URBAN HONOLULU Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Urban Honolulu averaged 5.29% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.46% and one month ago for the week of 2022-04-07, the average rate was 4.61%.

Urban Honolulu's average rate one year ago was 2.94%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.34%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Urban Honolulu 30 Year Fixed Rate 2022-05-12 5.29%
Urban Honolulu 30 Year Fixed Rate Refi 2022-05-12 5.34%
Urban Honolulu 15 Year Fixed Rate 2022-05-12 5.14%
Urban Honolulu 15 Year Fixed Rate Refi 2022-05-12 4.43%
Urban Honolulu 30 Year FHA 2022-05-12 5.38%
Urban Honolulu 30 Year FHA Refi 2022-05-12 5.03%
Urban Honolulu 30 Year USDA 2022-05-12 5.16%
Urban Honolulu 30 Year USDA Refi 2022-05-12 4.98%
Urban Honolulu 30 Year VA 2022-05-12 4.94%
Urban Honolulu 30 Year VA Refi 2022-05-12 4.71%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within URBAN HONOLULU, HI.

URBAN HONOLULU Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the URBAN HONOLULU, HI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
LOANDEPOT.COM, LLC 1,695 2.83% $7,145
American Savings Bank, FSB 1,482 2.91% $10,467
Bank of Hawaii 1,477 2.91% $11,809
First Hawaiian Bank 1,397 2.94% $10,488
QUICKEN LOANS, LLC 1,099 2.97% $7,570
UNITED WHOLESALE MORTGAGE, LLC 1,097 2.86% $7,779
Central Pacific Bank 1,018 2.97% $9,639
HOME POINT FINANCIAL CORPORATION 1,009 2.92% $5,799
Territorial Savings Bank 542 2.78% $11,284
HAWAII STATE FEDERAL CREDIT UNION 513 2.95% $9,852
GUARANTEED RATE, INC. 506 3.03% $7,586
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 360 2.95% $8,169
COMPASS HOME LOANS, LLC 350 3.06% $7,365
HAWAIIAN FINANCIAL 333 2.61% $9,169
CMG MORTGAGE, INC. 333 3.07% $10,349
PRIMARY RESIDENTIAL MORTGAGE, INC. 320 3.05% $5,398
AMERISAVE MORTGAGE CORPORATION 315 2.69% $7,375
HOMEBRIDGE FINANCIAL SERVICES, INC. 289 3.15% $9,541
CALIBER HOME LOANS, INC. 279 2.92% $5,930
FREEDOM MORTGAGE CORPORATION 266 2.90% $6,384
AMERICAN PACIFIC MORTGAGE CORPORATION 224 3.05% $6,772
ACADEMY MORTGAGE CORPORATION 218 3.11% $9,007
ALOHA PACIFIC 213 2.70% $6,302
PENNYMAC LOAN SERVICES, LLC 205 2.87% $6,437
GUILD MORTGAGE COMPANY 197 3.07% $9,791
FINANCE OF AMERICA MORTGAGE LLC 193 2.86% $12,157
HighTechLending Inc 171 3.10% $10,919
Wells Fargo Bank 165 3.02% $5,268
Ameris Bank 158 2.80% $6,785
DHI MORTGAGE COMPANY, LTD. 153 2.92% $6,356
NBKC BANK 150 2.80% $4,291
NAVY FEDERAL CREDIT UNION 137 3.21% $8,159
STEARNS LENDING, LLC 134 2.88% $5,968
CROSSCOUNTRY MORTGAGE, LLC 130 3.00% $8,288
PLAZA HOME MORTGAGE, INC. 127 2.85% $8,233
MANN FINANCIAL INC. 124 3.15% $10,977
PRIMELENDING, A PLAINSCAPITAL COMPANY 104 3.18% $9,073
Mr. Cooper ( Nationstar Mortgage ) 103 3.00% $7,599
SECURITYNATIONAL MORTGAGE COMPANY 100 3.21% $11,687
CELEBRITY HOME LOANS, LLC 100 3.13% $8,857
HAWAIIUSA FEDERAL CREDIT UNION 93 3.12% $7,233
MID AMERICA MORTGAGE, INC. 91 2.96% $5,583
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 91 3.12% $9,673
Flagstar Bank, FSB 90 2.99% $5,019
Paramount Residential Mortgage Group, Inc. 81 3.25% $6,364
JPMorgan Chase Bank 77 2.85% $5,549
INTERNATIONAL CITY MORTGAGE, INC. 71 2.91% $6,697
Bank of America 69 2.89% $6,012
AMERICAN FINANCING CORPORATION 66 3.01% $7,209
ROUNDPOINT MORTGAGE SERVICING CORPORATION 63 3.21% $6,908
MOVEMENT MORTGAGE, LLC 61 3.05% $6,718
Home Mortgage Alliance Corp 61 3.10% $7,198
Nations Lending Corporation 54 3.00% $18,347
AMERICAN FINANCIAL NETWORK, INC. 47 3.11% $15,006
U.S. Bank 47 2.91% $5,853
PENTAGON FEDERAL CREDIT UNION 46 2.80% $5,580
North American Savings Bank, F.S.B. 45 2.74% $3,039
University of Hawaii Federal Credit Union 42 2.18% $9,707
Mortgage Research Center, LLC 36 2.79% $9,298
SUMMIT FUNDING, INC. 34 3.10% $7,468
