Top Mortgage Lenders in Urban Honolulu, HI

Which mortgage lender in the Urban Honolulu, HI area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Urban Honolulu, HI area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Urban Honolulu, HI area in terms of interest rate is Ameris Bank, with an average “Rate Difference” of -0.15%. This means that, comparing similar borrowers, Ameris Bank provided a -0.15% lower interest rate for its customers than other lenders in the area. Ameris Bank has a market share of 0.9%. On the other hand, the most popular lender in the Urban Honolulu, HI area is Bank of Hawaii, with a larger market share of 8.0%. Bank of Hawaii is also a relatively cheap lender, with a “Rate Difference” of -0.13% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Urban Honolulu, HI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Urban Honolulu, HI is Territorial Savings Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bank of Hawaii. The cheapest VA mortgage provider is Plaza Home Mortgage. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Urban Honolulu, HI

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.15%	(4.5)	0.88%
Territorial Savings Bank	-0.13%	(4.0)	1.56%
loanDepot	-0.13%	(4.0)	6.12%
Bank of Hawaii	-0.13%	(4.0)	7.99%
DHI Mortgage Company Limited	-0.11%	(4.0)	1.53%
Plaza Home Mortgage	-0.09%	(4.0)	1.36%
Aloha Pacific Federal Credit Union	-0.09%	(4.0)	0.35%
Central Pacific Bank	-0.09%	(4.0)	4.95%
Hawaiian Financial FCU	-0.08%	(4.0)	0.45%
Sovereign Lending Group	-0.07%	(4.0)	0.21%
Hawaii State Federal Credit Union	-0.07%	(4.0)	1.54%
Home Point Financial Corporation	-0.07%	(4.0)	1.78%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.27%
American Savings Bank	-0.07%	(4.0)	5.49%
NBKC Bank	-0.06%	(4.0)	0.73%
Navy Federal Credit Union	-0.06%	(4.0)	1.36%
Primary Residential Mortgage Inc	-0.04%	(3.5)	1.21%
Bank of America	-0.03%	(3.5)	0.42%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	1.99%
US Bank	-0.02%	(3.5)	0.45%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.26%
Caliber Home Loans	-0.01%	(3.5)	5.17%
Wells Fargo Bank	-0.00%	(3.5)	2.82%
CMG Financial	0.00%	(3.5)	0.77%
Guaranteed Rate	0.00%	(3.5)	2.46%
Stearns Home Loans	0.00%	(3.5)	1.33%
Finance of America Mortgage	0.02%	(3.5)	1.28%
JPMorgan Chase Bank	0.02%	(3.5)	0.41%
Freedom Mortgage Corporation	0.02%	(3.5)	3.58%
Mr. Cooper	0.02%	(3.5)	0.30%
Bay Equity Home Loans	0.02%	(3.5)	0.20%
PRMG Mortgage	0.03%	(3.5)	0.26%
Compass Hawaii Home Loans	0.03%	(3.5)	2.71%
Cardinal Financial Company	0.04%	(3.5)	1.78%
First Hawaiian Bank	0.04%	(3.5)	5.63%
HighTechLending	0.05%	(3.5)	1.37%
Flagstar Bank	0.05%	(3.0)	0.48%
PennyMac Loan Services	0.06%	(3.0)	0.87%
American Pacific Mortgage	0.06%	(3.0)	4.03%
HomeBridge Financial Services	0.06%	(3.0)	3.77%
Land Home Financial Services	0.07%	(3.0)	1.05%
V.I.P. Mortgage Inc	0.07%	(3.0)	1.04%
USAA	0.07%	(3.0)	0.77%
Mann Mortgage	0.07%	(3.0)	0.27%
Movement Mortgage	0.08%	(3.0)	0.75%
Doorway Home Loans	0.08%	(3.0)	0.45%
Castle & Cooke Mortgage	0.08%	(3.0)	1.24%
Carrington Mortgage Services	0.10%	(3.0)	0.35%
American Financing	0.12%	(3.0)	0.31%
Nations Lending Corporation	0.12%	(3.0)	0.21%
Guild Mortgage Company	0.12%	(3.0)	2.56%
Axia Home Loans	0.14%	(3.0)	1.13%
HomeStreet Bank	0.17%	(2.5)	1.47%
Quicken Loans	0.17%	(2.5)	6.43%
PrimeLending	0.18%	(2.5)	0.99%
Premier Mortgage Resources	0.20%	(2.5)	0.47%
The Federal Savings Bank	0.27%	(2.0)	0.44%

Lender Name	Rate Difference	Rate Rating	Market Share
Territorial Savings Bank	-0.15%	(4.0)	1.35%
Bank of Hawaii	-0.14%	(4.0)	7.10%
Ameris Bank	-0.14%	(4.0)	0.46%
Bank of America	-0.12%	(4.0)	0.49%
loanDepot	-0.12%	(4.0)	3.79%
DHI Mortgage Company Limited	-0.12%	(4.0)	2.91%
Home Point Financial Corporation	-0.12%	(4.0)	1.36%
Hawaiian Financial FCU	-0.09%	(4.0)	0.30%
Navy Federal Credit Union	-0.09%	(4.0)	1.85%
NBKC Bank	-0.09%	(4.0)	0.49%
