%

+5.5%

38University of Hawaii FCU95$57.6M0.5%

+151.2%

39Aloha Pacific Federal Credit Union217$56.1M0.5%

+143.4%

40Nexera Holding67$56.1M0.5%

−10.4%

41CrossCountry Mortgage89$53.9M0.5%

−25.1%

42Plains Commerce Bank79$53.5M0.4%

+43.3%

43Wells Fargo Bank47$51.6M0.4%

+6.6%

44Mortgage Hawaii70$49.9M0.4%

+446.4%

45Temple View Capital Funding95$48.0M0.4%

+30.2%

46Fairway Independent Mortgage85$47.7M0.4%

−37.4%

47Canopy Mortgage72$47.2M0.4%

+12.4%

48Angel Oak Mortgage Solutions79$44.2M0.4%

+124.2%

49Lendsure Mortgage62$44.1M0.4%

+17.8%

50Finance Factors48$44.0M0.4%

+18.2%

51Nationstar Mortgage117$44.0M0.4%

+57.1%

52CV3 Financial Services42$41.4M0.3%—

53Champions Funding60$39.9M0.3%

+88.8%

54General Mortgage Capital59$38.4M0.3%

+602.4%

55Plaza Home Mortgage65$38.1M0.3%

−21.1%

56Carrington Mortgage Services60$37.2M0.3%

+19.9%

57V.I.P. Mortgage64$36.7M0.3%

−59.4%

58UBS Bank USA20$35.4M0.3%

−45.3%

59Anchor Loans19$35.3M0.3%

+70.7%

60AAA Capital Investment44$34.3M0.3%

+673.8%

61Citibank16$31.4M0.3%

−57.0%

62Primary Residential Mortgage47$31.0M0.3%

−19.7%

63Mutual of Omaha Mortgage56$31.0M0.3%

+52.2%

64M&T Bank40$30.3M0.3%

+292.1%

65Bank of Hope56$29.6M0.2%—

66Mason-McDuffie Mortgage39$28.5M0.2%

+526.7%

67Hightechlending48$28.1M0.2%

−16.3%

68Deephaven Mortgage52$26.7M0.2%

+30.3%

69American Financial Network43$26.4M0.2%

+7.5%

70Pacific Home Loans35$26.1M0.2%

−22.9%

71Charles Schwab Bank24$25.5M0.2%

+4.3%

72Logan Finance36$25.4M0.2%

+5.8%

73Fundloans Capital20$24.4M0.2%

+87.3%

74The35$24.1M0.2%

+54.5%

75The Money Store36$24.0M0.2%

+113.7%

76Envoy Mortgage36$23.7M0.2%—

77Longbridge Financial42$22.0M0.2%

+47.4%

78Genesis Capital2$20.9M0.2%—

79OriginPoint22$20.5M0.2%

+100.0%

80PNC Bank7$20.5M0.2%

−69.4%

81Land Home Financial Services37$20.3M0.2%

−32.0%

82Planet Home Lending28$20.2M0.2%

+893.6%

83Velocity Commercial Capital24$20.2M0.2%

+20.9%

84Lokahi Federal Credit Union119$20.1M0.2%

+3.8%

85Sierra Pacific Mortgage32$20.1M0.2%

+1521.8%

86Arc Home19$19.3M0.2%

+121.8%

87Stifel Bank & Trust15$19.1M0.2%

+50.4%

88Cornerstone First Mortgage18$19.0M0.2%

+153.0%

89City National Bank11$18.6M0.2%

+81.6%

90Berkadia Commercial Mortgage1$18.5M0.2%—

91Hometown Equity Mortgage31$18.4M0.2%

+58.3%

92Colorado23$18.1M0.2%

+55.5%

93American Pacific Mortgage35$17.6M0.1%

−57.2%

94Loan Funder36$17.4M0.1%

+4.7%

95PrimeLending29$16.6M0.1%

−30.2%

96Pentagon Federal Credit Union43$16.3M0.1%

+7.3%

97Kiavi Funding19$15.8M0.1%—

98USAA Federal Savings Bank20$15.1M0.1%

+66.9%

99Alliant Credit Union17$14.8M0.1%

+80.4%

100Sage Home Loans18$14.8M0.1%

+314.0%

101Oaktree Funding11$14.5M0.1%

+42.6%

102The Northern Trust Co4$14.5M0.1%—

103Axos Bank4$14.5M0.1%

+189.1%

104Sun West Mortgage21$14.4M0.1%

+38.5%

105OCMBC22$14.3M0.1%

−26.3%

