Applications / Mortgage Analytics / Lenders / Hawaii / Mortgage Hawaii
Honolulu, HI · Non-bank or government lender · CFPB · 70 loans in 2025
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70
loans originated, 2025
71
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Hawaii, a home-purchase lender working only in Honolulu, made 70 loans in 2025, up from 12 the year before.
Its originations rose 483% in 2025. Similar lenders, non-bank or government lenders making between half and twice as many loans, fell 5%, and the whole market rose 10%. The record is short: it first reported in 2022, with 11 loans, and made 23 in 2023. Whether 2025 marks a new level or one good year is an open question.
All its lending is in Urban Honolulu, where it ranked 29 of 223 lenders with 0.6% of the dollars lent, up from 0.1%. Bank of Hawaii led the market. Every one of its loans was in a majority-minority neighborhood, against 31.5% for similar lenders. That may simply reflect the make-up of the single county it serves.
Its typical loan was $635,000, against $400,000 for similar lenders, larger than about three in four of them. It made no government-backed loans, and 85.7% of its lending was for home purchases. Its share of loans to low- and moderate-income borrowers, 21.4%, sat near the middle of its peers.
None of its loans was higher-priced, meaning a rate well above the average for similar loans; at similar lenders 2.5% were. Its typical rate was 6.12%, against 6.62%, lower than about four in five similar lenders. A book of large conventional purchase loans could account for that.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage Hawaii took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.7% · Refinance 12.9% · Home improvement 1.4%
Conventional 100.0% · of 70 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 | 70 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Urban Honolulu | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900H7HJWLRJUBQ485 | 2022–2025 |
Established 21 April 2022. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Mortgage Hawaii's data.
Mortgage Hawaii's data
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Mortgage Hawaii 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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