Central Pacific Bank	-0.08%	(4.0)	6.08%
Hawaii State Federal Credit Union	-0.08%	(4.0)	0.97%
Wells Fargo Bank	-0.06%	(4.0)	3.40%
US Bank	-0.06%	(4.0)	0.49%
Freedom Mortgage Corporation	-0.05%	(3.5)	4.74%
American Savings Bank	-0.05%	(3.5)	5.67%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	2.41%
Primary Residential Mortgage Inc	-0.03%	(3.5)	0.89%
Aloha Pacific Federal Credit Union	-0.03%	(3.5)	0.17%
PennyMac Loan Services	-0.03%	(3.5)	0.33%
Caliber Home Loans	-0.02%	(3.5)	5.28%
Finance of America Mortgage	-0.02%	(3.5)	1.55%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.22%
JPMorgan Chase Bank	-0.01%	(3.5)	0.38%
Bay Equity Home Loans	-0.00%	(3.5)	0.25%
CMG Financial	-0.00%	(3.5)	1.01%
Stearns Home Loans	0.01%	(3.5)	1.20%
Plaza Home Mortgage	0.01%	(3.5)	0.86%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.01%
PRMG Mortgage	0.01%	(3.5)	0.35%
Mr. Cooper	0.02%	(3.5)	0.39%
The Federal Savings Bank	0.02%	(3.5)	0.02%
Guaranteed Rate	0.03%	(3.5)	2.62%
Nations Lending Corporation	0.03%	(3.5)	0.07%
American Financing	0.04%	(3.5)	0.08%
Compass Hawaii Home Loans	0.04%	(3.5)	3.38%
HighTechLending	0.04%	(3.5)	1.16%
HomeBridge Financial Services	0.05%	(3.5)	4.13%
Mann Mortgage	0.05%	(3.5)	0.20%
Carrington Mortgage Services	0.05%	(3.5)	0.13%
Cardinal Financial Company	0.05%	(3.0)	2.21%
USAA	0.06%	(3.0)	0.97%
V.I.P. Mortgage Inc	0.06%	(3.0)	1.49%
Quicken Loans	0.07%	(3.0)	3.27%
Flagstar Bank	0.07%	(3.0)	0.47%
Land Home Financial Services	0.07%	(3.0)	0.91%
Movement Mortgage	0.09%	(3.0)	0.99%
Castle & Cooke Mortgage	0.09%	(3.0)	1.37%
Doorway Home Loans	0.10%	(3.0)	0.52%
First Hawaiian Bank	0.11%	(3.0)	6.16%
Guild Mortgage Company	0.14%	(3.0)	2.98%
Axia Home Loans	0.15%	(2.5)	1.80%
HomeStreet Bank	0.15%	(2.5)	2.11%
American Pacific Mortgage	0.15%	(2.5)	3.99%
PrimeLending	0.20%	(2.5)	1.43%
Premier Mortgage Resources	0.21%	(2.5)	0.78%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.15%	(4.5)	1.33%
Plaza Home Mortgage	-0.13%	(4.0)	1.90%
loanDepot	-0.13%	(4.0)	8.65%
Territorial Savings Bank	-0.11%	(4.0)	1.79%
Bank of Hawaii	-0.11%	(4.0)	8.94%
Aloha Pacific Federal Credit Union	-0.10%	(4.0)	0.56%
Central Pacific Bank	-0.09%	(4.0)	3.73%
American Savings Bank	-0.09%	(4.0)	5.29%
Hawaiian Financial FCU	-0.07%	(4.0)	0.61%
Sovereign Lending Group	-0.07%	(4.0)	0.44%
Hawaii State Federal Credit Union	-0.07%	(4.0)	2.15%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.54%
First Hawaiian Bank	-0.06%	(4.0)	5.06%
Primary Residential Mortgage Inc	-0.05%	(4.0)	1.56%
NBKC Bank	-0.04%	(3.5)	0.98%
Home Point Financial Corporation	-0.04%	(3.5)	2.23%
American Pacific Mortgage	-0.03%	(3.5)	4.07%
Guaranteed Rate	-0.03%	(3.5)	2.28%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	1.54%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	0.30%
CMG Financial	-0.00%	(3.5)	0.50%
Stearns Home Loans	-0.00%	(3.5)	1.46%
Compass Hawaii Home Loans	0.00%	(3.5)	1.98%
Cardinal Financial Company	0.01%	(3.5)	1.31%
Caliber Home Loans	0.01%	(3.5)	5.05%
DHI Mortgage Company Limited	0.01%	(3.5)	0.02%
US Bank	0.02%	(3.5)	0.40%
Navy Federal Credit Union	0.02%	(3.5)	0.84%
Mr. Cooper	0.03%	(3.5)	0.19%
Flagstar Bank	0.04%	(3.5)	0.50%
JPMorgan Chase Bank	0.04%	(3.5)	0.45%
HighTechLending	0.05%	(3.0)	1.60%
Doorway Home Loans	0.06%	(3.0)	0.36%
Movement Mortgage	0.06%	(3.0)	0.50%
Bay Equity Home Loans	0.06%	(3.0)	0.16%
PRMG Mortgage	0.06%	(3.0)	0.17%
Land Home Financial Services	0.06%	(3.0)	1.20%
V.I.P. Mortgage Inc	0.06%	(3.0)	0.54%
Premier Mortgage Resources	0.07%	(3.0)	0.13%
Castle & Cooke Mortgage	0.07%	(3.0)	1.09%
Finance of America Mortgage	0.07%	(3.0)	0.99%
USAA	0.08%	(3.0)	0.56%
PennyMac Loan Services	0.08%	(3.0)	1.45%
Axia Home Loans	0.09%	(3.0)	0.40%
HomeBridge Financial Services	0.09%	(3.0)	3.38%
PrimeLending	0.09%	(3.0)	0.51%
Mann Mortgage	0.09%	(3.0)	0.34%
Guild Mortgage Company	0.09%	(3.0)	2.11%
Wells Fargo Bank	0.10%	(3.0)	2.18%
