# Bank of Hawaii

> **Canonical URL:** https://saferate.com/lenders/bank-of-hawaii


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bank of Hawaii is a bank, headquartered in Honolulu, HI, with 357 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** XJCRTTYJVBMA22IXL619
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 3
- **Primary Channel:** mix
- **Direct Origination:** 73.2%
- **Brokered/Wholesale:** 26.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.177%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,032
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 357
- **Dollar Volume:** $238 million
- **Applications Received:** 609
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $667,577
- **Average Borrower Income:** $302,356
- **Average Property Value:** $1,091,106

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 296 | +0.209% | $4,362 | Strong 😀 |
| Jumbo | 77/100 | 48 | +0.146% | $1,447 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 238 loans, Score: 64/100 (Strong)
- Refinance: 58 loans, Score: 63/100 (Strong)

**Jumbo:**
- Purchase: 42 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 288 | $202M | +0.209% | Strong 😀 |
| Refinance | 65/100 | 69 | $36M | +0.040% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 357 | 3.94% | 98/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 272 | 97/100 |
| Non |  | 51 | 45/100 |
| Kahului | HI | 34 | 82/100 |

## Where This Lender Ranks

Bank of Hawaii appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Urban Honolulu, HI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Urban Honolulu, HI for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Urban Honolulu, HI Banks
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks)
- 🥉 **#3** in Kahului Banks
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks)
- 🏆 **#5** in Hawaii for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Hawaii for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Urban Honolulu, HI for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Urban Honolulu, HI for Jumbo Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Kahului for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Hawaii Banks
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks)
- 🏆 **#7** in Kahului
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders)
- 🏆 **#8** in Hawaii for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Urban Honolulu, HI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Urban Honolulu, HI
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders)
- 🏆 **#13** in Hawaii for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Urban Honolulu, HI for FHA Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Hawaii
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders)
- 🏆 **#18** in Hawaii for FHA Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Kahului for Conventional Loans
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Bank of Hawaii offer?

Bank of Hawaii offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bank of Hawaii offer mortgages?

Bank of Hawaii offers mortgages in 1 states: HI.

### How competitive are Bank of Hawaii's mortgage rates?

Bank of Hawaii has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.177% above market average.

### What type of lender is Bank of Hawaii?

Bank of Hawaii is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Honolulu, HI.

### What is Bank of Hawaii's loan approval success rate?

Bank of Hawaii has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bank-of-hawaii

### How to Cite

> "Bank of Hawaii Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-of-hawaii

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