BAY EQUITY LLC 32 3.12% $5,820
The Federal Savings Bank 32 3.05% $11,416
Morgan Stanley Private Bank 31 2.69% $5,808
Plains Commerce Bank 30 2.92% $12,908
HomeStreet Bank 25 3.00% $6,343
Charles Schwab Bank, SSB 25 2.25% $5,484
MUTUAL OF OMAHA MORTGAGE, INC. 23 3.04% $5,739
MASON MCDUFFIE MORTGAGE CORPORATION 22 3.12% $5,960
First Republic Bank 21 2.76% $6,086
LAND HOME FINANCIAL SERVICES, INC. 21 3.21% $7,302
Carrington Mortgage Services, LLC 20 3.72% $10,201
SUN WEST MORTGAGE COMPANY, INC. 19 2.93% $11,063
Quontic Bank 18 5.74% $16,265
IMPAC MORTGAGE CORP. 17 3.30% $5,711
DAS Acquisition Company, LLC 16 3.09% $10,460
NEWREZ LLC 16 3.05% $6,571
PNC Bank 15 2.82% $14,094
Strong Home Mortgage, LLC 15 2.91% $2,943
V.I.P. MORTGAGE, INC. 15 3.18% $8,653
SOVEREIGN LENDING GROUP INCORPORATED 15 2.84% $5,941
KeyBank 14 2.63% $9,264
HONOLULU 13 2.63% $8,358
Citibank 10 2.66% $8,003
First Savings Bank 9 2.78% $13,178
MLD MORTGAGE INC. 8 2.79% $6,137
Stifel Bank and Trust 7 2.80% $4,485
American Mortgage and Insurance Inc. 7 3.78% $5,051
Axos Bank 7 2.96% $3,705
CIT Bank 7 2.72% $9,127
City National Bank 7 2.87% $6,745
HSBC BANK USA, NATIONAL ASSOCIATION 7 2.94% $7,663
PREMIER MORTGAGE RESOURCES, L.L.C. 6 3.65% $7,558
UBS Bank USA 6 2.75% $8,858
RBC Bank, (Georgia) 6 2.94% $6,016
Umpqua Bank 5 3.13% $7,765
PACIFIC HOME LOANS, INC. 5 3.18% $5,955
KELLER MORTGAGE, LLC 5 3.18% $3,844
Evolve Bank & Trust 4 3.22% $3,194
ALLIANT CREDIT UNION 4 2.81% $6,415
Northpointe Bank 4 3.41% $7,863
Goldman Sachs Bank USA 4 2.59% $16,229
Low VA Rates, LLC 4 3.06% $4,386
FUNDLOANS CAPITAL 4 3.47% $37,383
United Nations Federal Credit Union 3 2.75% $7,852
BNY Mellon 3 2.71% $6,010
CALCULATED RISK ANALYTICS LLC 3 3.50% $17,001
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 3 2.96% $14,947
First Federal Bank 3 3.00% $12,966
EVERETT FINANCIAL, INC. 3 3.58% $2,261
MidFirst Bank 3 3.15% $11,064
JMJ FINANCIAL GROUP 3 3.13% $6,805
Mortgage Bank of California 3 4.67% $30,463
TIAA, FSB 3 2.87% $6,876
Arvest Bank 3 3.04% $7,202
Austin Capital Bank SSB 3 3.17% $8,848
First Internet Bank of Indiana 3 2.50% $6,326
LENDUS, LLC 3 3.21% $7,381
AXIA FINANCIAL, LLC 3 3.13% $7,550
Sunflower Bank 3 3.29% $7,391
SIRVA MORTGAGE, INC. 2 3.25% $3,475
GENEVA FINANCIAL, LLC 2 3.88% $13,130
NexBank 2 3.19% $10,720
First Home Bank 2 2.94% $7,727
OCMBC, INC. 2 3.13% $6,802
Presidential Bank, FSB 2 2.87% $3,927
Discover Bank 2 3.99% $0
CITYWIDE HOME LOANS, LLC 2 3.44% $8,006
Raymond James Bank 2 2.88% $10,176
STANFORD Federal Credit Union 2 3.06% $4,952
The Northern Trust Company 2 2.63% $7,369
AMERICAN INTERNET MORTGAGE, INC. 2 2.81% $3,967
ADVANCIAL 2 3.69% $11,954
Watermark Capital, Inc. 2 3.06% $4,112
Willamette Valley Bank 2 3.69% $6,866
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.75% $16,724
Sound Community Bank 1 3.13% $13,457
Paramount Bank 1 2.75% $5,987
American Airlines Federal Credit Union 1 3.18% $0
STAR ONE CREDIT UNION 1 2.88% $6,875
BMO Harris Bank 1 2.88% $5,653
Barrington Bank & Trust Company, N.A. 1 3.49% $3,620
Bank of Whittier 1 2.78% $13,495
Bank of England 1 2.88% $6,347
NuVision Federal Credit Union 1 3.63% $5,958
Notre Dame Federal Credit Union Corporation 1 3.13% $8,557
First National Bank of America 1 7.38% $15,603
Texana Bank 1 3.25% $6,308
The Central Trust Bank 1 2.87% $4,765
First United Bank and Trust Company 1 2.88% $4,033
Magnolia Bank 1 3.88% $25,546
Florida Capital Bank 1 2.88% $4,159
Franklin Loan Corporation 1 3.38% $8,379
EMBRACE HOME LOANS, INC. 1 2.88% $11,041
I.L.W.U. CREDIT UNION 1 3.25% $4,462
Community First National Bank 1 2.99% $3,628
KEYPOINT 1 3.00% $3,717
Access Bank 1 2.75% $3,243
EVANSVILLE TEACHERS 1 3.25% $7,028
Farmers & Merchants Savings Bank 1 2.75% $1,731
Cf Bank 1 3.00% $4,675
First Foundation Bank 1 2.80% $5,850

