URBAN HONOLULU Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Urban Honolulu averaged 6.55% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.86% and one month ago for the week of 2025-02-27, the average rate was 6.67%.

Urban Honolulu's average rate one year ago was 7%.

For refis of the same type during the week of 2025-04-03, the average rate was 6.81%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Urban Honolulu 30 Year Fixed Rate 2025-04-03 6.55%
Urban Honolulu 30 Year Fixed Rate Refi 2025-04-03 6.81%
Urban Honolulu 15 Year Fixed Rate 2025-04-03 6.45%
Urban Honolulu 15 Year Fixed Rate Refi 2025-04-03 5.82%
Urban Honolulu 30 Year FHA 2025-04-03 5.95%
Urban Honolulu 30 Year FHA Refi 2025-04-03 6.26%
Urban Honolulu 30 Year USDA 2025-04-03 6.52%
Urban Honolulu 30 Year USDA Refi 2025-04-03 6.12%
Urban Honolulu 30 Year VA 2025-04-03 5.98%
Urban Honolulu 30 Year VA Refi 2025-04-03 5.14%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 355 6.60% $10,874
UNITED WHOLESALE MORTGAGE, LLC 355 6.64% $12,573
American Savings Bank, FSB 306 6.38% $13,537
Bank of Hawaii 268 6.50% $14,925
First Hawaiian Bank 250 6.58% $13,559
CMG MORTGAGE, INC. 169 6.96% $11,377
Central Pacific Bank 164 6.76% $9,296
GUARANTEED RATE, INC. 144 6.71% $10,639
HAWAII STATE FEDERAL CREDIT UNION 135 6.65% $10,558
GUILD MORTGAGE COMPANY 120 6.74% $14,122
FREEDOM MORTGAGE CORPORATION 94 6.63% $10,507
Territorial Savings Bank 89 6.13% $13,610
NEWREZ LLC 83 6.84% $9,273
DHI MORTGAGE COMPANY, LTD. 80 5.75% $5,283
LOANDEPOT.COM, LLC 78 6.67% $15,533
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 66 6.82% $13,707
Citadel Servicing Corporation 51 8.29% $15,474
The Loan Store, Inc. 50 6.72% $9,660
NAVY FEDERAL CREDIT UNION 48 6.22% $8,080
PLAZA HOME MORTGAGE, INC. 42 6.68% $9,839
Paramount Residential Mortgage Group, Inc. 42 6.85% $10,125
Century Mortgage Company DBA Century Lending Company 41 6.98% $12,870
PENNYMAC LOAN SERVICES, LLC 40 6.63% $11,139
PRIMARY RESIDENTIAL MORTGAGE, INC. 37 6.62% $7,197
Ameris Bank 36 6.54% $9,643
HAWAIIUSA FEDERAL CREDIT UNION 33 6.61% $12,960
University of Hawaii Federal Credit Union 31 5.97% $14,209
HAWAIIAN FINANCIAL 29 6.24% $12,628
Plains Commerce Bank 28 6.37% $14,280
Morgan Stanley Private Bank 27 5.93% $5,250
CANOPY MORTGAGE, LLC 26 6.97% $11,718
HighTechLending Inc 24 7.01% $20,200
CROSSCOUNTRY MORTGAGE, LLC 22 6.86% $13,428
V.I.P. MORTGAGE, INC. 21 6.65% $10,446
JPMorgan Chase Bank 20 6.43% $8,078
SECURITYNATIONAL MORTGAGE COMPANY 17 6.91% $31,047
HOMEXPRESS MORTGAGE CORP. 15 8.27% $17,861
Commerce Home Mortgage, Inc. 15 8.07% $31,317
CITY FIRST MORTGAGE SERVICES, L.L.C. 14 6.88% $12,366
Charles Schwab Bank, SSB 14 6.06% $5,692
Wells Fargo Bank 14 6.40% $9,251
Carrington Mortgage Services, LLC 12 7.50% $18,768
Bank of America 11 5.97% $8,534
Mr. Cooper ( Nationstar Mortgage ) 11 6.33% $10,583
NEXERA HOLDING LLC 11 7.56% $22,055
DAS Acquisition Company, LLC 11 6.57% $17,328
Home Mortgage Alliance Corp 10 7.65% $15,380
U.S. Bank 9 6.54% $9,129
LAND HOME FINANCIAL SERVICES, INC. 8 6.63% $13,042
