Mortgage lending in Hawaii County
3,347 mortgages were originated in Hawaii County, Hawaii, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,347
- Median rate
- 6.625%
- Median lender fees
- $8,539
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $375,000
- Above the going rate (spread over APOR)
- 0.125
- Paid discount points
- 43.9%
- Received lender credits
- 25.9%
- Purchases / refinances
- 53% / 32.7%
- Conventional / FHA / VA
- 81.1% / 9.3% / 9.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $586,500
- Median home price
- $510,000
- That home, 20% down
- $408,000
A median-priced home with 20% down leaves $841,125 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $1,249,125 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Hawaii County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 282 | $6,442 | 6.875% |
| United Shore Financial Services, LLC | 244 | $10,183 | 6.375% |
| Bank of Hawaii | 235 | $12,808 | 6.000% |
| First Hawaiian Bank | 204 | — | 5.868% |
| Nfm, Inc. | 201 | $10,043 | 6.990% |
| American Savings Bank, FSB | 127 | $7,787 | 5.790% |
| Guild Mortgage Company | 120 | $8,826 | 6.500% |
| Pennymac Loan Services, LLC | 99 | $8,009 | 6.624% |
| Temple View Capital Funding, LP | 78 | — | 10.500% |
| Central Pacific Bank | 74 | — | 6.050% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Hawaii County — not a rule of thumb.
From 2,198 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers