CallataGuidesBusiness phone system for mortgage and nonmortgage loan brokers in Hawaii
54 mortgage and nonmortgage loan brokers operated in Hawaii in 2023. Where they are, how big their teams are, and what phone service costs them.
- Establishments
- 54CBP 2023
- Employees
- 133mid-March 2023
- Per 100k residents
- 3.7U.S. 2.9
- State rank
- 31st of 51by count
Mortgage and nonmortgage loan brokers in Hawaii by the numbers
The Census Bureau counted 54 mortgage and nonmortgage loan brokers in Hawaii in its 2023 County Business Patterns (NAICS 522310). They employed 133 people in mid-March and reported $8,036,000 in annual payroll. That is the 31st highest count among the 51 states and DC with published figures. Mortgage and nonmortgage loan brokers make up 0.16% of the 32,911 business establishments in the state.
Per 100,000 residents (2024 estimate) Hawaii has 3.7 mortgage and nonmortgage loan brokers, 29.7% above the national rate of 2.9. The average establishment has 2.5 employees against 5.6 nationally. Payroll per employee is $60,421, 32.4% below the U.S. figure of $89,382.
| Measure | Hawaii | United States |
|---|---|---|
| Establishments | 54 | 9,792 |
| Mid-March employees | 133 (moderate noise) | 54,952 |
| Annual payroll | $8,036,000 | $4,911,723,000 |
| Employees per establishment | 2.5 | 5.6 |
| Payroll per employee | $60,421 | $89,382 |
| Establishments per 100,000 residents | 3.7 | 2.9 |
Census County Business Patterns 2023 (mid-March employment; annual payroll). Employees and payroll flagged high-noise are shown but not used in the text. Residents: Census Vintage 2024 estimates.
Hawaii's largest markets for mortgage and nonmortgage loan brokers
Census published mortgage brokerage counts for 3 metro or micropolitan areas that include part of Hawaii. The largest is Urban Honolulu, HI, with 36 establishments. Single-state metro and micropolitan areas account for 98% of the statewide total; the rest are outside any published area or in areas Census suppressed.
| Area | Establishments | Employees | Per 100k residents |
|---|---|---|---|
| Urban Honolulu, HI | 36 | 96 | 3.6 |
| Kahului, HI | 10 | — | 6.1 |
| Hilo, HI | 7 | — | 3.3 |
Source: Census County Business Patterns 2023; population from Census Vintage 2024 estimates.
Team sizes at mortgage and nonmortgage loan brokers in Hawaii
86.5% of Hawaii's mortgage and nonmortgage loan brokers with employees had fewer than five people in March 2023, compared with 81.5% nationally. 100.0% had fewer than ten. At that size the phone is shared, so routing (who rings, when, and what happens after hours) matters more than the number of desk phones.
| Employment size | Establishments | Share | U.S. share |
|---|---|---|---|
| 1–4 employees | 45 | 86.5% | 81.5% |
| 5–9 employees | 7 | 13.5% | 10.6% |
| 10–19 employees | not published | — | 4.5% |
| 20–49 employees | not published | — | 2.2% |
| 50 or more employees | 0 | 0.0% | 1.2% |
Employment-size classes count establishments by mid-March 2023 employment. Establishments with no March employees are excluded from the size classes, so shares are of establishments with employees. Source: Census County Business Patterns 2023.
What mortgage and nonmortgage loan brokers in Hawaii use the phone for
Loan brokers live on responsiveness: borrowers call while house hunting, and agents call to check on approvals before offers. Calls missed during a rate-sensitive moment can cost a deal.
Calls a mortgage brokerage in Hawaii might handle in a typical week include:
- A real estate agent calls to verify a buyer's approval status.
- A borrower calls to ask about pre-approval.
- A borrower calls to ask about locking a rate.
Business texting for mortgage and nonmortgage loan brokers
Brokers text document checklists and status updates to borrowers and agents.