BMO Harris Bank 8 6.38% $9,610
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 6.61% $15,241
DEEPHAVEN MORTGAGE LLC 8 7.78% $13,746
NFM, INC. 8 6.78% $10,609
Mortgage Research Center, LLC 8 6.73% $4,943
LENDSURE MORTGAGE CORP. 8 7.50% $15,852
NexBank 7 6.87% $11,374
AMERICAN FINANCIAL NETWORK, INC. 7 6.89% $11,794
AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.84% $12,302
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 7.09% $16,736
Citibank 7 6.09% $8,853
PENTAGON FEDERAL CREDIT UNION 6 6.02% $15,814
CASTLE & COOKE MORTGAGE, LLC 6 7.39% $12,783
OCMBC, INC. 5 7.67% $20,151
BETTER MORTGAGE CORPORATION 5 6.38% $14,399
SUMMIT FUNDING, INC. 5 7.10% $26,037
Logan Finance Corporation 5 7.37% $10,357
General Mortgage Capital Corporation 5 7.22% $15,917
BAY-VALLEY MORTGAGE GROUP 4 7.91% $20,582
Stifel Bank and Trust 4 6.09% $4,753
ANGEL OAK MORTGAGE SOLUTIONS LLC 4 7.38% $18,270
BAY EQUITY LLC 4 6.81% $11,357
ALAMEDA MORTGAGE CORPORATION 3 6.25% $21,401
ALKAN MORTGAGE CORPORATION 3 7.16% $10,910
AMERICAN FINANCING CORPORATION 3 6.29% $12,859
City National Bank 3 7.08% $8,501
LENOX FINANCIAL MORTGAGE CORPORATION 3 7.21% $10,005
MOVEMENT MORTGAGE, LLC 3 6.88% $10,039
NEW WAVE LENDING GROUP INC 3 7.29% $8,367
NMSI, INC. 3 7.25% $13,596
Pacific Lending LLC 3 6.79% $15,887
Raymond James Bank 3 5.88% $5,429
Royal Business Bank 3 6.75% $14,829
Flagstar Bank, FSB 2 7.75% $16,260
First-Citizens Bank & Trust Company 2 6.25% $4,826
Baxter Credit Union 2 6.88% $10,750
HICKAM 2 6.19% $12,567
AMERICAN INTERNET MORTGAGE, INC. 2 6.81% $8,048
Arvest Bank 2 6.50% $13,492
Farmers Bank & Trust 2 6.63% $7,419
ALLIANT CREDIT UNION 2 6.25% $19,600
ARC HOME LLC 2 7.75% $31,689
S1L, Inc. 2 7.63% $6,976
BNY Mellon 2 6.19% $5,812
KeyBank 2 6.25% $6,078
American Mortgage & Equity Consultants, Inc. 2 7.13% $20,538
NuVision Federal Credit Union 2 6.63% $9,715
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.38% $9,536
Cornerstone First Mortgage, Inc 1 7.50% $9,127
CARDINAL FINANCIAL 1 5.99% $15,911
BROKER SOLUTIONS, INC. 1 6.99% $5,888
ZILLOW HOME LOANS, LLC 1 7.13% $10,786
Zions Bank 1 5.88% $8,101
Sierra Pacific Mortgage Company, Inc. 1 6.75% $14,594
STAR ONE CREDIT UNION 1 7.25% $1,605
BM Real Estate Services, Inc. 1 7.99% $6,873
TEACHERS 1 7.25% $14,673
Bank of England 1 7.13% $9,942
UBS Bank USA 1 6.25% $9,636
Umpqua Bank 1 6.25% $29,981
Nations Lending Corporation 1 5.63% $12,977
LOANPAL, LLC 1 5.88% $17,860
JMJ FINANCIAL GROUP 1 7.00% $12,502
MLD MORTGAGE INC. 1 7.38% $8,464
HSBC BANK USA, NATIONAL ASSOCIATION 1 6.92% $8,187
NBKC BANK 1 5.50% $7,182
HomeStreet Bank 1 6.88% $4,259
GUARANTEED RATE AFFINITY, LLC 1 6.99% $11,919
Goldwater Bank, N.A. 1 6.75% $11,449
Ally Bank 1 6.38% $3,054
FUNDLOANS CAPITAL 1 7.63% $15,031
PACIFIC HOME LOANS, INC. 1 6.63% $12,232
PANORAMA MORTGAGE GROUP, LLC 1 6.13% $21,706
FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers 1 7.25% $32,022
PHH Mortgage Corporation 1 6.13% $7,926
Discover Bank 1 6.49% $0
PNC Bank 1 6.75% $6,355
Presidential Bank, FSB 1 7.38% $8,736

