Mortgage lending in Urban Honolulu, HI
13,362 mortgages were originated in the Urban Honolulu, HI area in 2025, and here is what they cost.
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
- 13,362
- Median rate
- 6.100%
- Median lender fees
- $10,003
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
- $435,000
- Above the going rate (spread over APOR)
- -0.397
- Paid discount points
- 35.2%
- Received lender credits
- 24.7%
- Purchases / refinances
- 50.7% / 29.8%
- Conventional / FHA / VA
- 77.2% / 3% / 19.7%
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 60.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Urban Honolulu, HI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank of Hawaii | 1,473 | $12,114 | 6.000% |
| First Hawaiian Bank | 1,097 | $13,227 | 5.868% |
| American Savings Bank, FSB | 1,055 | $10,472 | 5.650% |
| United Shore Financial Services, LLC | 867 | $9,360 | 6.006% |
| Hawaii State Federal Credit Union | 713 | $10,446 | 5.900% |
| Rocket Mortgage, LLC | 646 | $7,850 | 6.375% |
| Hawaiiusa Federal Credit Union | 603 | $9,407 | 5.650% |
| Central Pacific Bank | 576 | $7,697 | 6.125% |
| Freedom Mortgage Corporation | 423 | $13,821 | 5.750% |
| Pennymac Loan Services, LLC | 325 | $8,399 | 6.124% |