By the Wirly Editorial Team | AI-assisted, human-reviewed
Mortgage Refinancing in Hawaii
Real refinance data for Hawaii from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
2,433
2024 HMDA data
Avg Loan Amount
$520,857
National: $428,119
Denial Rate
29.64%
▼ Above national avg
Median Home Value
$808,200
U.S. Census Bureau
Source: HMDA 2024 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Hawaii
Originations by Year
Refinance originations in Hawaii by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Hawaii
Source: FHFA House Price Index
Top Lenders in Hawaii
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Bank Of Hawaii | 8,056 | - |
| 2 | American Savings Bank Fsb | 6,316 | - |
| 3 | First Hawaiian Bank | 4,933 | - |
| 4 | Bank Of Hawaii | 3,449 | - |
| 5 | First Hawaiian Bank | 2,752 | - |
| 6 | Bank Of Hawaii | 2,714 | - |
| 7 | American Savings Bank Fsb | 2,596 | - |
| 8 | Central Pacific Bank | 2,545 | - |
| 9 | First Hawaiian Bank | 2,271 | - |
| 10 | Hawaii State Federal Credit Union | 2,041 | - |
Ranked by total HMDA filings in the state (2024). Source: HMDA via CFPB.
Compare all lenders →How Hawaii Compares
| Metric | Hawaii | National Avg |
|---|---|---|
| Refinance Originations | 2,433 | 697,820 |
| Avg Loan Amount | $520,857 | $428,119 |
| Denial Rate | 29.64% | 24.2% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2024, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.51%
▲ 6.36% prev
15-Year Fixed
5.85%
▲ 5.71% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Hawaii in 2024?
In 2024, there were 2,433 refinance originations in Hawaii, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Hawaii?
The average refinance loan amount in Hawaii was $520,857 in 2024. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Hawaii?
The refinance denial rate in Hawaii was 29.64% in 2024. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Hawaii?
The most active lenders in Hawaii by HMDA filing volume include Bank Of Hawaii, American Savings Bank Fsb, First Hawaiian Bank. See the full list above for details.
Is it a good time to refinance in Hawaii?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Hawaii, including tips, regulations, and state programs.
Read the Hawaii Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.