URBAN HONOLULU Average Closing Costs & Other Stats

URBAN HONOLULU, HI's 127 lenders originated 10,711 loans during 2024. The total origination value was $5,964,175,000, with an average loan value of $556,827.

URBAN HONOLULU's average closing costs are $10,377.

The top URBAN HONOLULU lender as defined by loan originations is QUICKEN LOANS, LLC, with 355 loans originated. Their average total fees are $10,874, which is $1,699 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee URBAN HONOLULU lenders (with over 10 loans originated) are Morgan Stanley Private Bank ($5,250), DHI MORTGAGE COMPANY, LTD. ($5,283), Charles Schwab Bank, SSB ($5,692), PRIMARY RESIDENTIAL MORTGAGE, INC. ($7,197) and JPMorgan Chase Bank ($8,078).

The lowest rate URBAN HONOLULU lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.75%), Morgan Stanley Private Bank (5.93%), Bank of America (5.97%), University of Hawaii Federal Credit Union (5.97%) and Charles Schwab Bank, SSB (6.06%).

URBAN HONOLULU, HI Mortgage 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
UNITED WHOLESALE MORTGAGE, LLC $575,180,000 $653,355,000 13.6% 11.0%
FREEDOM MORTGAGE CORPORATION $147,750,000 $425,355,000 187.9% 7.1%
Bank of Hawaii $671,540,000 $415,100,000 -38.2% 7.0%
QUICKEN LOANS, LLC $243,905,000 $344,065,000 41.1% 5.8%
First Hawaiian Bank $344,700,000 $339,490,000 -1.5% 5.7%
American Savings Bank, FSB $412,260,000 $333,990,000 -19.0% 5.6%
CMG MORTGAGE, INC. $127,520,000 $210,540,000 65.1% 3.5%
GUARANTEED RATE, INC. $118,750,000 $186,945,000 57.4% 3.1%
Central Pacific Bank $194,790,000 $169,220,000 -13.1% 2.8%
DHI MORTGAGE COMPANY, LTD. $214,005,000 $159,320,000 -25.6% 2.7%
HAWAII STATE FEDERAL CREDIT UNION $179,175,000 $157,705,000 -12.0% 2.6%
NEWREZ LLC $58,440,000 $131,645,000 125.3% 2.2%
Mortgage Research Center, LLC $109,140,000 $127,750,000 17.1% 2.1%
GUILD MORTGAGE COMPANY $44,530,000 $118,205,000 165.5% 2.0%
PENNYMAC LOAN SERVICES, LLC $53,425,000 $113,065,000 111.6% 1.9%
LOANDEPOT.COM, LLC $151,725,000 $107,315,000 -29.3% 1.8%
NAVY FEDERAL CREDIT UNION $74,725,000 $94,655,000 26.7% 1.6%
HAWAIIUSA FEDERAL CREDIT UNION $166,030,000 $84,335,000 -49.2% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $102,985,000 $69,115,000 -32.9% 1.2%
HAWAIIAN FINANCIAL $61,590,000 $66,080,000 7.3% 1.1%
Citadel Servicing Corporation $28,850,000 $61,895,000 114.5% 1.0%
PNC Bank $120,640,000 $61,795,000 -48.8% 1.0%
Century Mortgage Company DBA Century Lending Company $55,180,000 $60,135,000 9.0% 1.0%
Territorial Savings Bank $92,535,000 $54,660,000 -40.9% 0.9%
CROSSCOUNTRY MORTGAGE, LLC $54,185,000 $48,540,000 -10.4% 0.8%
The Loan Store, Inc. $345,000 $45,160,000 12,989.9% 0.8%
Paramount Residential Mortgage Group, Inc. $21,940,000 $41,935,000 91.1% 0.7%
CANOPY MORTGAGE, LLC $5,490,000 $41,060,000 647.9% 0.7%
Ameris Bank $49,750,000 $40,060,000 -19.5% 0.7%
PLAZA HOME MORTGAGE, INC. $18,965,000 $36,420,000 92.0% 0.6%
Morgan Stanley Private Bank $21,645,000 $35,350,000 63.3% 0.6%
Bank of America $19,130,000 $34,000,000 77.7% 0.6%
Plains Commerce Bank $21,520,000 $33,240,000 54.5% 0.6%
PRIMARY RESIDENTIAL MORTGAGE, INC. $21,140,000 $27,765,000 31.3% 0.5%
JPMorgan Chase Bank $28,550,000 $27,250,000 -4.6% 0.5%
V.I.P. MORTGAGE, INC. $11,865,000 $27,040,000 127.9% 0.5%
HighTechLending Inc $18,940,000 $25,500,000 34.6% 0.4%
LAND HOME FINANCIAL SERVICES, INC. $22,045,000 $24,970,000 13.3% 0.4%
Finance Factors, Limited $41,715,000 $23,765,000 -43.0% 0.4%
Carrington Mortgage Services, LLC $15,070,000 $23,265,000 54.4% 0.4%
SECURITYNATIONAL MORTGAGE COMPANY $22,055,000 $22,510,000 2.1% 0.4%
ALOHA PACIFIC $80,965,000 $22,255,000 -72.5% 0.4%
University of Hawaii Federal Credit Union $15,820,000 $22,215,000 40.4% 0.4%
HOMEXPRESS MORTGAGE CORP. $12,650,000 $20,660,000 63.3% 0.3%
HICKAM $72,350,000 $19,390,000 -73.2% 0.3%
Commerce Home Mortgage, Inc. $20,340,000 $18,270,000 -10.2% 0.3%
