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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Hawaii

Updated February 6, 2026

Market Overview

Total Lenders

8,763

Total Loans

0.20%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$1,159	-0.551%	110
2	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	$323	-0.508%	34
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,005	-0.084%	999
4	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	$1,702	-0.261%	666
5	GUARANTEED RATE, INC.	Strong	Sound	Strong	Exceptional	$2,513	+0.135%	368
6	Ameris Bank	Strong	Sound	Exceptional	Strong	$2,800	-0.048%	61
7	U.S. Bank National Association	Strong	Strong	Strong	Sound	-$498	-0.120%	37
8	Bank of America, National Association	Strong	Strong	Strong	Sound	$1,573	-0.408%	21
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,239	+0.024%	680
10	American Savings Bank, FSB	Strong	Acceptable	Exceptional	Exceptional	$3,530	-0.030%	425
11	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$2,950	+0.197%	390
12	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$4,768	+0.332%	295
13	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,833	+0.106%	209
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,201	-0.078%	148
15	Northpointe Bank	Strong	Sound	Strong	Strong	$3,866	+0.602%	61
16	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,070	-0.083%	41
17	Bank of Hawaii	Strong	Acceptable	Strong	Exceptional	$4,032	+0.177%	357
18	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,224	+0.379%	169
19	HAWAIIAN FINANCIAL FEDERAL CREDIT UNION	Strong	Acceptable	Strong	Exceptional	$5,352	-0.310%	139
20	NFM, INC.	Strong	Acceptable	Exceptional	Strong	$5,858	+0.780%	134
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$5,042	+0.325%	120
22	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	$3,048	-0.045%	38
23	University of Hawaii Federal Credit Union	Strong	Sound	Sound	Strong	$6,027	-0.841%	38
24	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$2,706	+0.171%	233
25	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$3,483	+0.308%	111
26	Territorial Savings Bank	Strong	Acceptable	Sound	Exceptional	$5,857	-0.339%	92
27	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$4,160	+0.273%	83
28	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,076	+0.354%	82
29	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$2,781	+0.039%	77
30	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Strong	$4,009	+0.341%	77
31	Plains Commerce Bank	Strong	Acceptable	Strong	Strong	$2,290	+0.094%	55
32	CANOPY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$2,433	+0.286%	54
33	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Sound	$5,259	+0.339%	37
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$5,027	+0.452%	29
35	First Hawaiian Bank	Sound	Mediocre	Strong	Exceptional	$5,238	+0.293%	358
36	Central Pacific Bank	Sound	Mediocre	Strong	Exceptional	$3,506	+0.280%	204
37	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$1,330	+0.050%	179
38	HAWAII STATE FEDERAL CREDIT UNION	Sound	Mediocre	Strong	Exceptional	$4,245	+0.286%	127
39	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	$4,617	+0.282%	62
40	PACIFIC HOME LOANS, INC.	Sound	Acceptable	Sound	Strong	$4,044	+0.316%	47
41	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$3,352	+0.265%	42
42	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$950	+0.145%	29
43	Flagstar Bank, N.A.	Sound	Acceptable	Strong	Sound	$4,080	+0.162%	25
44	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Strong	$6,986	+0.448%	89
45	PRIMARY RESIDENTIAL MORTGAGE, INC.	Sound	Mediocre	Strong	Strong	$1,697	+0.031%	63
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$5,858	+0.587%	45
47	ALAMEDA MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Sound	$5,392	+0.250%	32
48	HOMEBRIDGE FINANCIAL SERVICES, INC.	Sound	Acceptable	Sound	Sound	$3,337	+0.256%	24
49	Citadel Servicing Corporation	Sound	Mediocre	Sound	Strong	$1,370	+1.376%	67
50	HAWAIIUSA FEDERAL CREDIT UNION	Sound	Mediocre	Sound	Strong	$5,426	+0.180%	54

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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