106Goldman Sachs Bank USA4$13.4M0.1%

+183.6%

107Amerisave Mortgage71$13.1M0.1%

+28.9%

108Woodford State Bank2$13.0M0.1%—

109PFN Lending Group13$13.0M0.1%

−0.2%

110Raymond James Bank9$12.9M0.1%

−23.1%

111Foundation Mortgage15$12.9M0.1%

+99.5%

112Pacific Lending20$12.5M0.1%

+80.0%

113Greenbox Loans10$12.0M0.1%

+789.6%

114Easy Street Capital19$12.0M0.1%

−26.6%

115Nexbank11$12.0M0.1%

+92.4%

116Better Mortgage36$11.9M0.1%

+85.6%

117Premier Mortgage Resources24$11.8M0.1%

−33.6%

118Bridgeway Lending Partners7$11.7M0.1%—

119Village Capital & Investment19$11.7M0.1%

+23.1%

120Lima One Capital16$11.3M0.1%

−14.3%

121Churchill Funding I6$11.2M0.1%

+90.0%

122New American Funding19$11.2M0.1%

+379.0%

123American Heritage Lending16$10.7M0.1%

+76.3%

124Summit Funding15$10.6M0.1%

+9.9%

125Flagstar Bank9$10.5M0.1%

−56.3%

126NBKC Bank15$9.9M0.1%

+51.0%

127Alameda Mortgage15$9.8M0.1%

−52.5%

128AmWest Funding11$9.6M0.1%

+110.5%

129Home Mortgage Alliance Corp (Hmac)13$9.3M0.1%

−21.8%

130Cardinal Financial Company, Li20$9.0M0.1%

+12.9%

131Movement Mortgage16$8.7M0.1%

−40.0%

132Click n' Close29$8.6M0.1%

+143.5%

133Center Street Lending Fund VIII SPE6$8.5M0.1%

−41.9%

134Bny Mellon1$8.5M0.1%

+10.6%

135LendingOne14$8.0M0.1%

+329.9%

136MidFirst Bank7$7.6M0.1%

−18.9%

137RBC Bank (Georgia)11$7.2M0.1%

+235.0%

138HomeStreet Bank22$7.2M0.1%

+7.1%

139Bay-Valley Mortgage Group9$7.0M0.1%

−13.3%

140ML Mortgage10$6.8M0.1%

+320.3%

141Barrington Bank & Trust Company8$6.8M0.1%

+21.8%

142Pearl Hawaii FCU18$6.7M0.1%

+28.8%

143Lakeview Loan Servicing10$6.1M0.1%

+98.4%

144Royal Business Bank8$6.1M0.1%

+264.8%

145Sofi Bank24$6.0M0.1%—

146BMO Harris Bank3$5.8M0.0%

−83.9%

147Das Acquisition13$5.8M0.0%

−71.7%

148Flexpoint6$5.7M0.0%

+18.7%

149New Wave Lending Group10$5.7M0.0%

+48.4%

150Ahl Funding7$5.4M0.0%

+12.9%

151Ice Lender Holdings5$5.3M0.0%

+77.1%

152ClearPath Lending10$5.2M0.0%

+35.5%

153Investor Mortgage Finance6$5.1M0.0%

+59.9%

154NBH Bank1$5.0M0.0%—

155Luminate Bank4$5.0M0.0%—

156Synergy One Lending7$4.8M0.0%

+36.7%

157East West Bank2$4.7M0.0%

+17.6%

158Val-Chris Investments17$4.7M0.0%

+85.8%

159Guaranteed Rate Affinity6$4.6M0.0%

+1.0%

160Ennkar5$4.5M0.0%

+163.4%

1611st 2nd Mortgage Company of N.J6$4.4M0.0%—

162First Federal Bank7$4.3M0.0%

+183.6%

163Emporium Tpo5$4.3M0.0%

−36.2%

164Armed Forces Bank3$4.1M0.0%

+241.8%

165Sunflower Bank2$4.0M0.0%—

166Zillow Home Loans9$3.9M0.0%

+17.2%

167Equity Prime Mortgage5$3.9M0.0%—

168Bay Equity5$3.7M0.0%

−18.0%

169American Financing6$3.6M0.0%

+40.6%

170MortgageOne2$3.6M0.0%

+52.1%

171Cake Mortgage3$3.5M0.0%—

172Teachers Federal Credit Union1$3.3M0.0%

+111.1%

173Nmsi4$3.1M0.0%

+2.1%

174Ardri3$3.1M0.0%—

175Archwest Funding6$3.0M0.0%

−50.5%

176Coastal Community Bank1$3.0M0.0%—