FINANCE OF AMERICA REVERSE LLC $22,300,000 $17,800,000 -20.2% 0.3%
CITY FIRST MORTGAGE SERVICES, L.L.C. $17,605,000 n/a 0.3%
Mr. Cooper ( Nationstar Mortgage ) $10,250,000 $17,390,000 69.7% 0.3%
Wells Fargo Bank $19,140,000 $16,975,000 -11.3% 0.3%
Charles Schwab Bank, SSB $11,825,000 $15,815,000 33.7% 0.3%
DEEPHAVEN MORTGAGE LLC $15,280,000 n/a 0.3%
WALKER & DUNLOP, LLC $110,005,000 $14,965,000 -86.4% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $39,065,000 $14,840,000 -62.0% 0.2%
NEXERA HOLDING LLC $10,320,000 $14,390,000 39.4% 0.2%
DAS Acquisition Company, LLC $8,565,000 $14,385,000 68.0% 0.2%
PENTAGON FEDERAL CREDIT UNION $7,715,000 $14,270,000 85.0% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $25,815,000 $14,065,000 -45.5% 0.2%
U.S. Bank $10,790,000 $13,315,000 23.4% 0.2%
LIMA ONE CAPITAL, LLC $6,755,000 $12,220,000 80.9% 0.2%
VELOCITY COMMERCIAL CAPITAL, LLC $4,565,000 $11,810,000 158.7% 0.2%
UBS Bank USA $2,035,000 $11,760,000 477.9% 0.2%
Flagstar Bank, FSB $2,050,000 $11,745,000 472.9% 0.2%
Citibank $16,790,000 $11,355,000 -32.4% 0.2%
TEMPLE VIEW CAPITAL FUNDING, LP $26,545,000 $10,980,000 -58.6% 0.2%
BMO Harris Bank $4,660,000 $10,795,000 131.7% 0.2%
The Federal Savings Bank $8,185,000 $10,395,000 27.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $17,090,000 $9,880,000 -42.2% 0.2%
OCMBC, INC. $9,215,000 $9,455,000 2.6% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $15,810,000 $9,245,000 -41.5% 0.2%
Home Mortgage Alliance Corp $8,985,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $106,500,000 $8,850,000 -91.7% 0.1%
VILLAGE CAPITAL MORTGAGE $1,280,000 $8,530,000 566.4% 0.1%
Logan Finance Corporation $7,635,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $855,000 $7,070,000 726.9% 0.1%
Hometown Equity Mortgage, LLC $3,415,000 $7,035,000 106.0% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,405,000 $6,880,000 389.7% 0.1%
CARDINAL FINANCIAL $9,945,000 $6,685,000 -32.8% 0.1%
MOVEMENT MORTGAGE, LLC $4,735,000 $6,615,000 39.7% 0.1%
NFM, INC. $1,580,000 $6,515,000 312.3% 0.1%
City National Bank $6,395,000 n/a 0.1%
BAY-VALLEY MORTGAGE GROUP $4,480,000 $6,115,000 36.5% 0.1%
BNY Mellon $4,390,000 $6,070,000 38.3% 0.1%
CASTLE & COOKE MORTGAGE, LLC $6,635,000 $5,645,000 -14.9% 0.1%
M&T Bank $3,785,000 $5,605,000 48.1% 0.1%
LENDSURE MORTGAGE CORP. $4,905,000 $5,555,000 13.3% 0.1%
SUMMIT FUNDING, INC. $285,000 $5,390,000 1,791.2% 0.1%
AMERISAVE MORTGAGE CORPORATION $9,745,000 $5,385,000 -44.7% 0.1%
NexBank $3,500,000 $5,215,000 49.0% 0.1%
Pearl Hawaii Federal Credit Union $6,120,000 $5,165,000 -15.6% 0.1%
BETTER MORTGAGE CORPORATION $405,000 $5,135,000 1,167.9% 0.1%
USAA Federal Savings Bank $2,735,000 $4,580,000 67.5% 0.1%
AMWEST FUNDING CORP. $5,910,000 $4,545,000 -23.1% 0.1%
Pacific Lending LLC $4,505,000 n/a 0.1%
General Mortgage Capital Corporation $4,350,000 n/a 0.1%
AHL FUNDING $1,795,000 $4,045,000 125.3% 0.1%
East West Bank $4,005,000 n/a 0.1%
Umpqua Bank $1,245,000 $3,905,000 213.7% 0.1%
GUARANTEED RATE AFFINITY, LLC $2,840,000 $3,810,000 34.2% 0.1%
NuVision Federal Credit Union $3,015,000 $3,745,000 24.2% 0.1%
ALLIANT CREDIT UNION $510,000 $3,525,000 591.2% 0.1%
CLEARPATH LENDING $3,635,000 $3,470,000 -4.5% 0.1%
ARC HOME LLC $3,360,000 n/a 0.1%
Baxter Credit Union $3,330,000 n/a 0.1%
ALAMEDA MORTGAGE CORPORATION $315,000 $3,300,000 947.6% 0.1%
AMERICAN HERITAGE LENDING, INC. $4,920,000 $3,180,000 -35.4% 0.1%
Discover Bank $2,985,000 $3,145,000 5.4% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,275,000 $3,080,000 141.6% 0.1%
FOUNDATION MORTGAGE CORPORATION $585,000 $3,035,000 418.8% 0.1%
Stifel Bank and Trust $1,910,000 $3,030,000 58.6% 0.1%
FUNDLOANS CAPITAL $3,985,000 $2,985,000 -25.1% 0.1%
Washington Trust Bank $2,975,000 n/a 0.0%
BAY EQUITY LLC $4,580,000 $2,905,000 -36.6% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $2,765,000 n/a 0.0%