URBAN HONOLULU, HI's 161 lenders originated 42,835 loans during 2021. The total origination value was $21,450,415,000, with an average loan value of $500,768.

The top URBAN HONOLULU lender as defined by loan originations is LOANDEPOT.COM, LLC, with 1,695 loans originated. Their average total fees are $7,145, which is $3,322 lower than the next largest lender, American Savings Bank, FSB.

The lowest fee URBAN HONOLULU lenders (with over 10 loans originated) are Strong Home Mortgage, LLC ($2,943), North American Savings Bank, F.S.B. ($3,039), NBKC BANK ($4,291), Flagstar Bank, FSB ($5,019) and Wells Fargo Bank ($5,268).

The lowest rate URBAN HONOLULU lenders (with over 10 loans originated) are University of Hawaii Federal Credit Union (2.18%), Charles Schwab Bank, SSB (2.25%), HAWAIIAN FINANCIAL (2.61%), HONOLULU (2.63%) and KeyBank (2.63%).

URBAN HONOLULU, HI Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Bank of Hawaii $1,932,300,000 $2,293,945,000 18.7% 10.7%
LOANDEPOT.COM, LLC $974,095,000 $1,515,580,000 55.6% 7.1%
FREEDOM MORTGAGE CORPORATION $1,832,670,000 $1,323,875,000 -27.8% 6.2%
American Savings Bank, FSB $1,114,840,000 $1,262,590,000 13.3% 5.9%
First Hawaiian Bank $1,124,935,000 $1,245,230,000 10.7% 5.8%
Central Pacific Bank $1,149,330,000 $1,090,560,000 -5.1% 5.1%
HOME POINT FINANCIAL CORPORATION $410,760,000 $870,705,000 112.0% 4.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $920,195,000 $864,025,000 -6.1% 4.0%
UNITED WHOLESALE MORTGAGE, LLC $758,725,000 $855,570,000 12.8% 4.0%
QUICKEN LOANS, LLC $793,530,000 $814,510,000 2.6% 3.8%
GUARANTEED RATE, INC. $464,350,000 $594,015,000 27.9% 2.8%
HAWAII STATE FEDERAL CREDIT UNION $440,435,000 $415,790,000 -5.6% 1.9%
PENNYMAC LOAN SERVICES, LLC $246,165,000 $394,530,000 60.3% 1.8%
HOMEBRIDGE FINANCIAL SERVICES, INC. $542,580,000 $357,685,000 -34.1% 1.7%
Territorial Savings Bank $277,855,000 $344,745,000 24.1% 1.6%
CMG MORTGAGE, INC. $238,870,000 $298,135,000 24.8% 1.4%
COMPASS HOME LOANS, LLC $476,620,000 $296,190,000 -37.9% 1.4%
CALIBER HOME LOANS, INC. $517,320,000 $292,945,000 -43.4% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $276,615,000 $286,330,000 3.5% 1.3%
CELEBRITY HOME LOANS, LLC $266,530,000 n/a 1.2%
NAVY FEDERAL CREDIT UNION $231,450,000 $239,340,000 3.4% 1.1%
HAWAIIAN FINANCIAL $239,780,000 $234,270,000 -2.3% 1.1%
AMERISAVE MORTGAGE CORPORATION $90,910,000 $226,600,000 149.3% 1.1%
Mortgage Research Center, LLC $205,185,000 $204,585,000 -0.3% 1.0%
ACADEMY MORTGAGE CORPORATION $191,610,000 $188,945,000 -1.4% 0.9%
MID AMERICA MORTGAGE, INC. $176,855,000 $185,990,000 5.2% 0.9%
PRIMARY RESIDENTIAL MORTGAGE, INC. $317,185,000 $179,085,000 -43.5% 0.8%
DHI MORTGAGE COMPANY, LTD. $186,730,000 $172,890,000 -7.4% 0.8%
Wells Fargo Bank $130,790,000 $161,090,000 23.2% 0.8%
GUILD MORTGAGE COMPANY $173,440,000 $146,070,000 -15.8% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $130,260,000 $141,165,000 8.4% 0.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $539,350,000 $137,890,000 -74.4% 0.6%
ALOHA PACIFIC $111,240,000 $127,575,000 14.7% 0.6%
HighTechLending Inc $136,765,000 $122,690,000 -10.3% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $76,285,000 $121,340,000 59.1% 0.6%
Ameris Bank $273,740,000 $120,920,000 -55.8% 0.6%
HAWAIIUSA FEDERAL CREDIT UNION $173,525,000 $115,600,000 -33.4% 0.5%
NBKC BANK $107,645,000 $112,470,000 4.5% 0.5%
The Federal Savings Bank $140,530,000 $98,975,000 -29.6% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $78,035,000 $98,935,000 26.8% 0.5%
LAND HOME FINANCIAL SERVICES, INC. $86,710,000 $95,975,000 10.7% 0.4%
MANN FINANCIAL INC. $56,800,000 $95,790,000 68.6% 0.4%
PLAZA HOME MORTGAGE, INC. $184,080,000 $95,105,000 -48.3% 0.4%
PENTAGON FEDERAL CREDIT UNION $33,165,000 $87,220,000 163.0% 0.4%
STEARNS LENDING, LLC $92,715,000 $85,860,000 -7.4% 0.4%
JPMorgan Chase Bank $44,785,000 $84,750,000 89.2% 0.4%
SECURITYNATIONAL MORTGAGE COMPANY $35,615,000 $77,130,000 116.6% 0.4%
Bank of America $72,555,000 $75,065,000 3.5% 0.3%
Finance Factors, Limited $141,805,000 $74,620,000 -47.4% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $87,060,000 $72,930,000 -16.2% 0.3%
Citibank $14,415,000 $62,635,000 334.5% 0.3%
Flagstar Bank, FSB $126,670,000 $59,110,000 -53.3% 0.3%
MOVEMENT MORTGAGE, LLC $59,990,000 $57,660,000 -3.9% 0.3%
Paramount Residential Mortgage Group, Inc. $69,885,000 $57,060,000 -18.4% 0.3%