177Vista Point Mortgage4$2.9M0.0%—

178Dominion Financial Services2$2.7M0.0%

−38.0%

179Verus6$2.7M0.0%—

180New Day Financial6$2.7M0.0%

−8.8%

181American Internet Mortgage5$2.7M0.0%

−24.9%

182Fifth Third Bank3$2.5M0.0%—

183Presidential Bank3$2.4M0.0%

+221.7%

184North American Savings Bank3$2.4M0.0%

+94.0%

185Ameritrust Mortgage2$2.4M0.0%

−46.4%

186JMJ Financial Group3$2.4M0.0%

+22.6%

187Castle & Cooke Mortgage3$2.4M0.0%

−72.6%

188Citizens Bank2$2.4M0.0%—

189Geneva Financial4$2.3M0.0%

−14.8%

190Quorum Federal Credit Union12$2.2M0.0%

+55.9%

191PCB Bank1$2.2M0.0%—

192Absolute Mortgage & Lending4$2.1M0.0%—

193Genway Home Mortgage4$2.1M0.0%

+11.1%

194The Bennington State Bank1$2.1M0.0%—

195First State Bank1$2.0M0.0%—

196Firefighters First Federal Credit Union3$2.0M0.0%

+221.1%

197Community First National Bank2$1.9M0.0%

+629.4%

198City 1st Mortgage Services, LC3$1.8M0.0%

−89.6%

199Climate First Bank1$1.8M0.0%—

200Calcon Mutual Mortgage6$1.8M0.0%

+22.0%

201Mechanics Bank6$1.6M0.0%—

202Franklin Loan4$1.5M0.0%

+205.0%

203Advancial Federal Credit Union2$1.5M0.0%

+35.7%

204HSBC Bank USA2$1.5M0.0%

+93.6%

205Farmers Bank & Trust2$1.4M0.0%

−60.8%

206Bank First1$1.4M0.0%

−2.1%

207Servbank2$1.4M0.0%

+491.5%

208Equity Wave Lending2$1.4M0.0%—

209Discover Bank13$1.3M0.0%

−78.7%

210Quontic Bank3$1.3M0.0%

+242.3%

211Magnolia Bank3$1.3M0.0%

−0.4%

212American Airlines Federal Cred2$1.3M0.0%

−73.7%

213Stanford Federal Credit Union3$1.3M0.0%

+203.6%

214Baxter Credit Union4$1.2M0.0%

−63.4%

215Northwest Federal Credit Union1$1.2M0.0%—

216RCN Capital2$1.2M0.0%

−43.9%

217RCN Capital2$1.2M0.0%

−43.9%

218Texana Bank1$1.2M0.0%

−37.1%

219The Central Trust Bank2$1.1M0.0%

−52.1%

220Nations Lending3$1.1M0.0%

−32.0%

221First Citizens Bank & Trust1$1.1M0.0%

−64.7%

222Nuvision Federal Credit Union2$1.1M0.0%

−77.0%

223Cornerstone Capital Bank2$1.1M0.0%

+6.1%

224The Camden National Bank1$1.0M0.0%—

225Ony Glo1$1.0M0.0%

+290.6%

226Star One Credit Union2$1.0M0.0%

+284.9%

227Mortgage Bank of California1$1.0M0.0%—

228Milo Credit1$1.0M0.0%—

229Southern Bank and Trust Company1$975K0.0%—

230United Nations Federal Credit Union1$925K0.0%

−38.5%

231Brighton Bank1$905K0.0%

+44.8%

232Vermillion State Bank1$865K0.0%—

233CoreVestAmericanFinanceLenderLLC1$855K0.0%—

234Heritage Bank1$805K0.0%—

235Northrop Grumman Federal Credit Union2$770K0.0%

+152.5%

236First Western Trust Bank1$755K0.0%

+30.2%

237Keybank2$740K0.0%

−84.7%

238State Departmenet Federal Credit Union2$700K0.0%—

239Arvest Bank1$675K0.0%

−63.0%

240Acrisure Mortgage1$665K0.0%

−26.5%

241Tower Federal Credit Union1$665K0.0%

+224.4%

242First Community Bank1$645K0.0%—

243First Liberty Bank1$595K0.0%—

244Affinity Federal Credit Union1$515K0.0%—

245Elements Financial Federal Cre1$505K0.0%

−20.5%

246Zions Bancorporation1$505K0.0%