Bank of America	0.10%	(3.0)	0.35%
Carrington Mortgage Services	0.12%	(3.0)	0.58%
American Financing	0.13%	(3.0)	0.56%
Nations Lending Corporation	0.14%	(3.0)	0.36%
Freedom Mortgage Corporation	0.17%	(2.5)	2.31%
HomeStreet Bank	0.20%	(2.5)	0.77%
Quicken Loans	0.21%	(2.5)	9.86%
The Federal Savings Bank	0.28%	(2.0)	0.90%

Lender Name	Rate Difference	Rate Rating	Market Share
Territorial Savings Bank	-0.16%	(4.5)	2.16%
Bank of Hawaii	-0.15%	(4.5)	9.39%
DHI Mortgage Company Limited	-0.15%	(4.0)	1.34%
Home Point Financial Corporation	-0.12%	(4.0)	0.95%
Ameris Bank	-0.12%	(4.0)	0.34%
loanDepot	-0.11%	(4.0)	5.91%
Central Pacific Bank	-0.10%	(4.0)	6.20%
Aloha Pacific Federal Credit Union	-0.09%	(4.0)	0.56%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.35%
Hawaiian Financial FCU	-0.08%	(4.0)	0.70%
Hawaii State Federal Credit Union	-0.08%	(4.0)	2.24%
American Savings Bank	-0.07%	(4.0)	7.26%
NBKC Bank	-0.07%	(4.0)	0.86%
Primary Residential Mortgage Inc	-0.05%	(4.0)	1.62%
US Bank	-0.04%	(3.5)	0.52%
Bank of America	-0.03%	(3.5)	0.48%
Cardinal Financial Company	-0.03%	(3.5)	0.52%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.32%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	1.88%
Caliber Home Loans	-0.02%	(3.5)	5.50%
CMG Financial	-0.01%	(3.5)	0.52%
Guaranteed Rate	-0.01%	(3.5)	1.74%
Sovereign Lending Group	-0.00%	(3.5)	0.04%
JPMorgan Chase Bank	0.01%	(3.5)	0.50%
Wells Fargo Bank	0.01%	(3.5)	3.51%
Mr. Cooper	0.02%	(3.5)	0.14%
Compass Hawaii Home Loans	0.02%	(3.5)	2.84%
The Federal Savings Bank	0.02%	(3.5)	0.05%
Stearns Home Loans	0.02%	(3.5)	0.86%
Bay Equity Home Loans	0.03%	(3.5)	0.22%
USAA	0.03%	(3.5)	0.28%
PRMG Mortgage	0.03%	(3.5)	0.29%
Plaza Home Mortgage	0.03%	(3.5)	0.83%
Finance of America Mortgage	0.04%	(3.5)	1.33%
First Hawaiian Bank	0.04%	(3.5)	7.50%
Land Home Financial Services	0.05%	(3.5)	0.12%
Mann Mortgage	0.05%	(3.5)	0.16%
HighTechLending	0.06%	(3.0)	1.51%
Freedom Mortgage Corporation	0.06%	(3.0)	2.67%
Flagstar Bank	0.07%	(3.0)	0.61%
V.I.P. Mortgage Inc	0.07%	(3.0)	1.42%
PennyMac Loan Services	0.07%	(3.0)	0.46%
Doorway Home Loans	0.08%	(3.0)	0.26%
Navy Federal Credit Union	0.08%	(3.0)	0.63%
HomeBridge Financial Services	0.08%	(3.0)	2.68%
Movement Mortgage	0.09%	(3.0)	0.63%
Carrington Mortgage Services	0.10%	(3.0)	0.21%
Castle & Cooke Mortgage	0.10%	(3.0)	1.02%
American Pacific Mortgage	0.11%	(3.0)	0.58%
Axia Home Loans	0.15%	(3.0)	1.50%
Guild Mortgage Company	0.15%	(3.0)	2.65%
Nations Lending Corporation	0.17%	(2.5)	0.19%
American Financing	0.18%	(2.5)	0.29%
Quicken Loans	0.18%	(2.5)	9.12%
HomeStreet Bank	0.19%	(2.5)	1.47%
PrimeLending	0.20%	(2.5)	1.34%
Premier Mortgage Resources	0.21%	(2.5)	0.70%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of Hawaii	-0.18%	(4.5)	7.84%
Bank of America	-0.16%	(4.5)	0.53%
DHI Mortgage Company Limited	-0.15%	(4.5)	2.52%
Territorial Savings Bank	-0.15%	(4.5)	2.04%
Home Point Financial Corporation	-0.15%	(4.0)	1.00%
loanDepot	-0.13%	(4.0)	3.96%
NBKC Bank	-0.10%	(4.0)	0.53%
Hawaiian Financial FCU	-0.09%	(4.0)	0.48%
Central Pacific Bank	-0.09%	(4.0)	7.49%
Hawaii State Federal Credit Union	-0.09%	(4.0)	1.36%
US Bank	-0.09%	(4.0)	0.56%
Ameris Bank	-0.07%	(4.0)	0.18%
Wells Fargo Bank	-0.05%	(4.0)	3.91%
American Savings Bank	-0.05%	(3.5)	7.22%
JPMorgan Chase Bank	-0.04%	(3.5)	0.37%
Primary Residential Mortgage Inc	-0.04%	(3.5)	1.07%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	2.45%
Aloha Pacific Federal Credit Union	-0.03%	(3.5)	0.26%
Academy Mortgage Corporation Utah	-0.03%	(3.5)	0.23%
CMG Financial	-0.02%	(3.5)	0.69%
PennyMac Loan Services	-0.02%	(3.5)	0.32%
Caliber Home Loans	-0.02%	(3.5)	6.09%
Cardinal Financial Company	-0.01%	(3.5)	0.63%
Bay Equity Home Loans	-0.00%	(3.5)	0.25%
Plaza Home Mortgage	-0.00%	(3.5)	0.79%
Finance of America Mortgage	0.00%	(3.5)	1.59%
Guaranteed Rate	0.01%	(3.5)	2.18%
Mr. Cooper	0.01%	(3.5)	0.02%