Farmers Bank & Trust $475,000 $2,725,000 473.7% 0.0%
NEW WAVE LENDING GROUP INC $2,725,000 n/a 0.0%
HomeStreet Bank $4,940,000 $2,650,000 -46.4% 0.0%
ALKAN MORTGAGE CORPORATION $2,435,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $450,000 $2,255,000 401.1% 0.0%
AMERICAN FINANCING CORPORATION $855,000 $2,175,000 154.4% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $640,000 $2,145,000 235.2% 0.0%
NATIONS DIRECT MORTGAGE, LLC $2,060,000 n/a 0.0%
PLANET HOME LENDING, LLC $800,000 $2,035,000 154.4% 0.0%
Raymond James Bank $1,785,000 $2,005,000 12.3% 0.0%
AMERITRUST MORTGAGE CORPORATION $1,985,000 n/a 0.0%
Northpointe Bank $1,550,000 $1,980,000 27.7% 0.0%
VAL-CHRIS INVESTMENTS, INC. $2,005,000 $1,870,000 -6.7% 0.0%
JMJ FINANCIAL GROUP $685,000 $1,815,000 165.0% 0.0%
NMSI, INC. $1,850,000 $1,815,000 -1.9% 0.0%
American Mortgage & Equity Consultants, Inc. $1,965,000 $1,805,000 -8.1% 0.0%
Royal Business Bank $570,000 $1,675,000 193.9% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,590,000 n/a 0.0%
NEW DAY FINANCIAL, LLC $4,300,000 $1,565,000 -63.6% 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $3,225,000 $1,545,000 -52.1% 0.0%
Texana Bank $1,540,000 n/a 0.0%
FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers $1,495,000 n/a 0.0%
GENEVA FINANCIAL, LLC $755,000 $1,470,000 94.7% 0.0%
QUORUM FEDERAL CREDIT UNION $545,000 $1,430,000 162.4% 0.0%
MORTGAGEONE, INC. $355,000 $1,410,000 297.2% 0.0%
ZILLOW HOME LOANS, LLC $1,220,000 $1,390,000 13.9% 0.0%
MidFirst Bank $1,375,000 n/a 0.0%
Magnolia Bank $1,340,000 n/a 0.0%
Performance Financial, Inc. $505,000 $1,280,000 153.5% 0.0%
The Central Trust Bank $1,230,000 n/a 0.0%
Armed Forces Bank $965,000 $1,195,000 23.8% 0.0%
S1L, Inc. $1,510,000 $1,190,000 -21.2% 0.0%
NBKC BANK $2,215,000 $1,185,000 -46.5% 0.0%
PANORAMA MORTGAGE GROUP, LLC $1,180,000 n/a 0.0%
First-Citizens Bank & Trust Company $1,160,000 n/a 0.0%
Goldwater Bank, N.A. $1,145,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $645,000 $1,110,000 72.1% 0.0%
PACIFIC HOME LOANS, INC. $1,105,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $1,100,000 n/a 0.0%
KeyBank $2,200,000 $1,100,000 -50.0% 0.0%
Bank of England $870,000 $1,095,000 25.9% 0.0%
MLD MORTGAGE INC. $995,000 $1,035,000 4.0% 0.0%
HILTON FINANCIAL CORPORATION $1,505,000 $975,000 -35.2% 0.0%
Arvest Bank $920,000 n/a 0.0%
Ally Bank $395,000 $895,000 126.6% 0.0%
Cornerstone First Mortgage, Inc $335,000 $885,000 164.2% 0.0%
First Federal Bank $585,000 $880,000 50.4% 0.0%
Sierra Pacific Mortgage Company, Inc. $835,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $2,480,000 $785,000 -68.3% 0.0%
Zions Bank $785,000 n/a 0.0%
PHH Mortgage Corporation $125,000 $765,000 512.0% 0.0%
Presidential Bank, FSB $505,000 $760,000 50.5% 0.0%
CORNERSTONE HOME LENDING, INC. $545,000 $725,000 33.0% 0.0%
Brighton Bank $625,000 n/a 0.0%
BOKF $605,000 n/a 0.0%
BM Real Estate Services, Inc. $595,000 n/a 0.0%
BROKER SOLUTIONS, INC. $490,000 n/a 0.0%
Paramount Bank $485,000 n/a 0.0%
LOANPAL, LLC $480,000 n/a 0.0%
TEACHERS $105,000 $455,000 333.3% 0.0%
Evolve Bank & Trust $705,000 $435,000 -38.3% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $405,000 n/a 0.0%
LENDINGONE, LLC $1,085,000 $405,000 -62.7% 0.0%
ALL REVERSE MORTGAGE, INC. $345,000 n/a 0.0%
RBC Bank, (Georgia) $945,000 $335,000 -64.6% 0.0%
I.L.W.U. CREDIT UNION $310,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $275,000 n/a 0.0%
Nations Lending Corporation $3,050,000 $265,000 -91.3% 0.0%
STAR ONE CREDIT UNION $265,000 $265,000 0.0% 0.0%
Merchants Mortgage & Trust Corporation $245,000 n/a 0.0%
Allied First Bank,sb $235,000 n/a 0.0%
ANDREWS FEDERAL CREDIT UNION $215,000 n/a 0.0%
STANFORD Federal Credit Union $165,000 n/a 0.0%
American Airlines Federal Credit Union $690,000 $105,000 -84.8% 0.0%
UNIFY FINANCIAL Credit Union $105,000 n/a 0.0%
United States Senate Federal Credit Union $55,000 n/a 0.0%