−81.9%

247SouthStar Bank1$465K0.0%—

248Operating Engineers Federal Credit Union1$455K0.0%—

249Farm Credit Mid-America, Aca1$425K0.0%

+19.7%

250Southwest Airlines FCU1$405K0.0%—

251Columbia Bank1$405K0.0%

−89.6%

252Nations Direct Mortgage1$395K0.0%

−80.8%

253Bankplus1$385K0.0%—

254Wescom Central Credit Union1$365K0.0%

+32.7%

255Plainscapital Bank1$355K0.0%—

256Washington Trust Bank1$355K0.0%

−93.5%

257All Credit Considered Mortgage1$355K0.0%

−67.3%

258Ilwu Federal Credit Union3$335K0.0%

+8.1%

259First Bank1$335K0.0%—

260Consolidated Community Credit2$330K0.0%—

261Huntington National Bank1$325K0.0%

−27.0%

262STG Mortgage1$315K0.0%—

263Andrews Federal Credit Union1$315K0.0%

+46.5%

264Royal Credit Union1$315K0.0%—

265Fidelity Lending Solutions2$310K0.0%

−83.9%

266Redwood Residential Acquisition1$305K0.0%—

267American Pride Bank1$285K0.0%—

268Willamette Valley Bank1$255K0.0%—

269Lafayette Federal Credit Union1$255K0.0%

−61.7%

270UMB Bank1$245K0.0%

−83.7%

271Hilton Financial1$225K0.0%

−89.0%

272Paramount Bank1$215K0.0%

−55.7%

273Ally Bank1$185K0.0%

−92.4%

274KS StateBank1$165K0.0%

−35.3%

275Farmers Bank and Trust Company1$155K0.0%—

276Chevron Federal Credit Union1$135K0.0%—

277Carrollton Bank1$115K0.0%—

278Kinecta Federal Credit Union1$65K0.0%

−98.4%

279Fourleaf Federal Credit Union1$55K0.0%

−93.1%

280RPE Home0———

281Deseret First Credit Union0———

282AmeriHome Mortgage0———

283Neighborhood Loans0———

284Figure Lending0———

285Luxury Mortgage0———

286First National Bank of America0———

287Pennian Bank0———

288American Financial Resources0———

289First International Bank & Trust0———

290Griffin Funding0———

291Peoples Bank0———

292Royal Pacific Funding0———

293First Colony Mortgage Corporat0———

294Rain City Capital0———

295BPL Mortgage0———

296Mountain America Federal Credit Union0———

297American Bank of Commerce0———

298Liberty Federal Credit Union0———

299America First Federal Credit Union0———

300Data Mortgage0———

301Peak Residential Lending0———

302FirstBank0———

303Regent Bank0———

304Christian Community Credit Union0———

305PGIM Real Estate Agency Financing0———

306Wings Financial Credit Union0———

307Atlanta Postal Credit Union0———

308Freedom Credit Uniton0———

309Boeing Employees' Credit Union0———

310SIRVA Mortgage0———

311Tib0———

312Citizens Business Bank0———

313Traditional Mortgage Acceptance0———

314Stride Bank0———

315Spring EQ0———

316Loanunited.Com0———

317Valon Mortgage0———

318Saxton Mortgage0———

319Intercap Lending0———

320Ixonia Bank0———

321Congressional Federal Credit Union0———

322State Bank of Southwest Missouri0———

323RANLife0———

324Skyla Federal Credit Union0———

325Merchants Bank of Indiana0———

326Apex Bank0———

327Mission Loans0———

328Everett Financial0———

329Goodleap0———

330BOKF0———

331PHH Mortgage0———