USAA	0.01%	(3.5)	0.35%
Stearns Home Loans	0.01%	(3.5)	0.90%
PRMG Mortgage	0.01%	(3.5)	0.39%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.02%
The Federal Savings Bank	0.02%	(3.5)	0.04%
Freedom Mortgage Corporation	0.02%	(3.5)	3.42%
Mann Mortgage	0.04%	(3.5)	0.16%
Nations Lending Corporation	0.04%	(3.5)	0.04%
Compass Hawaii Home Loans	0.05%	(3.5)	3.77%
Land Home Financial Services	0.05%	(3.5)	0.14%
HighTechLending	0.06%	(3.0)	1.44%
American Financing	0.07%	(3.0)	0.07%
V.I.P. Mortgage Inc	0.07%	(3.0)	1.95%
Carrington Mortgage Services	0.07%	(3.0)	0.11%
Quicken Loans	0.07%	(3.0)	4.40%
Flagstar Bank	0.08%	(3.0)	0.67%
Doorway Home Loans	0.09%	(3.0)	0.35%
Movement Mortgage	0.09%	(3.0)	0.77%
HomeBridge Financial Services	0.10%	(3.0)	3.21%
Navy Federal Credit Union	0.11%	(3.0)	0.70%
American Pacific Mortgage	0.11%	(3.0)	0.69%
Castle & Cooke Mortgage	0.11%	(3.0)	1.11%
First Hawaiian Bank	0.13%	(3.0)	8.33%
Axia Home Loans	0.16%	(2.5)	2.31%
HomeStreet Bank	0.17%	(2.5)	2.15%
Guild Mortgage Company	0.18%	(2.5)	2.96%
Premier Mortgage Resources	0.23%	(2.5)	1.16%
PrimeLending	0.23%	(2.5)	1.85%

Lender Name	Rate Difference	Rate Rating	Market Share
Territorial Savings Bank	-0.16%	(4.5)	2.29%
Ameris Bank	-0.13%	(4.0)	0.53%
Bank of Hawaii	-0.13%	(4.0)	11.12%
Central Pacific Bank	-0.12%	(4.0)	4.78%
Aloha Pacific Federal Credit Union	-0.11%	(4.0)	0.88%
American Savings Bank	-0.10%	(4.0)	7.31%
Home Point Financial Corporation	-0.09%	(4.0)	0.88%
loanDepot	-0.09%	(4.0)	8.07%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.72%
First Hawaiian Bank	-0.08%	(4.0)	6.58%
Hawaiian Financial FCU	-0.08%	(4.0)	0.96%
Hawaii State Federal Credit Union	-0.07%	(4.0)	3.23%
Primary Residential Mortgage Inc	-0.06%	(4.0)	2.23%
NBKC Bank	-0.06%	(4.0)	1.23%
Cardinal Financial Company	-0.05%	(4.0)	0.39%
Guaranteed Rate	-0.04%	(3.5)	1.25%
Compass Hawaii Home Loans	-0.04%	(3.5)	1.80%
Caliber Home Loans	-0.02%	(3.5)	4.84%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.41%
CMG Financial	-0.01%	(3.5)	0.33%
Sovereign Lending Group	-0.00%	(3.5)	0.08%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	1.25%
DHI Mortgage Company Limited	0.00%	(3.5)	0.02%
US Bank	0.01%	(3.5)	0.47%
Mr. Cooper	0.02%	(3.5)	0.27%
The Federal Savings Bank	0.02%	(3.5)	0.06%
Land Home Financial Services	0.04%	(3.5)	0.10%
Stearns Home Loans	0.04%	(3.5)	0.82%
Navy Federal Credit Union	0.04%	(3.5)	0.55%
JPMorgan Chase Bank	0.04%	(3.5)	0.65%
HomeBridge Financial Services	0.05%	(3.0)	2.10%
Doorway Home Loans	0.05%	(3.0)	0.16%
Flagstar Bank	0.05%	(3.0)	0.55%
Mann Mortgage	0.06%	(3.0)	0.16%
V.I.P. Mortgage Inc	0.07%	(3.0)	0.82%
HighTechLending	0.07%	(3.0)	1.59%
USAA	0.07%	(3.0)	0.20%
Bay Equity Home Loans	0.07%	(3.0)	0.20%
PRMG Mortgage	0.07%	(3.0)	0.18%
Castle & Cooke Mortgage	0.07%	(3.0)	0.92%
Plaza Home Mortgage	0.07%	(3.0)	0.86%
Premier Mortgage Resources	0.07%	(3.0)	0.20%
Axia Home Loans	0.09%	(3.0)	0.61%
PrimeLending	0.09%	(3.0)	0.76%
Movement Mortgage	0.10%	(3.0)	0.47%
Finance of America Mortgage	0.10%	(3.0)	1.04%
Wells Fargo Bank	0.10%	(3.0)	3.07%
Guild Mortgage Company	0.10%	(3.0)	2.31%
Carrington Mortgage Services	0.11%	(3.0)	0.33%
American Pacific Mortgage	0.11%	(3.0)	0.47%
PennyMac Loan Services	0.13%	(3.0)	0.63%
Bank of America	0.13%	(3.0)	0.43%
Freedom Mortgage Corporation	0.14%	(3.0)	1.84%
Nations Lending Corporation	0.19%	(2.5)	0.37%
American Financing	0.20%	(2.5)	0.53%
Quicken Loans	0.22%	(2.5)	14.38%
HomeStreet Bank	0.25%	(2.5)	0.72%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of Hawaii	-0.18%	(4.5)	4.12%
loanDepot	-0.12%	(4.0)	9.00%
Central Pacific Bank	-0.11%	(4.0)	1.63%
Caliber Home Loans	-0.09%	(4.0)	3.15%
Stearns Home Loans	-0.07%	(4.0)	3.47%
Freedom Mortgage Corporation	-0.06%	(4.0)	7.48%
HomeBridge Financial Services	-0.03%	(3.5)	5.10%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.33%
Finance of America Mortgage	-0.02%	(3.5)	0.87%
