Safe Rate Rankings

Best Bank Mortgage Lenders in Urban Honolulu

Updated February 5, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ 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.
Total Lenders8
Total Loans1,333
Median Rate Spread-0.02%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Ameris BankBank
Strong
Sound
Exceptional
Strong
$2,980Fees
0.047%Below
58
2
American Savings Bank, FSBBank
Strong
Acceptable
Exceptional
Exceptional
$3,477Fees
0.052%Below
328
3
Bank of HawaiiBank
Strong
Acceptable
Strong
Exceptional
$3,948Fees
0.188%Above
272
4
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Sound
$2,979Fees
0.092%Below
20
5
Territorial Savings BankBank
Strong
Acceptable
Sound
Exceptional
$5,921Fees
0.337%Below
85
6
Plains Commerce BankBank
Strong
Acceptable
Strong
Strong
$2,183Fees
0.021%Above
48
7
First Hawaiian BankBank
Sound
Mediocre
Strong
Exceptional
$5,253Fees
0.241%Above
248
8
Central Pacific BankBank
Sound
Mediocre
Strong
Exceptional
$3,432Fees
0.281%Above
170

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
Place
Local market expertise (33%)

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.