Bank of Hawaii has 357 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Superstar
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
296 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
Jumbo
48 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
288 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
Refinance
69 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 296 | 82.9% | +0.209%Above | $4,362Fees | ||||
Jumbo Loans | 48 | 13.4% | +0.146%Above | $1,447Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume296
Mix82.9%
Spread
+0.209%Above
Fees
$4,362Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix13.4%
Spread
+0.146%Above
Fees
$1,447Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 288 | 80.7% | +0.209%Above | $3,877Fees | ||||
Refinance | 69 | 19.3% | +0.040%Above | $4,684Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume288
Mix80.7%
Spread
+0.209%Above
Fees
$3,877Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
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
1Full-year 2024 · HMDALoans originated
All statesNone
West1
HI
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.