PennyMac Loan Services	-0.02%	(3.5)	0.76%
Flagstar Bank	-0.02%	(3.5)	0.43%
Home Point Financial Corporation	-0.01%	(3.5)	1.63%
Primary Residential Mortgage Inc	-0.01%	(3.5)	0.33%
Mr. Cooper	-0.01%	(3.5)	0.54%
Quicken Loans	-0.00%	(3.5)	5.64%
Navy Federal Credit Union	-0.00%	(3.5)	0.11%
Academy Mortgage Corporation Utah	-0.00%	(3.5)	0.11%
NBKC Bank	-0.00%	(3.5)	0.11%
Ameris Bank	0.00%	(3.5)	0.43%
The Federal Savings Bank	0.00%	(3.5)	0.22%
Premier Mortgage Resources	0.01%	(3.5)	0.11%
DHI Mortgage Company Limited	0.01%	(3.5)	2.49%
HighTechLending	0.01%	(3.5)	5.86%
American Financing	0.01%	(3.5)	1.84%
PrimeLending	0.01%	(3.5)	0.22%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	2.49%
Bank of America	0.01%	(3.5)	0.11%
Plaza Home Mortgage	0.01%	(3.5)	3.58%
Guaranteed Rate	0.01%	(3.5)	0.65%
Bay Equity Home Loans	0.01%	(3.5)	0.33%
American Pacific Mortgage	0.02%	(3.5)	0.54%
Nations Lending Corporation	0.02%	(3.5)	0.87%
CMG Financial	0.02%	(3.5)	0.76%
Cardinal Financial Company	0.03%	(3.5)	1.74%
V.I.P. Mortgage Inc	0.04%	(3.5)	1.30%
Doorway Home Loans	0.04%	(3.5)	0.43%
Castle & Cooke Mortgage	0.04%	(3.5)	3.36%
Compass Hawaii Home Loans	0.07%	(3.0)	1.74%
Guild Mortgage Company	0.08%	(3.0)	9.00%
Mann Mortgage	0.08%	(3.0)	1.84%
Carrington Mortgage Services	0.08%	(3.0)	2.17%
Movement Mortgage	0.10%	(3.0)	3.69%
HomeStreet Bank	0.13%	(3.0)	7.81%
Axia Home Loans	0.13%	(3.0)	1.63%

Lender Name	Rate Difference	Rate Rating	Market Share
loanDepot	-0.15%	(4.5)	7.75%
Central Pacific Bank	-0.11%	(4.0)	2.64%
Caliber Home Loans	-0.11%	(4.0)	3.87%
Bank of Hawaii	-0.11%	(4.0)	2.82%
Freedom Mortgage Corporation	-0.09%	(4.0)	8.10%
Stearns Home Loans	-0.07%	(4.0)	3.52%
HomeBridge Financial Services	-0.06%	(4.0)	5.81%
Cardinal Financial Company	-0.05%	(3.5)	0.70%
PennyMac Loan Services	-0.04%	(3.5)	0.53%
Quicken Loans	-0.03%	(3.5)	3.52%
Home Point Financial Corporation	-0.02%	(3.5)	2.11%
Finance of America Mortgage	-0.02%	(3.5)	0.88%
Primary Residential Mortgage Inc	-0.02%	(3.5)	0.35%
Flagstar Bank	-0.01%	(3.5)	0.18%
Ameris Bank	-0.01%	(3.5)	0.18%
HighTechLending	-0.01%	(3.5)	2.46%
Mr. Cooper	-0.01%	(3.5)	0.88%
Carrington Mortgage Services	-0.01%	(3.5)	0.35%
Navy Federal Credit Union	-0.00%	(3.5)	0.18%
Academy Mortgage Corporation Utah	-0.00%	(3.5)	0.18%
NBKC Bank	-0.00%	(3.5)	0.18%
American Financing	0.00%	(3.5)	0.53%
Premier Mortgage Resources	0.00%	(3.5)	0.18%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	2.99%
DHI Mortgage Company Limited	0.01%	(3.5)	4.05%
PrimeLending	0.01%	(3.5)	0.35%
Bank of America	0.01%	(3.5)	0.18%
Nations Lending Corporation	0.01%	(3.5)	0.53%
Bay Equity Home Loans	0.01%	(3.5)	0.53%
American Pacific Mortgage	0.02%	(3.5)	0.88%
Guaranteed Rate	0.02%	(3.5)	0.53%
Plaza Home Mortgage	0.04%	(3.5)	3.35%
CMG Financial	0.04%	(3.5)	0.88%
Castle & Cooke Mortgage	0.04%	(3.5)	4.23%
Doorway Home Loans	0.04%	(3.5)	0.70%
V.I.P. Mortgage Inc	0.05%	(3.5)	1.76%
Mann Mortgage	0.05%	(3.5)	0.70%
Compass Hawaii Home Loans	0.07%	(3.0)	2.46%
Guild Mortgage Company	0.09%	(3.0)	11.27%
Movement Mortgage	0.11%	(3.0)	5.63%
HomeStreet Bank	0.13%	(3.0)	8.63%
Axia Home Loans	0.14%	(3.0)	2.46%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of Hawaii	-0.23%	(4.5)	6.21%
loanDepot	-0.08%	(4.0)	11.02%
Stearns Home Loans	-0.06%	(4.0)	3.39%
Caliber Home Loans	-0.02%	(3.5)	1.98%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.85%
Plaza Home Mortgage	-0.02%	(3.5)	3.95%
Flagstar Bank	-0.02%	(3.5)	0.85%
Finance of America Mortgage	-0.01%	(3.5)	0.85%
V.I.P. Mortgage Inc	-0.01%	(3.5)	0.56%
Movement Mortgage	-0.01%	(3.5)	0.56%
CMG Financial	-0.00%	(3.5)	0.56%
Primary Residential Mortgage Inc	-0.00%	(3.5)	0.28%
PennyMac Loan Services	0.00%	(3.5)	1.13%
The Federal Savings Bank	0.01%	(3.5)	0.56%
Ameris Bank	0.01%	(3.5)	0.85%
Freedom Mortgage Corporation	0.01%	(3.5)	6.50%
Guaranteed Rate	0.01%	(3.5)	0.85%