1-4 family dwellings: Originations whose derived dwelling category is Single Family (1-4 Units) — site-built or manufactured.

ON THIS PAGE · This page is published for search and is served from cache, so it cannot read a scope from the address bar. The pills open the Hawaii state hub, which honours the rung; the figures here stay on the full HMDA basis and the ladder below states exactly what that includes.

What “originations” counts

Every rung below is a strict subset of the one above it, for Hawaii in 2025. No single HMDA slice equals the industry origination figure, so this shows the whole ladder rather than picking one and claiming it matches.

All HMDA originations19,858$12B100.0%— the widest basis

1-4 family dwellings19,782$10.9B90.7%5+ unit multifamily · 76 loans · $1.11B

1-4 family, first lien15,156$9.9B83.0%junior and subordinate liens · 4,626 loans · $923.4M

1-4 family, first lien, closed-end(disclosure only)13,423$9.3B77.5%home-equity lines of credit · 1,733 loans · $654.1M

1-4 family, first lien, closed-end, consumer-purpose(disclosure only)11,459$7.9B66.2%business-purpose loans and reverse mortgages · 1,964 loans · $1.35B

Source: HMDA public loan-application data (CFPB/FFIEC), action taken = 1, activity year 2025. The two lowest rungs are shown for disclosure and are not selectable — a HELOC flag or a business-purpose flag that the filer claimed the partial exemption on arrives unreported, so those two rungs keep unreported records rather than guessing.

Counties in Hawaii

Mortgage lending by county — 4 with enough origination volume to profile, largest first

Honolulu County 13,362 Hawaii County 3,347 Maui County 2,057 Kauai County 1,048

COUNTY PROFILES INCLUDE

Origination volume and denial rate, market concentration, the top lenders operating there, ACS housing and income context, and FEMA natural-hazard exposure.

Go deeper

Hawaii in the full MortRadar app

Hawaii market benchmarks →Interactive year-by-year volume, rates, and channel-mix charts Hawaii state hub — every dataset →HMDA lender share, FHA, Fannie/Freddie, Ginnie Mae, VA, NMLS licensing, the state housing finance agency, CFPB complaints and market context, one tab each Top Mortgage Players →Cross-metric national leaderboard: HMDA, Ginnie, FHA, market cap National market hub →U.S. origination totals, movers, and the state map

Other state markets

Largest states by 2025 volume

California$344.74B Texas$186.23B Florida$183.52B New York$116.18B North Carolina$89.58B Washington$81.03B Georgia$79.74B Virginia$77.59B

All 50 states + DC →

Attribution & methodology. Hawaii figures are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); “state share” is a lender’s share of the state’s disclosed origination volume; loan amounts are the public files’ midpoint-rounded values. MortRadar’s aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.