Applications / Mortgage Analytics / Lenders / Hawaii / Finance Factors
Honolulu, HI · State non-member bank · FDIC · $688 million assets · 48 loans in 2025
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48
loans originated, 2025
83
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Finance Factors, a Honolulu bank, makes few loans but big ones, mostly to buy homes, and makes far fewer than it did in 2020.
Its typical loan in 2025 was $755,000, against $165,000 at similar lenders (banks of the same type making between half and twice as many loans), larger than at all but a few. Purchases made up 70.8% of its loans, and 15.6% were jumbo (larger than the conforming limit), against 1.7% at peers. Its share of borrowers with low or moderate incomes, 14.3%, was about half peers' 27.7%, which may follow from the size of its loans.
Of its loans, 91.7% were in majority-minority tracts, against 5.7% at peers. It lends only in Hawaii, and the share may say more about the neighborhoods of the islands than about the bank. It has been near nine in ten for years: 93.2% in 2020.
It made 48 loans in 2025, against 51 in 2024 and 368 in 2020. That 2020 total was more than double the 154 of 2019, so it may have been a one-off burst, of refinancing perhaps, rather than the bank's normal size. Its share of the Urban Honolulu market held at 0.4%, 39th of 223 lenders. In Kahului-Wailuku its share fell from 0.8% to 0.4%, a move a handful of loans can make in a market that size.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Finance Factors took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.8% · Refinance 22.9% · Other 6.3%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 31 |
| Kahului-Wailuku | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E5RO9KE6OFNQ81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 827560 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 325158 | 1990–2017 |
Established 14 May 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Finance Factors's data.
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Finance Factors and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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