Home Point Financial Corporation	0.01%	(3.5)	0.85%
Compass Hawaii Home Loans	0.01%	(3.5)	0.56%
American Financing	0.01%	(3.5)	3.95%
Quicken Loans	0.01%	(3.5)	9.04%
HighTechLending	0.02%	(3.5)	11.30%
HomeBridge Financial Services	0.02%	(3.5)	3.95%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	1.69%
Guild Mortgage Company	0.03%	(3.5)	5.37%
Nations Lending Corporation	0.03%	(3.5)	1.41%
Axia Home Loans	0.03%	(3.5)	0.28%
Castle & Cooke Mortgage	0.05%	(3.0)	1.98%
Cardinal Financial Company	0.06%	(3.0)	3.39%
Mann Mortgage	0.09%	(3.0)	3.67%
Carrington Mortgage Services	0.09%	(3.0)	5.08%
HomeStreet Bank	0.13%	(3.0)	6.50%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.05%	(3.5)	9.23%
Bank of Hawaii	-0.03%	(3.5)	26.76%
American Savings Bank	-0.03%	(3.5)	14.00%
Bank of America	-0.02%	(3.5)	2.07%
Central Pacific Bank	0.01%	(3.5)	13.07%
CMG Financial	0.02%	(3.5)	0.10%
Aloha Pacific Federal Credit Union	0.02%	(3.5)	0.10%
Freedom Mortgage Corporation	0.02%	(3.5)	0.10%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.21%
Movement Mortgage	0.03%	(3.5)	0.10%
HomeStreet Bank	0.03%	(3.5)	0.21%
V.I.P. Mortgage Inc	0.03%	(3.5)	0.10%
Hawaii State Federal Credit Union	0.04%	(3.5)	1.76%
US Bank	0.04%	(3.5)	2.07%
First Hawaiian Bank	0.04%	(3.5)	16.18%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.10%
Hawaiian Financial FCU	0.04%	(3.5)	0.10%
Flagstar Bank	0.04%	(3.5)	0.10%
HighTechLending	0.04%	(3.5)	0.31%
Finance of America Mortgage	0.04%	(3.5)	0.31%
PRMG Mortgage	0.04%	(3.5)	0.10%
Compass Hawaii Home Loans	0.05%	(3.0)	0.21%
PrimeLending	0.05%	(3.0)	0.52%
Navy Federal Credit Union	0.05%	(3.0)	1.04%
Guild Mortgage Company	0.05%	(3.0)	0.62%
loanDepot	0.05%	(3.0)	0.31%
Quicken Loans	0.05%	(3.0)	1.35%
Territorial Savings Bank	0.06%	(3.0)	3.73%
Doorway Home Loans	0.06%	(3.0)	0.10%
Carrington Mortgage Services	0.06%	(3.0)	0.10%
Primary Residential Mortgage Inc	0.06%	(3.0)	0.10%
JPMorgan Chase Bank	0.06%	(3.0)	1.76%
Guaranteed Rate	0.06%	(3.0)	0.62%
HomeBridge Financial Services	0.07%	(3.0)	0.73%
Caliber Home Loans	0.08%	(3.0)	0.52%
Axia Home Loans	0.12%	(3.0)	1.14%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.07%	(4.0)	12.32%
Bank of Hawaii	-0.04%	(3.5)	27.50%
American Savings Bank	-0.03%	(3.5)	15.00%
Bank of America	-0.02%	(3.5)	2.32%
Territorial Savings Bank	0.03%	(3.5)	0.89%
Freedom Mortgage Corporation	0.03%	(3.5)	0.18%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.18%
Central Pacific Bank	0.03%	(3.5)	12.32%
HomeStreet Bank	0.04%	(3.5)	0.18%
V.I.P. Mortgage Inc	0.04%	(3.5)	0.18%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.18%
Flagstar Bank	0.04%	(3.5)	0.18%
HighTechLending	0.05%	(3.5)	0.54%
Finance of America Mortgage	0.05%	(3.5)	0.36%
US Bank	0.05%	(3.5)	1.96%
Quicken Loans	0.05%	(3.5)	0.54%
Hawaii State Federal Credit Union	0.05%	(3.5)	1.07%
PRMG Mortgage	0.05%	(3.0)	0.18%
First Hawaiian Bank	0.05%	(3.0)	13.57%
Navy Federal Credit Union	0.06%	(3.0)	1.07%
Compass Hawaii Home Loans	0.06%	(3.0)	0.36%
PrimeLending	0.06%	(3.0)	0.71%
Guild Mortgage Company	0.06%	(3.0)	0.89%
Doorway Home Loans	0.06%	(3.0)	0.18%
Carrington Mortgage Services	0.06%	(3.0)	0.18%
JPMorgan Chase Bank	0.07%	(3.0)	2.32%
HomeBridge Financial Services	0.07%	(3.0)	1.25%
Guaranteed Rate	0.08%	(3.0)	0.89%
Caliber Home Loans	0.09%	(3.0)	0.71%
Axia Home Loans	0.14%	(3.0)	1.79%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Pacific Bank	-0.03%	(3.5)	14.11%
Bank of Hawaii	-0.02%	(3.5)	25.74%
American Savings Bank	-0.02%	(3.5)	12.62%
Bank of America	-0.02%	(3.5)	1.73%
CMG Financial	0.01%	(3.5)	0.25%
Aloha Pacific Federal Credit Union	0.01%	(3.5)	0.25%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.25%
Movement Mortgage	0.02%	(3.5)	0.25%
First Hawaiian Bank	0.02%	(3.5)	19.80%
US Bank	0.02%	(3.5)	2.23%
Axia Home Loans	0.02%	(3.5)	0.25%
Hawaii State Federal Credit Union	0.02%	(3.5)	2.72%
Guaranteed Rate	0.02%	(3.5)	0.25%