North American Savings Bank, F.S.B. $69,410,000 $55,780,000 -19.6% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $52,450,000 $55,695,000 6.2% 0.3%
TEMPLE VIEW CAPITAL FUNDING, LP $6,465,000 $55,175,000 753.4% 0.3%
CLEARPATH LENDING $81,935,000 $54,410,000 -33.6% 0.3%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $53,645,000 n/a 0.3%
U.S. Bank $31,240,000 $47,015,000 50.5% 0.2%
AMERICAN FINANCING CORPORATION $35,145,000 $45,000,000 28.0% 0.2%
INTERNATIONAL CITY MORTGAGE, INC. $106,805,000 $43,710,000 -59.1% 0.2%
First Republic Bank $16,785,000 $41,460,000 147.0% 0.2%
Morgan Stanley Private Bank $17,870,000 $39,300,000 119.9% 0.2%
Nations Lending Corporation $48,325,000 $36,995,000 -23.4% 0.2%
HomeStreet Bank $25,010,000 $36,610,000 46.4% 0.2%
CIVIC FINANCIAL SERVICES, LLC $22,340,000 $36,285,000 62.4% 0.2%
Charles Schwab Bank, SSB $25,875,000 $35,850,000 38.6% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $18,635,000 $33,030,000 77.2% 0.2%
Home Mortgage Alliance Corp $32,470,000 n/a 0.2%
NEWREZ LLC $30,795,000 n/a 0.1%
American Mortgage and Insurance Inc. $47,965,000 $30,215,000 -37.0% 0.1%
Carrington Mortgage Services, LLC $24,205,000 $29,625,000 22.4% 0.1%
FINANCE OF AMERICA REVERSE LLC $21,155,000 $27,780,000 31.3% 0.1%
University of Hawaii Federal Credit Union $19,675,000 $26,865,000 36.5% 0.1%
CASTLE & COOKE MORTGAGE, LLC $52,510,000 $26,100,000 -50.3% 0.1%
BAY EQUITY LLC $35,095,000 $23,085,000 -34.2% 0.1%
HONOLULU $20,200,000 $23,065,000 14.2% 0.1%
PNC Bank $86,230,000 $22,535,000 -73.9% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $15,370,000 $22,335,000 45.3% 0.1%
SUMMIT FUNDING, INC. $27,585,000 $21,635,000 -21.6% 0.1%
IMPAC MORTGAGE CORP. $6,405,000 $21,030,000 228.3% 0.1%
WALKER & DUNLOP, LLC $54,180,000 $20,960,000 -61.3% 0.1%
Plains Commerce Bank $17,145,000 $20,640,000 20.4% 0.1%
HICKAM $39,920,000 $18,905,000 -52.6% 0.1%
Goldman Sachs Bank USA $6,595,000 $16,400,000 148.7% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $22,575,000 $15,910,000 -29.5% 0.1%
Low VA Rates, LLC $21,860,000 $15,645,000 -28.4% 0.1%
NEW DAY FINANCIAL, LLC $15,930,000 $14,705,000 -7.7% 0.1%
City National Bank $1,905,000 $14,310,000 651.2% 0.1%
Quontic Bank $14,025,000 n/a 0.1%
KeyBank $3,420,000 $13,890,000 306.1% 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $27,500,000 $13,850,000 -49.6% 0.1%
UBS Bank USA $19,600,000 $12,250,000 -37.5% 0.1%
AMERICAN ADVISORS GROUP $6,950,000 $11,460,000 64.9% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $4,705,000 $11,120,000 136.3% 0.1%
FUNDLOANS CAPITAL $1,275,000 $10,935,000 757.6% 0.1%
DAS Acquisition Company, LLC $10,840,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $6,895,000 $10,680,000 54.9% 0.0%
Strong Home Mortgage, LLC $9,805,000 n/a 0.0%
CIT Bank $5,890,000 $9,605,000 63.1% 0.0%
RBC Bank, (Georgia) $9,130,000 n/a 0.0%
LENDUS, LLC $13,490,000 $8,995,000 -33.3% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $23,510,000 $8,905,000 -62.1% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $1,470,000 $8,700,000 491.8% 0.0%
First Savings Bank $7,820,000 $8,620,000 10.2% 0.0%
OPEN MORTGAGE, LLC $9,150,000 $8,315,000 -9.1% 0.0%
USAA Federal Savings Bank $39,745,000 $7,755,000 -80.5% 0.0%
Stifel Bank and Trust $9,500,000 $7,470,000 -21.4% 0.0%
Mortgage Bank of California $6,980,000 n/a 0.0%
Hometown Equity Mortgage, LLC $6,170,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $7,750,000 $6,010,000 -22.5% 0.0%
The Central Trust Bank $5,875,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $3,995,000 $5,645,000 41.3% 0.0%
MLD MORTGAGE INC. $325,000 $5,575,000 1,615.4% 0.0%
Magnolia Bank $8,420,000 $5,120,000 -39.2% 0.0%
Axos Bank $7,515,000 $5,095,000 -32.2% 0.0%
Raymond James Bank $1,480,000 $4,780,000 223.0% 0.0%
BM Real Estate Services, Inc. $15,190,000 $4,745,000 -68.8% 0.0%
The Northern Trust Company $3,845,000 $4,740,000 23.3% 0.0%
First Home Bank $5,155,000 $4,400,000 -14.6% 0.0%
BNY Mellon $3,555,000 $4,265,000 20.0% 0.0%
AXIA FINANCIAL, LLC $690,000 $3,980,000 476.8% 0.0%
Paramount Bank $3,265,000 $3,980,000 21.9% 0.0%
PACIFIC HOME LOANS, INC. $2,225,000 $3,850,000 73.0% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $265,000 $3,615,000 1,264.2% 0.0%
ALLIANT CREDIT UNION $2,810,000 $3,450,000 22.8% 0.0%
Sunflower Bank $2,180,000 $3,420,000 56.9% 0.0%
REVERSE MORTGAGE FUNDING LLC $3,390,000 n/a 0.0%
Northpointe Bank $3,295,000 $3,310,000 0.5% 0.0%
Independent Bank $3,305,000 n/a 0.0%
MidFirst Bank $3,185,000 n/a 0.0%
