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First Hawaiian Bank
Bank|Honolulu, HI|Single State
Loans Originated
358
Applications
599
Volume
$231 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.293%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,238
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.8%
Percentage of applications that result in closed loans
Safe Rate's 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 ($5,238)
Report Card
First Hawaiian Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Single State · 3 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$646,816
Average Borrower Income
$262,168
Average Property Value
$1,046,732
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 316 | 88.3% | +0.292% | $5,254 |
Jumbo Loans | Strong | Strong | N/A | Strong | 39 | 10.9% | +0.453% | $5,431 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 317 | 88.5% | +0.299% | $5,327 |
Refinance | Sound | Sound | N/A | Sound | 41 | 11.5% | +0.184% | $3,695 |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
HI
Top Metro Areas by Place Specialization Score
1
Urban Honolulu, HI, HIMSA
Volume: 248Mix: 69.27%
Place Specialization
Exceptional
2
Kahului, HIMSA
Volume: 44Mix: 12.29%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
HIState
Volume: 358Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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