Guild Mortgage Company	0.02%	(3.5)	0.25%
HomeStreet Bank	0.02%	(3.5)	0.25%
Hawaiian Financial FCU	0.03%	(3.5)	0.25%
PrimeLending	0.03%	(3.5)	0.25%
Finance of America Mortgage	0.03%	(3.5)	0.25%
Caliber Home Loans	0.04%	(3.5)	0.25%
JPMorgan Chase Bank	0.04%	(3.5)	0.99%
Wells Fargo Bank	0.04%	(3.5)	4.95%
loanDepot	0.04%	(3.5)	0.74%
Navy Federal Credit Union	0.04%	(3.5)	0.99%
Primary Residential Mortgage Inc	0.05%	(3.5)	0.25%
Quicken Loans	0.05%	(3.5)	2.48%
Territorial Savings Bank	0.05%	(3.0)	7.67%

Lender Name	Rate Difference	Rate Rating	Market Share
Plaza Home Mortgage	-0.21%	(4.5)	2.46%
loanDepot	-0.18%	(4.5)	7.28%
Ameris Bank	-0.17%	(4.5)	2.41%
Navy Federal Credit Union	-0.13%	(4.0)	3.42%
Central Pacific Bank	-0.10%	(4.0)	0.94%
DHI Mortgage Company Limited	-0.09%	(4.0)	2.11%
Sovereign Lending Group	-0.08%	(4.0)	0.70%
Fairway Independent Mortgage Corporation	-0.06%	(4.0)	2.54%
Home Point Financial Corporation	-0.05%	(3.5)	4.15%
Finance of America Mortgage	-0.03%	(3.5)	1.47%
NBKC Bank	-0.03%	(3.5)	0.68%
Bank of Hawaii	-0.02%	(3.5)	1.47%
Freedom Mortgage Corporation	-0.01%	(3.5)	5.66%
HighTechLending	-0.00%	(3.5)	0.35%
Stearns Home Loans	0.00%	(3.5)	2.28%
Bay Equity Home Loans	0.00%	(3.5)	0.18%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.66%
Flagstar Bank	0.01%	(3.5)	0.26%
Guaranteed Rate	0.01%	(3.5)	4.89%
Academy Mortgage Corporation Utah	0.01%	(3.5)	0.18%
CMG Financial	0.01%	(3.5)	1.49%
Wells Fargo Bank	0.01%	(3.5)	0.37%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.11%
American Savings Bank	0.01%	(3.5)	0.59%
Movement Mortgage	0.01%	(3.5)	0.59%
First Hawaiian Bank	0.01%	(3.5)	0.11%
Caliber Home Loans	0.02%	(3.5)	5.77%
US Bank	0.02%	(3.5)	0.02%
Hawaii State Federal Credit Union	0.02%	(3.5)	0.13%
PRMG Mortgage	0.03%	(3.5)	0.29%
Mr. Cooper	0.03%	(3.5)	0.68%
Premier Mortgage Resources	0.04%	(3.5)	0.09%
Guild Mortgage Company	0.05%	(3.5)	1.45%
Compass Hawaii Home Loans	0.05%	(3.5)	3.14%
Axia Home Loans	0.05%	(3.5)	0.13%
PennyMac Loan Services	0.05%	(3.0)	2.04%
V.I.P. Mortgage Inc	0.06%	(3.0)	0.29%
Cardinal Financial Company	0.06%	(3.0)	5.13%
American Financing	0.06%	(3.0)	0.11%
HomeBridge Financial Services	0.06%	(3.0)	6.71%
American Pacific Mortgage	0.06%	(3.0)	13.73%
Nations Lending Corporation	0.06%	(3.0)	0.15%
Land Home Financial Services	0.07%	(3.0)	3.69%
PrimeLending	0.07%	(3.0)	0.42%
Mann Mortgage	0.07%	(3.0)	0.26%
Castle & Cooke Mortgage	0.08%	(3.0)	1.58%
USAA	0.08%	(3.0)	2.26%
Doorway Home Loans	0.09%	(3.0)	0.97%
Carrington Mortgage Services	0.11%	(3.0)	0.35%
HomeStreet Bank	0.12%	(3.0)	0.44%
Quicken Loans	0.18%	(2.5)	1.29%
The Federal Savings Bank	0.30%	(2.0)	1.51%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.18%	(4.5)	1.39%
Navy Federal Credit Union	-0.17%	(4.5)	5.51%
Central Pacific Bank	-0.14%	(4.0)	1.67%
Freedom Mortgage Corporation	-0.13%	(4.0)	8.52%
Home Point Financial Corporation	-0.11%	(4.0)	2.45%
DHI Mortgage Company Limited	-0.10%	(4.0)	4.40%
Finance of America Mortgage	-0.08%	(4.0)	1.94%
loanDepot	-0.08%	(4.0)	3.29%
NBKC Bank	-0.06%	(4.0)	0.60%
Fairway Independent Mortgage Corporation	-0.05%	(4.0)	2.73%
PennyMac Loan Services	-0.05%	(3.5)	0.42%
Caliber Home Loans	-0.04%	(3.5)	4.68%
Primary Residential Mortgage Inc	-0.02%	(3.5)	0.79%
Bay Equity Home Loans	-0.02%	(3.5)	0.23%
HighTechLending	-0.01%	(3.5)	0.23%
American Savings Bank	-0.01%	(3.5)	0.65%
Wells Fargo Bank	-0.01%	(3.5)	0.65%
HomeBridge Financial Services	-0.01%	(3.5)	6.85%
Bank of Hawaii	-0.01%	(3.5)	1.02%
First Hawaiian Bank	-0.00%	(3.5)	0.14%
Flagstar Bank	0.00%	(3.5)	0.09%
Academy Mortgage Corporation Utah	0.00%	(3.5)	0.23%
CMG Financial	0.00%	(3.5)	2.18%
US Bank	0.01%	(3.5)	0.05%
Hawaii State Federal Credit Union	0.01%	(3.5)	0.19%
PRMG Mortgage	0.01%	(3.5)	0.37%
Mr. Cooper	0.01%	(3.5)	1.34%
Plaza Home Mortgage	0.01%	(3.5)	0.60%
Movement Mortgage	0.02%	(3.5)	0.60%