CALCULATED RISK ANALYTICS LLC $6,620,000 $3,135,000 -52.6% 0.0%
KS StateBank $9,205,000 $3,085,000 -66.5% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $3,055,000 n/a 0.0%
Commerce Home Mortgage, Inc. $2,945,000 n/a 0.0%
United Nations Federal Credit Union $535,000 $2,765,000 416.8% 0.0%
PLANET HOME LENDING, LLC $2,550,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $7,020,000 $2,415,000 -65.6% 0.0%
Zions Bancorporation, N.A. $2,315,000 n/a 0.0%
OCMBC, INC. $2,295,000 n/a 0.0%
JMJ FINANCIAL GROUP $1,275,000 $2,255,000 76.9% 0.0%
Umpqua Bank $690,000 $2,245,000 225.4% 0.0%
DOMINION FINANCIAL SERVICES, LLC $2,180,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $645,000 $2,150,000 233.3% 0.0%
Presidential Bank, FSB $4,745,000 $2,080,000 -56.2% 0.0%
Arvest Bank $1,010,000 $2,035,000 101.5% 0.0%
KELLER MORTGAGE, LLC $5,220,000 $2,015,000 -61.4% 0.0%
HOMEXPRESS MORTGAGE CORP. $1,995,000 n/a 0.0%
Community First National Bank $3,770,000 $1,985,000 -47.3% 0.0%
Austin Capital Bank SSB $1,790,000 $1,965,000 9.8% 0.0%
CITYWIDE HOME LOANS, LLC $13,750,000 $1,875,000 -86.4% 0.0%
EVERETT FINANCIAL, INC. $1,865,000 n/a 0.0%
First Foundation Bank $3,005,000 $1,840,000 -38.8% 0.0%
Cf Bank $525,000 $1,820,000 246.7% 0.0%
TIAA, FSB $5,780,000 $1,800,000 -68.9% 0.0%
Visio Financial Services Inc. $1,725,000 n/a 0.0%
First Federal Bank $3,955,000 $1,665,000 -57.9% 0.0%
Citadel Servicing Corporation $1,580,000 n/a 0.0%
Sound Community Bank $1,495,000 n/a 0.0%
Discover Bank $1,730,000 $1,485,000 -14.2% 0.0%
NexBank $1,480,000 n/a 0.0%
American Airlines Federal Credit Union $690,000 $1,475,000 113.8% 0.0%
Watermark Capital, Inc. $460,000 $1,465,000 218.5% 0.0%
First Internet Bank of Indiana $3,635,000 $1,395,000 -61.6% 0.0%
SIRVA MORTGAGE, INC. $1,370,000 n/a 0.0%
Farmers Bank & Trust $1,330,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $265,000 $1,315,000 396.2% 0.0%
Franklin Loan Corporation $1,305,000 n/a 0.0%
GENEVA FINANCIAL, LLC $1,960,000 $1,305,000 -33.4% 0.0%
Evolve Bank & Trust $3,675,000 $1,300,000 -64.6% 0.0%
STAR ONE CREDIT UNION $420,000 $1,280,000 204.8% 0.0%
EMBRACE HOME LOANS, INC. $1,120,000 n/a 0.0%
ADVANCIAL $775,000 $1,030,000 32.9% 0.0%
Atlantic Union Bank $1,025,000 n/a 0.0%
STANFORD Federal Credit Union $610,000 $1,005,000 64.8% 0.0%
AmRes Corporation $955,000 n/a 0.0%
Greenbox Loans, Inc. $155,000 $900,000 480.6% 0.0%
EVANSVILLE TEACHERS $885,000 n/a 0.0%
Rock Canyon Bank $825,000 n/a 0.0%
Blackhawk Bank $805,000 n/a 0.0%
Manufacturers and Traders Trust Company $485,000 $760,000 56.7% 0.0%
I.L.W.U. CREDIT UNION $525,000 $750,000 42.9% 0.0%
First Bank $735,000 n/a 0.0%
Notre Dame Federal Credit Union Corporation $725,000 n/a 0.0%
Willamette Valley Bank $1,240,000 $670,000 -46.0% 0.0%
Secured Investment Corp. $115,000 $635,000 452.2% 0.0%
EagleBank $630,000 n/a 0.0%
ARC HOME LLC $275,000 $625,000 127.3% 0.0%
Bank of Whittier $615,000 n/a 0.0%
Capital Bank $1,775,000 $595,000 -66.5% 0.0%
KEYPOINT $575,000 n/a 0.0%
LOANPAL, LLC $1,030,000 $565,000 -45.1% 0.0%
Meridian Bank Corporation $3,925,000 $535,000 -86.4% 0.0%
LOS ANGELES POLICE Federal Credit Union $970,000 $525,000 -45.9% 0.0%
Bank of England $7,365,000 $515,000 -93.0% 0.0%
Marriott Employees' Federal Credit Union $515,000 n/a 0.0%
Fidelity Bank $505,000 n/a 0.0%
First United Bank and Trust Company $475,000 n/a 0.0%
BMO Harris Bank $455,000 n/a 0.0%
First National Bank of America $145,000 $435,000 200.0% 0.0%
Florida Capital Bank $525,000 $415,000 -21.0% 0.0%
Bank-Fund Staff Federal Credit Union $410,000 n/a 0.0%
Union Bank and Trust Company $395,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $390,000 n/a 0.0%
HILTON FINANCIAL CORPORATION $355,000 n/a 0.0%
NuVision Federal Credit Union $355,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $355,000 n/a 0.0%
Texana Bank $315,000 n/a 0.0%
State Department Federal Credit Union $305,000 n/a 0.0%
Operating Engineers Local Union #3 $335,000 $275,000 -17.9% 0.0%
SPIRIT OF ALASKA $275,000 n/a 0.0%
First Western Federal Savings Bank $245,000 n/a 0.0%
Access Bank $205,000 n/a 0.0%
Carrollton Bank $205,000 n/a 0.0%
Baxter Credit Union $385,000 $185,000 -51.9% 0.0%
LENDINGONE, LLC $740,000 $185,000 -75.0% 0.0%
Farmers & Merchants Savings Bank $155,000 n/a 0.0%
The Huntington National Bank $885,000 $125,000 -85.9% 0.0%
QUORUM FEDERAL CREDIT UNION $850,000 $85,000 -90.0% 0.0%
CHEVRON $555,000 $75,000 -86.5% 0.0%
TOWER $105,000 $55,000 -47.6% 0.0%