URBAN HONOLULU's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 11.0% market share. In second place, with 7.1%, is FREEDOM MORTGAGE CORPORATION, having originated $425,355,000 in loans. In third place, with 7.0%, is Bank of Hawaii, having originated $415,100,000 in loans. In fourth place, with 5.8%, is QUICKEN LOANS, LLC, having originated $344,065,000 in loans. In fifth place, with 5.7%, is First Hawaiian Bank, having originated $339,490,000 in loans.


URBAN HONOLULU Housing Market Trends (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 (-4.9%) $1,331,604 (-3.0%) 2.59 2,190
2018-02-01 $695,000 (-2.6%) $1,301,448 (-4.2%) 2.52 2,258
2018-03-01 $695,000 (-0.2%) $1,253,091 (-6.2%) 2.44 2,342
2018-04-01 $694,900 (-1.1%) $1,229,744 (-6.2%) 2.36 2,450
2018-05-01 $692,000 (-4.3%) $1,221,866 (-7.5%) 2.31 2,499
2018-06-01 $695,000 (-2.7%) $1,160,573 (-10.3%) 2.32 2,606
2018-07-01 $692,000 (-1.0%) $1,142,621 (-10.4%) 2.31 2,746
2018-08-01 $699,000 (0.0%) $1,146,306 (-10.3%) 2.34 2,755
2018-09-01 $699,000 (0.6%) $1,170,922 (-7.3%) 2.35 2,775
2018-10-01 $690,000 (-0.3%) $1,154,490 (-8.0%) 2.34 2,819
2018-11-01 $698,257 (0.8%) $1,145,622 (-9.2%) 2.37 2,919
2018-12-01 $699,000 (-0.1%) $1,157,469 (-11.7%) 2.41 2,910
2019-01-01 $699,000 (0.0%) $1,152,171 (-13.5%) 2.41 2,963
2019-02-01 $699,000 (0.6%) $1,131,246 (-13.1%) 2.36 3,081
2019-03-01 $699,214 (0.6%) $1,146,333 (-8.5%) 2.29 3,079
2019-04-01 $699,214 (0.6%) $1,164,959 (-5.3%) 2.22 3,031
2019-05-01 $698,500 (0.9%) $1,155,880 (-5.4%) 2.18 2,998
2019-06-01 $698,500 (0.5%) $1,150,252 (-0.9%) 2.18 2,996
2019-07-01 $698,000 (0.9%) $1,152,606 (0.9%) 2.19 3,113
2019-08-01 $693,091 (-0.9%) $1,158,868 (1.1%) 2.19 3,106
2019-09-01 $685,727 (-1.9%) $1,162,227 (-0.7%) 2.19 3,115
2019-10-01 $679,500 (-1.5%) $1,164,467 (0.9%) 2.19 3,115
2019-11-01 $668,000 (-4.3%) $1,157,569 (1.0%) 2.19 3,032
2019-12-01 $662,500 (-5.2%) $1,186,499 (2.5%) 2.21 2,863
2020-01-01 $649,450 (-7.1%) $1,168,819 (1.4%) 2.17 2,726
2020-02-01 $638,000 (-8.7%) $1,143,925 (1.1%) 2.09 2,780
2020-03-01 $625,000 (-10.6%) $1,137,009 (-0.8%) 1.96 2,839
2020-04-01 $604,500 (-13.6%) $1,110,263 (-4.7%) 1.89 2,831
2020-05-01 $610,000 (-12.7%) $1,087,870 (-5.9%) 1.85 2,827
2020-06-01 $629,000 (-10.0%) $1,104,349 (-4.0%) 1.85 2,794
2020-07-01 $621,250 (-11.0%) $1,127,585 (-2.2%) 1.80 2,591
2020-08-01 $600,000 (-13.4%) $1,136,252 (-2.0%) 1.72 2,579
2020-09-01 $598,500 (-12.7%) $1,127,838 (-3.0%) 1.71 2,459
2020-10-01 $595,000 (-12.4%) $1,157,577 (-0.6%) 1.70 2,434
2020-11-01 $597,500 (-10.6%) $1,173,448 (1.4%) 1.75 2,368
2020-12-01 $581,750 (-12.2%) $1,190,127 (0.3%) 1.73 2,438
2021-01-01 $573,250 (-11.7%) $1,221,455 (4.5%) 1.71 2,368
2021-02-01 $547,500 (-14.2%) $1,237,714 (8.2%) 1.59 1,900
2021-03-01 $572,500 (-8.4%) $1,266,540 (11.4%) 1.62 1,815
2021-04-01 $599,000 (-0.9%) $1,295,716 (16.7%) 1.62 1,741
