Applications / Mortgage Analytics / Lenders / Hawaii / First Hawaiian Bank
Honolulu, HI · State non-member bank · FDIC · $24.0 billion assets · 1,588 loans in 2025
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1,588
loans originated, 2025
2,742
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Hawaiian Bank is a Hawaii lender of conventional loans whose originations rose 26% in 2025, faster than similar lenders' 11% and the whole market's 10%.
Its 1,588 originations rose 26% from 1,256, a faster rise than about four in five similar lenders (state non-member banks making between half and twice as many loans). They remain well below the 4,002 of 2020.
Its loans were 99.9% conventional, with no FHA (insured by the Federal Housing Administration) lending against 2.7% at peers. Its typical loan was $295,000, against $195,000, and its typical rate of 5.87% was lower than at nearly all similar lenders (6.62% at peers).
Majority-minority areas took 90.7% of its loans, against 8.3% at peers, and LMI (low- and moderate-income) areas 20.3%, against 15.2%; the make-up of the Hawaii markets it mainly serves is one possible reason. LMI borrowers took 20.2%, against 27.8% at peers, a lower share than at about four in five of them; its larger typical loan and higher share of jumbo loans (larger than the conforming limit), 5.4% against 2.4%, are possible reasons.
It ranked 5 of 223 lenders in Urban Honolulu, where Bank of Hawaii led; its share there fell 0.3 points to 5.4%, and growth by other lenders there is one possible reason. Its share in Kahului-Wailuku held at 4.7%, ranking 5 of 154. Both have been its markets since before 1990; it entered Portland-Vancouver-Hillsboro in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Hawaiian Bank took 2,742 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.5% · Purchase 22.7% · Other 22.0% · Home improvement 15.8%
Conventional 99.9% · VA 0.1% · of 1,588 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Hawaii | 1,586 | 99.9% |
| Oregon | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 1,097 |
| Kahului-Wailuku | 171 |
| Portland-Vancouver-Hillsboro | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | WWJYKHS2UNKSDW8XLB53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 980661 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317985 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9980661 | 2011–2017 |
Established 1 January 1858. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Hawaiian Bank's data.
First Hawaiian Bank's data
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