URBAN HONOLULU's top lender by overall market share is Bank of Hawaii, with 10.7% market share. In second place, with 7.1%, is LOANDEPOT.COM, LLC, having originated $1,515,580,000 in loans. In third place, with 6.2%, is FREEDOM MORTGAGE CORPORATION, having originated $1,323,875,000 in loans. In third place, with 5.9%, is American Savings Bank, FSB, having originated $1,262,590,000 in loans. In third place, with 5.8%, is First Hawaiian Bank, having originated $1,245,230,000 in loans.


URBAN HONOLULU, HI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 18,749 $8,734,215,000 $465,850
Home Purchase 11,741 $7,402,745,000 $630,504
Cash Out Refi 8,414 $4,383,250,000 $520,947
Other 2,163 $538,645,000 $249,027
Home Improvement 1,766 $390,480,000 $221,110
NA 2 $1,080,000 $540,000

Urban Honolulu's most frequently cited loan purpose was Refi, with 18,749 originations. The 2nd most popular reason was Home Purchase, with 11,741 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 17,667 $9,450,705,000 $534,935
<2.5% 16,600 $7,634,280,000 $459,896
3-4% 7,254 $3,816,420,000 $526,112
4-5% 850 $292,100,000 $343,647
5-6% 154 $48,400,000 $314,286
Over 8% 70 $51,880,000 $741,143
7-8% 67 $52,015,000 $776,343
6-7% 40 $26,140,000 $653,500

During 2021, Urban Honolulu's most frequently originated rate bucket was 2.5-3%, with 17,667 originations.