Nations Lending Corporation	0.02%	(3.5)	0.05%
Guild Mortgage Company	0.02%	(3.5)	1.39%
Compass Hawaii Home Loans	0.03%	(3.5)	3.38%
Premier Mortgage Resources	0.03%	(3.5)	0.14%
Carrington Mortgage Services	0.03%	(3.5)	0.14%
Stearns Home Loans	0.03%	(3.5)	1.71%
Axia Home Loans	0.04%	(3.5)	0.28%
Guaranteed Rate	0.04%	(3.5)	4.77%
V.I.P. Mortgage Inc	0.05%	(3.5)	0.56%
Mann Mortgage	0.05%	(3.0)	0.23%
Cardinal Financial Company	0.06%	(3.0)	7.31%
PrimeLending	0.06%	(3.0)	0.79%
Land Home Financial Services	0.07%	(3.0)	3.43%
USAA	0.07%	(3.0)	3.10%
Quicken Loans	0.07%	(3.0)	0.93%
Castle & Cooke Mortgage	0.08%	(3.0)	1.67%
HomeStreet Bank	0.12%	(3.0)	0.79%
Doorway Home Loans	0.12%	(3.0)	1.02%
American Pacific Mortgage	0.15%	(2.5)	14.54%

Lender Name	Rate Difference	Rate Rating	Market Share
Plaza Home Mortgage	-0.24%	(4.5)	4.13%
loanDepot	-0.20%	(4.5)	10.88%
Ameris Bank	-0.16%	(4.5)	3.34%
Fairway Independent Mortgage Corporation	-0.07%	(4.0)	2.38%
Sovereign Lending Group	-0.07%	(4.0)	1.33%
American Pacific Mortgage	-0.04%	(3.5)	13.01%
Guaranteed Rate	-0.02%	(3.5)	5.00%
Home Point Financial Corporation	-0.01%	(3.5)	5.67%
Bank of Hawaii	-0.01%	(3.5)	1.88%
Stearns Home Loans	-0.01%	(3.5)	2.79%
Navy Federal Credit Union	0.00%	(3.5)	1.54%
NBKC Bank	0.00%	(3.5)	0.75%
CMG Financial	0.01%	(3.5)	0.88%
HighTechLending	0.01%	(3.5)	0.46%
Movement Mortgage	0.01%	(3.5)	0.58%
Academy Mortgage Corporation Utah	0.01%	(3.5)	0.13%
Flagstar Bank	0.02%	(3.5)	0.42%
Bay Equity Home Loans	0.02%	(3.5)	0.13%
Cardinal Financial Company	0.02%	(3.5)	3.17%
DHI Mortgage Company Limited	0.02%	(3.5)	0.04%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.21%
First Hawaiian Bank	0.03%	(3.5)	0.08%
V.I.P. Mortgage Inc	0.03%	(3.5)	0.04%
PrimeLending	0.03%	(3.5)	0.08%
Finance of America Mortgage	0.03%	(3.5)	1.04%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.54%
American Savings Bank	0.04%	(3.5)	0.54%
Central Pacific Bank	0.04%	(3.5)	0.29%
Premier Mortgage Resources	0.04%	(3.5)	0.04%
Hawaii State Federal Credit Union	0.04%	(3.5)	0.08%
Mr. Cooper	0.04%	(3.5)	0.08%
PRMG Mortgage	0.04%	(3.5)	0.21%
Caliber Home Loans	0.06%	(3.0)	6.76%
HomeStreet Bank	0.06%	(3.0)	0.13%
Wells Fargo Bank	0.06%	(3.0)	0.13%
Doorway Home Loans	0.06%	(3.0)	0.92%
American Financing	0.07%	(3.0)	0.21%
Compass Hawaii Home Loans	0.07%	(3.0)	2.92%
Land Home Financial Services	0.07%	(3.0)	3.92%
Guild Mortgage Company	0.07%	(3.0)	1.50%
PennyMac Loan Services	0.07%	(3.0)	3.50%
Nations Lending Corporation	0.08%	(3.0)	0.25%
Castle & Cooke Mortgage	0.08%	(3.0)	1.50%
USAA	0.09%	(3.0)	1.50%
Mann Mortgage	0.09%	(3.0)	0.29%
HomeBridge Financial Services	0.12%	(3.0)	6.59%
Carrington Mortgage Services	0.14%	(3.0)	0.54%
Quicken Loans	0.24%	(2.5)	1.63%
Freedom Mortgage Corporation	0.25%	(2.5)	3.09%
The Federal Savings Bank	0.31%	(2.0)	2.88%

* Data is compiled for the Urban Honolulu, HI commuting zone area, which comprises of counties of Hawaii County, HI, Honolulu County, HI, Kalawao County, HI, and Maui County, HI. This includes cities/towns/communities of Urban Honolulu, HI as well as East Honolulu, HI, Ocean Pointe, HI, Makakilo, HI, Kailua, HI, Ewa Gentry, HI, Mililani Town, HI, Pearl City, HI, Wailuku, HI, Kaneohe, HI, Kihei, HI, Mililani Mauka, HI, Kapolei, HI, Hilo, HI, Hawaiian Paradise Park, HI, Waipahu, HI, Puako, HI, Maili, HI, Waimalu, HI, Royal Kunia, HI, Holualoa, HI, Kahului, HI, Ahuimanu, HI, Kalaoa, HI, Waipio, HI, Wahiawa, HI, Kailua, HI, Waikele, HI, Ewa Beach, HI, Ewa Villages, HI, Waipio Acres, HI, Halawa, HI, Volcano, HI, Pukalani, HI, Waimea, HI, Makaha, HI, Mahinahina, HI, Aiea, HI, Makena, HI, Kahaluu-Keauhou, HI, Haiku-Pauwela, HI, Kula, HI, Napili-Honokowai, HI, Pupukea, HI, Wailea, HI, Waialua, HI, Ko Olina, HI, Lahaina, HI, Eden Roc, HI, Hauula, HI, and Launiupoko, HI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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