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Bank of Hawaii

BankHonolulu, HIHQDirect & WholesaleReviews near you on Google

Bank of Hawaii has 357 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Exceptional
5/5
Single State · 2 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,032)

Explore another lender or local market

Report Card

Bank of Hawaii performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+17.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume296
Mix82.9%
Spread
+0.209%Above
Fees
$4,362Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume48
Mix13.4%
Spread
+0.146%Above
Fees
$1,447Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume288
Mix80.7%
Spread
+0.209%Above
Fees
$3,877Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume69
Mix19.3%
Spread
+0.040%Above
Fees
$4,684Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
357
Applications
609
Volume
$238 million
Pricing & Closing
Avg Rate Spread
+0.177%
vs. market APOR
Avg Net Fees
$4,032
Origination − Credits
Pullthrough Rate
58.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$667,577
Avg Borrower Income
$302,356
Avg Property Value
$1,091,106

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
HI

Top Metro Areas by Place Specialization Score

1© Edmund Garman · CC BY 2.0
Urban Honolulu, HIMetro
Volume 272Mix 76.19% of portfolio
97/100
Exceptional
Volume 34Mix 9.52% of portfolio
82/100
Exceptional

Top States by Place Specialization Score

Hawaii
Hawaii
1
HawaiiState
Volume 357Mix 100.00% of portfolio
98/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.