2021-05-01 $625,000 (2.5%) $1,415,112 (30.1%) 1.66 1,581
2021-06-01 $675,000 (7.3%) $1,411,373 (27.8%) 1.78 1,571
2021-07-01 $697,400 (12.3%) $1,424,694 (26.4%) 1.84 1,568
2021-08-01 $712,500 (18.8%) $1,468,837 (29.3%) 1.90 1,473
2021-09-01 $719,250 (20.2%) $1,444,997 (28.1%) 1.92 1,514
2021-10-01 $716,500 (20.4%) $1,384,855 (19.6%) 1.91 1,576
2021-11-01 $717,500 (20.1%) $1,390,971 (18.5%) 1.92 1,571
2021-12-01 $696,500 (19.7%) $1,401,938 (17.8%) 1.89 1,489
2022-01-01 $695,000 (21.2%) $1,395,284 (14.2%) 1.88 1,391
2022-02-01 $696,750 (27.3%) $1,351,223 (9.2%) 1.81 1,429
2022-03-01 $726,750 (26.9%) $1,376,135 (8.7%) 1.82 1,367
2022-04-01 $775,000 (29.4%) $1,405,561 (8.5%) 1.85 1,372
2022-05-01 $809,000 (29.4%) $1,425,422 (0.7%) 1.85 1,471
2022-06-01 $841,750 (24.7%) $1,414,040 (0.2%) 1.87 1,529
2022-07-01 $850,000 (21.9%) $1,408,410 (-1.1%) 1.91 1,687
2022-08-01 $850,000 (19.3%) $1,395,229 (-5.0%) 1.96 1,755
2022-09-01 $838,250 (16.6%) $1,382,291 (-4.3%) 1.96 1,779
2022-10-01 $830,000 (15.8%) $1,332,210 (-3.8%) 1.95 1,936
2022-11-01 $821,100 (14.4%) $1,317,498 (-5.3%) 1.97 2,041
2022-12-01 $819,750 (17.7%) $1,330,017 (-5.1%) 2.02 2,044
2023-01-01 $814,000 (17.1%) $1,335,491 (-4.3%) 2.02 2,129
2023-02-01 $782,500 (12.3%) $1,254,280 (-7.2%) 1.89 2,452
2023-03-01 $789,500 (8.6%) $1,234,933 (-10.3%) 1.86 2,511
2023-04-01 $799,900 (3.2%) $1,371,056 (-2.5%) 1.86 1,805
2023-05-01 $811,500 (0.3%) $1,362,620 (-4.4%) 1.84 1,777
2023-06-01 $824,018 (-2.1%) $1,393,489 (-1.5%) 1.85 1,811
2023-07-01 $827,000 (-2.7%) $1,391,699 (-1.2%) 1.88 1,840
2023-08-01 $822,500 (-3.2%) $1,379,907 (-1.1%) 1.89 1,858
2023-09-01 $820,000 (-2.2%) $1,379,356 (-0.2%) 1.91 1,862
2023-10-01 $798,750 (-3.8%) $1,361,328 (2.2%) 1.88 1,970
2023-11-01 $799,000 (-2.7%) $1,354,828 (2.8%) 1.90 2,077
2023-12-01 $795,500 (-3.0%) $1,392,029 (4.7%) 1.94 2,107
2024-01-01 $789,500 (-3.0%) $1,378,053 (3.2%) 1.93 2,054
2024-02-01 $789,750 (0.9%) $1,367,011 (9.0%) 1.90 2,074
2024-03-01 $750,000 (-5.0%) $1,327,164 (7.5%) 1.77 2,197
2024-04-01 $744,000 (-7.0%) $1,322,934 (-3.5%) 1.73 2,243
2024-05-01 $727,000 (-10.4%) $1,318,284 (-3.3%) 1.65 2,358
2024-06-01 $728,000 (-11.7%) $1,302,646 (-6.5%) 1.65 2,441
2024-07-01 $731,500 (-11.6%) $1,241,413 (-10.8%) 1.67 2,638
2024-08-01 $725,000 (-11.9%) $1,240,712 (-10.1%) 1.69 2,740
2024-09-01 $712,500 (-13.1%) $1,230,468 (-10.8%) 1.68 2,792
2024-10-01 $707,375 (-11.4%) $1,225,726 (-10.0%) 1.66 2,805
2024-11-01 $699,000 (-12.5%) $1,215,029 (-10.3%) 1.68 2,933
2024-12-01 $699,000 (-12.1%) $1,259,258 (-9.5%) 1.74 2,897
2025-01-01 $698,500 (-11.5%) $1,275,437 (-7.5%) 1.74 2,877
2025-02-01 $679,500 (-14.0%) $1,200,797 (-12.2%) 1.65 2,955
2025-03-01 $675,000 (-10.0%) $1,168,908 (-11.9%) 0.00 3,108
URBAN HONOLULU's median listing price for 2025-03-01 was $675,000, a difference of $-75,000 (-10.0%) versus the prior year and $-4,500 versus the prior month.