Loan Sizing (URBAN HONOLULU, HI MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 12,800 $3,837,480,000 $299,803
$400k-600k 11,984 $5,870,140,000 $489,831
$600k-1000k 10,599 $7,828,455,000 $738,603
$100k-200k 3,925 $590,135,000 $150,353
$Over $1MM 2,172 $3,236,880,000 $1,490,276
$100,000 or less 1,355 $87,325,000 $64,446

URBAN HONOLULU's loan sizing saw the bucket of loans from $200k-400k with 12,800 originations, totaling $3,837,480,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 12,541 $7,400,045,000 $590,068
40-60% 8,846 $4,267,140,000 $482,381
80-100% 8,029 $5,006,385,000 $623,538
20-40% 5,941 $1,874,505,000 $315,520
Under 20% 3,609 $513,335,000 $142,237
Over 100% 1,685 $1,216,655,000 $722,050

URBAN HONOLULU's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 12,541 originations, totaling $7,400,045,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - URBAN HONOLULU (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $699,000 (-5.2%) $1,327,936 (-3.8%) 2.57 2,203
2018-02-01 $692,000 (-3.2%) $1,295,750 (-5.0%) 2.50 2,271
2018-03-01 $689,900 (-1.0%) $1,249,314 (-6.9%) 2.39 2,357
2018-04-01 $692,500 (-2.5%) $1,230,491 (-6.5%) 2.32 2,460
2018-05-01 $692,000 (-4.2%) $1,223,174 (-7.2%) 2.31 2,510
2018-06-01 $695,000 (-2.8%) $1,160,197 (-10.6%) 2.32 2,628
2018-07-01 $689,500 (-1.4%) $1,148,505 (-9.8%) 2.30 2,768
2018-08-01 $699,000 (0.0%) $1,151,124 (-10.0%) 2.34 2,781
2018-09-01 $699,000 (0.6%) $1,182,673 (-6.4%) 2.34 2,810
2018-10-01 $692,500 (0.4%) $1,164,525 (-7.0%) 2.32 2,853
2018-11-01 $698,500 (1.2%) $1,152,131 (-8.5%) 2.34 2,956
2018-12-01 $699,000 (0.0%) $1,162,450 (-11.0%) 2.39 2,946
2019-01-01 $699,000 (0.0%) $1,153,588 (-13.1%) 2.41 2,996
2019-02-01 $699,000 (1.0%) $1,130,158 (-12.8%) 2.34 3,124
2019-03-01 $699,000 (1.3%) $1,144,875 (-8.4%) 2.28 3,111
2019-04-01 $699,000 (0.9%) $1,162,474 (-5.5%) 2.20 3,050
2019-05-01 $698,000 (0.9%) $1,158,836 (-5.3%) 2.15 3,024
2019-06-01 $699,000 (0.6%) $1,150,769 (-0.8%) 2.15 3,018
2019-07-01 $698,000 (1.2%) $1,145,087 (-0.3%) 2.17 3,138
2019-08-01 $694,143 (-0.7%) $1,148,944 (-0.2%) 2.18 3,101
2019-09-01 $688,944 (-1.4%) $1,151,527 (-2.6%) 2.19 3,092
2019-10-01 $677,500 (-2.2%) $1,158,452 (-0.5%) 2.16 3,144
2019-11-01 $668,000 (-4.4%) $1,161,736 (0.8%) 2.16 3,066
2019-12-01 $662,500 (-5.2%) $1,186,230 (2.1%) 2.21 2,888
2020-01-01 $649,404 (-7.1%) $1,168,245 (1.3%) 2.17 2,745
2020-02-01 $635,808 (-9.0%) $1,142,519 (1.1%) 2.05 2,800
2020-03-01 $625,000 (-10.6%) $1,135,749 (-0.8%) 1.95 2,858
2020-04-01 $609,000 (-12.9%) $1,110,991 (-4.4%) 1.90 2,849
2020-05-01 $610,000 (-12.6%) $1,093,641 (-5.6%) 1.85 2,836
2020-06-01 $629,000 (-10.0%) $1,109,028 (-3.6%) 1.84 2,795
2020-07-01 $622,500 (-10.8%) $1,134,619 (-0.9%) 1.78 2,598
2020-08-01 $605,000 (-12.8%) $1,135,838 (-1.1%) 1.73 2,584
2020-09-01 $598,500 (-13.1%) $1,134,794 (-1.5%) 1.71 2,471
2020-10-01 $598,000 (-11.7%) $1,161,782 (0.3%) 1.71 2,444
2020-11-01 $599,250 (-10.3%) $1,177,701 (1.4%) 1.72 2,381
2020-12-01 $582,500 (-12.1%) $1,196,601 (0.9%) 1.71 2,493
2021-01-01 $570,000 (-12.2%) $1,217,076 (4.2%) 1.68 2,480
2021-02-01 $549,500 (-13.6%) $1,249,220 (9.3%) 1.58 1,908
2021-03-01 $572,000 (-8.5%) $1,273,383 (12.1%) 1.60 1,820
2021-04-01 $597,000 (-2.0%) $1,306,664 (17.6%) 1.60 1,748
2021-05-01 $625,000 (2.5%) $1,430,043 (30.8%) 1.65 1,584
2021-06-01 $675,000 (7.3%) $1,419,129 (28.0%) 1.75 1,570
2021-07-01 $687,500 (10.4%) $1,405,892 (23.9%) 1.79 1,578
2021-08-01 $697,000 (15.2%) $1,120,400 (-1.4%) 1.83 3,199
2021-09-01 $699,000 (16.8%) $1,122,256 (-1.1%) 1.84 3,178
2021-10-01 $699,000 (16.9%) $1,112,364 (-4.3%) 1.84 3,182
2021-11-01 $709,500 (18.4%) $1,395,737 (18.5%) 1.87 1,578
2021-12-01 $692,000 (18.8%) $1,404,101 (17.3%) 1.85 1,498
2022-01-01 $685,000 (20.2%) $1,385,208 (13.8%) 1.83 1,396
2022-02-01 $691,500 (25.8%) $1,348,366 (7.9%) 1.76 1,428
2022-03-01 $720,000 (25.9%) $1,373,683 (7.9%) 1.78 1,368
2022-04-01 $770,000 (29.0%) $1,402,464 (7.3%) 1.81 1,368
URBAN HONOLULU's median listing price for 2022-04-01 was $770,000, a difference of $173,000 (29.0%) versus the prior year and $50,000 versus the prior month.