Texting from a local number in Hawaii requires carrier registration (10DLC), a one-time $49 fee on Callata.
Phone system pricing for a 2-person mortgage brokerage
Mortgage and nonmortgage loan brokers in Hawaii average 2.5 employees, so the comparison uses a 2-person team. Priced per seat, 2 users would run $60.00 a month on RingCentral RingEX Core and $49.90 on Ooma Office Pro (month-to-month list prices, checked September 28, 2026). Callata costs $99.00 a month ($99 a month with 5 users included, then $20 per additional user), so at this team size both per-seat plans are cheaper; Callata drops below them from 4 users.
At this team size the per-seat plans cost less than Callata's $99 base price, which already covers 5 users; Callata becomes the lower price from 4 users.
| Provider (plan) | Pricing basis | Per month | Per year |
|---|---|---|---|
| Callata (Callata Office) | $99 incl. 5 users, $20 per extra user | $99.00 | $1,188.00 |
| Quo (Starter) | $19.00 per user | $38.00 | $456.00 |
| Nextiva (Core) | $23.00 per user | $46.00 | $552.00 |
| Ooma (Office Pro) | $24.95 per user | $49.90 | $598.80 |
| Dialpad (Standard) | $27.00 per user | $54.00 | $648.00 |
| RingCentral (RingEX Core) | $30.00 per user | $60.00 | $720.00 |
Competitor prices are each vendor's published month-to-month list price per user for its lowest plan that includes business calling and texting, checked September 28, 2026: Quo Starter $19, Nextiva Core $23, Ooma Office Pro $24.95 (Essentials excludes texting; one-time $29.95 activation not included), Dialpad Standard $27, RingCentral RingEX Core $30 ($20 billed annually). Prices exclude taxes and fees and may change; annual contracts lower some competitors' prices.
Area codes in Hawaii
Hawaii has 1 geographic area code in service according to NANPA. Callata includes up to 3 local numbers, so a mortgage brokerage can hold a number in more than one of them.
| Area code | Exchanges | Time zone | In service since | Overlay with |
|---|---|---|---|---|
| 808 | 693 | — | 1957 | none |
Exchanges are NANPA-assigned central office codes (NPA-NXX) in the rate centers matched to the area's named places. Source: NANPA utilized code and NPA reports.
How Callata works for mortgage and nonmortgage loan brokers in Hawaii
Callata Office costs $99 per month for up to 5 people, and each additional user is $20 a month. That covers up to 3 local numbers, calling from a browser or your cell, transcribed voicemail, recorded calls with AI summaries, after-hours routing and E911 on each number.
Porting a number you already use in Hawaii is free, and business texting is available once the carrier registration (10DLC) is approved; the registration carries a one-time $49 fee. Which specific numbers are open in a given area code depends on carrier inventory at the time you sign up.
AI agents are optional: an AI receptionist or scheduler can pick up when the team is busy or closed, take a message, send a text or email, or transfer the call. They draw on prepaid AI minutes ($0.25/minute), disclose that they are AI, and outbound AI calls require prior consent and are limited to 8am–9pm.
Marketing calls and texts require consent, and financial details should not be sent by text.
Frequently asked questions
How many mortgage and nonmortgage loan brokers are in Hawaii?
54 in 2023, according to Census County Business Patterns. They employed 133 people in mid-March.
Which Hawaii metro area has the most mortgage and nonmortgage loan brokers?
Urban Honolulu, HI, with 36 establishments in 2023.
What does a phone system cost a 2-person mortgage brokerage?
$60.00 a month on RingCentral RingEX Core or $49.90 on Ooma Office Pro at month-to-month list prices (checked September 28, 2026); $99.00 on Callata ($99 a month with 5 users included, then $20 per additional user).
Do I need to register to text customers from a Hawaii number?
Yes. US carriers require business texting from local numbers to be registered (10DLC). On Callata the registration is a one-time $49 fee, and texting turns on once it is approved.