# Central Pacific Bank

> **Canonical URL:** https://saferate.com/lenders/central-pacific-bank


> **📋 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


Central Pacific Bank is a bank, headquartered in Honolulu, HI, with 204 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005R24FV5DFFXW42
- **Headquarters:** Honolulu, HI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** HI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 87%
- **Brokered/Wholesale:** 13%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.280%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,506
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 204
- **Dollar Volume:** $130 million
- **Applications Received:** 346
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $638,382
- **Average Borrower Income:** $215,804
- **Average Property Value:** $1,018,873

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 178 | +0.296% | $3,500 | Sound ☺️ |
| Jumbo | 71/100 | 22 | +0.325% | $3,205 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 156 loans, Score: 58/100 (Sound)
- Refinance: 22 loans, Score: 44/100 (Sound)

**Jumbo:**
- Purchase: 20 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 180 | $114M | +0.256% | Sound ☺️ |
| Refinance | 45/100 | 24 | $16M | +0.447% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 204 | 2.25% | 91/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Urban Honolulu, HI | HI | 170 | 91/100 |
| Non |  | 22 | 34/100 |
| Kahului | HI | 12 | 49/100 |

## Where This Lender Ranks

Central Pacific Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Kahului for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Urban Honolulu, HI for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Urban Honolulu, HI Banks
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/banks)
- 🏆 **#10** in Hawaii for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** 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 for Jumbo Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#14** in Hawaii Banks
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks)
- 🏆 **#14** in Hawaii for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Hawaii for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Central Pacific Bank offer?

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

### Where does Central Pacific Bank offer mortgages?

Central Pacific Bank offers mortgages in 1 states: HI.

### How competitive are Central Pacific Bank's mortgage rates?

Central Pacific Bank has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.280% above market average.

### What type of lender is Central Pacific Bank?

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

### What is Central Pacific Bank's loan approval success rate?

Central Pacific Bank has a pull-through score of 63/100 (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/central-pacific-bank

### How to Cite

> "Central Pacific Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/central-pacific-bank

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