URBAN HONOLULU's median listing price comes in at 0% of the national average.

URBAN HONOLULU's average listing price for 2025-03-01 was $1,168,908, a difference of $-158,256 (-11.9%) versus the prior year and $-31,889 versus the prior month.

For the 2025-03-01 period, URBAN HONOLULU had 3,108 MLS listings, a difference of 153 listings (5%) versus the prior month and 911 listings (41%) 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 66 days 1,253 sqft
2018-02-01 52 days 1,250 sqft
2018-03-01 50 days 1,244 sqft
2018-04-01 51 days 1,263 sqft
2018-05-01 53 days 1,263 sqft
2018-06-01 54 days 1,269 sqft
2018-07-01 54 days 1,273 sqft
2018-08-01 56 days 1,294 sqft
2018-09-01 60 days 1,278 sqft
2018-10-01 64 days 1,265 sqft
2018-11-01 63 days 1,271 sqft
2018-12-01 68 days 1,248 sqft
2019-01-01 65 days 1,228 sqft
2019-02-01 59 days 1,212 sqft
2019-03-01 55 days 1,223 sqft
2019-04-01 57 days 1,238 sqft
2019-05-01 56 days 1,252 sqft
2019-06-01 56 days 1,244 sqft
2019-07-01 54 days 1,228 sqft
2019-08-01 57 days 1,215 sqft
2019-09-01 61 days 1,193 sqft
2019-10-01 64 days 1,176 sqft
2019-11-01 66 days 1,149 sqft
2019-12-01 74 days 1,144 sqft
2020-01-01 76 days 1,115 sqft
2020-02-01 69 days 1,107 sqft
2020-03-01 61 days 1,098 sqft
2020-04-01 71 days 1,058 sqft
2020-05-01 82 days 1,040 sqft
2020-06-01 91 days 1,030 sqft
2020-07-01 83 days 1,002 sqft
2020-08-01 75 days 985 sqft
2020-09-01 73 days 959 sqft
2020-10-01 74 days 977 sqft
2020-11-01 77 days 963 sqft
2020-12-01 85 days 957 sqft
2021-01-01 101 days 934 sqft
2021-02-01 73 days 892 sqft
2021-03-01 60 days 899 sqft
2021-04-01 59 days 932 sqft
2021-05-01 53 days 984 sqft
2021-06-01 45 days 1,017 sqft
2021-07-01 44 days 1,047 sqft
2021-08-01 46 days 1,048 sqft
2021-09-01 43 days 1,046 sqft
2021-10-01 41 days 1,032 sqft
2021-11-01 44 days 1,000 sqft
2021-12-01 52 days 952 sqft
2022-01-01 58 days 927 sqft
2022-02-01 45 days 938 sqft
2022-03-01 44 days 976 sqft
2022-04-01 42 days 1,040 sqft
2022-05-01 36 days 1,078 sqft
2022-06-01 39 days 1,134 sqft
2022-07-01 41 days 1,158 sqft
2022-08-01 46 days 1,168 sqft
2022-09-01 49 days 1,136 sqft
2022-10-01 50 days 1,140 sqft
2022-11-01 53 days 1,142 sqft
2022-12-01 64 days 1,131 sqft
2023-01-01 68 days 1,132 sqft
2023-02-01 64 days 1,123 sqft
2023-03-01 60 days 1,114 sqft
2023-04-01 64 days 1,082 sqft
2023-05-01 59 days 1,104 sqft
2023-06-01 58 days 1,120 sqft
2023-07-01 59 days 1,130 sqft
2023-08-01 61 days 1,117 sqft
2023-09-01 58 days 1,132 sqft
2023-10-01 54 days 1,123 sqft
2023-11-01 56 days 1,108 sqft
2023-12-01 62 days 1,078 sqft
2024-01-01 72 days 1,081 sqft
2024-02-01 68 days 1,067 sqft
2024-03-01 60 days 1,045 sqft
2024-04-01 58 days 1,041 sqft
2024-05-01 55 days 1,023 sqft
2024-06-01 57 days 1,016 sqft
2024-07-01 61 days 1,027 sqft
2024-08-01 63 days 1,031 sqft
2024-09-01 66 days 1,029 sqft
2024-10-01 68 days 1,022 sqft
2024-11-01 71 days 1,023 sqft
2024-12-01 75 days 1,019 sqft
2025-01-01 76 days 1,011 sqft
2025-02-01 74 days 1,001 sqft
2025-03-01 0 days 991 sqft
URBAN HONOLULU's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

URBAN HONOLULU's median square footage for active listings during the 2025-03-01 period was 991 sqft. One year prior, the average listing was 1,045 sqft.

URBAN HONOLULU, HI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 5,999 $4,170,965,000 $695,277
Refi 1,740 $864,460,000 $496,816
Other 1,089 $268,115,000 $246,203
Home Improvement 951 $206,255,000 $216,882
Cash Out Refi 927 $450,215,000 $485,669
NA 5 $4,165,000 $833,000

Urban Honolulu's most frequently cited loan purpose was Home Purchase, with 5,999 originations. The 2nd most popular reason was Refi, with 1,740 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 4,417 $2,566,855,000 $581,131
5-6% 2,404 $1,669,500,000 $694,468
7-8% 2,267 $984,895,000 $434,449
Over 8% 1,179 $418,585,000 $355,034
4-5% 189 $161,625,000 $855,159
<2.5% 102 $62,940,000 $617,059
2.5-3% 68 $46,260,000 $680,294
3-4% 26 $20,100,000 $773,077

During 2024, Urban Honolulu's most frequently originated rate bucket was 6-7%, with 4,417 originations.

Loan Sizing (URBAN HONOLULU, HI MSA)

Loan Size Originations Total Value Average Loan
$600k-1000k 2,690 $2,096,630,000 $779,416
$200k-400k 2,511 $743,405,000 $296,059
$400k-600k 2,197 $1,064,035,000 $484,313
$100k-200k 1,253 $173,275,000 $138,288
$Over $1MM 1,240 $1,835,940,000 $1,480,597
$100,000 or less 820 $50,890,000 $62,061

URBAN HONOLULU's loan sizing saw the bucket of loans from $600k-1000k with 2,690 originations, totaling $2,096,630,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,942 $2,158,800,000 $733,787
60-80% 2,266 $1,628,930,000 $718,857
Under 20% 1,985 $263,055,000 $132,521
20-40% 1,407 $469,445,000 $333,650
40-60% 1,143 $685,675,000 $599,891
Over 100% 723 $549,225,000 $759,647

URBAN HONOLULU's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,942 originations, totaling $2,158,800,000 in origination value.