URBAN HONOLULU's median listing price comes in at 181% of the national average.

URBAN HONOLULU's average listing price for 2022-04-01 was $1,402,464, a difference of $95,800 (7.3%) versus the prior year and $28,781 versus the prior month.

For the 2022-04-01 period, URBAN HONOLULU had 1,368 MLS listings, a difference of 0 listings (0%) versus the prior month and -380 listings (-22%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - URBAN HONOLULU (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 67 days 1,253 sqft
2018-02-01 54 days 1,248 sqft
2018-03-01 51 days 1,242 sqft
2018-04-01 52 days 1,262 sqft
2018-05-01 54 days 1,262 sqft
2018-06-01 55 days 1,271 sqft
2018-07-01 56 days 1,274 sqft
2018-08-01 58 days 1,294 sqft
2018-09-01 61 days 1,280 sqft
2018-10-01 65 days 1,269 sqft
2018-11-01 65 days 1,269 sqft
2018-12-01 71 days 1,243 sqft
2019-01-01 67 days 1,230 sqft
2019-02-01 61 days 1,215 sqft
2019-03-01 58 days 1,224 sqft
2019-04-01 58 days 1,235 sqft
2019-05-01 57 days 1,255 sqft
2019-06-01 56 days 1,243 sqft
2019-07-01 56 days 1,227 sqft
2019-08-01 59 days 1,211 sqft
2019-09-01 62 days 1,189 sqft
2019-10-01 64 days 1,175 sqft
2019-11-01 67 days 1,149 sqft
2019-12-01 75 days 1,144 sqft
2020-01-01 78 days 1,113 sqft
2020-02-01 71 days 1,101 sqft
2020-03-01 60 days 1,098 sqft
2020-04-01 70 days 1,057 sqft
2020-05-01 84 days 1,043 sqft
2020-06-01 93 days 1,031 sqft
2020-07-01 88 days 1,003 sqft
2020-08-01 80 days 983 sqft
2020-09-01 79 days 959 sqft
2020-10-01 78 days 978 sqft
2020-11-01 84 days 966 sqft
2020-12-01 89 days 966 sqft
2021-01-01 106 days 938 sqft
2021-02-01 83 days 895 sqft
2021-03-01 67 days 898 sqft
2021-04-01 66 days 933 sqft
2021-05-01 63 days 984 sqft
2021-06-01 51 days 1,021 sqft
2021-07-01 48 days 1,037 sqft
2021-08-01 47 days 1,145 sqft
2021-09-01 45 days 1,146 sqft
2021-10-01 45 days 1,126 sqft
2021-11-01 47 days 1,000 sqft
2021-12-01 56 days 949 sqft
2022-01-01 64 days 927 sqft
2022-02-01 53 days 938 sqft
2022-03-01 48 days 972 sqft
2022-04-01 49 days 1,039 sqft
URBAN HONOLULU's median listing age (time on market) for 2022-04-01 was 49 days. This is -26% shorter than the same period one year ago.

URBAN HONOLULU's median square footage for active listings during the 2022-04-01 period was 1,039 sqft. One year prior, the average listing was 933 sqft.