# Best Mortgage Lenders in Hawaii

**As of:** 2026-05-23

Compare the top mortgage lenders in Hawaii. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/hawaii/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 88
- **Total Loans:** 8,763
- **Median Rate Spread:** 0.20390697674418606%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 999 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 666 | Independent Mortgage Company |
| 3 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 368 | Independent Mortgage Company |
| 4 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 110 | Credit Union |
| 5 | Ameris Bank | 78 | 42 | 82 | 61 | Bank |
| 6 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 34 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 680 | Independent Mortgage Company |
| 8 | American Savings Bank, FSB | 74 | 39 | 87 | 425 | Bank |
| 9 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 390 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 295 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 209 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 148 | Independent Mortgage Company |
| 13 | Northpointe Bank | 73 | 47 | 62 | 61 | Bank |
| 14 | U.S. Bank National Association | 73 | 75 | 71 | 37 | Bank |
| 15 | Bank of America, National Association | 73 | 73 | 75 | 21 | Bank |
| 16 | Bank of Hawaii | 68 | 21 | 65 | 357 | Bank |
| 17 | HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 68 | 36 | 75 | 139 | Credit Union |
| 18 | V.I.P. MORTGAGE, INC. | 68 | 29 | 83 | 169 | Independent Mortgage Company |
| 19 | NFM, INC. | 68 | 23 | 87 | 134 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 120 | Independent Mortgage Company |
| 21 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 41 | Bank |
| 22 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 38 | Bank |
| 23 | University of Hawaii Federal Credit Union | 66 | 41 | 41 | 38 | Credit Union |
| 24 | Mortgage Research Center, LLC | 63 | 34 | 70 | 233 | Independent Mortgage Company |
| 25 | KIND LENDING, LLC | 63 | 39 | 73 | 111 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 83 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 82 | Independent Mortgage Company |
| 28 | THE LOAN STORE, INC. | 63 | 40 | 77 | 77 | Independent Mortgage Company |
| 29 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 77 | Independent Mortgage Company |
| 30 | Plains Commerce Bank | 63 | 37 | 67 | 55 | Bank |
| 31 | CANOPY MORTGAGE, LLC | 63 | 21 | 70 | 54 | Independent Mortgage Company |
| 32 | Territorial Savings Bank | 62 | 39 | 47 | 92 | Bank |
| 33 | DAS Acquisition Company, LLC | 62 | 26 | 80 | 37 | Independent Mortgage Company |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 29 | Independent Mortgage Company |
| 35 | NEWREZ LLC | 58 | 35 | 59 | 179 | Independent Mortgage Company |
| 36 | PACIFIC HOME LOANS, INC. | 58 | 24 | 41 | 47 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 42 | Independent Mortgage Company |
| 38 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 29 | Independent Mortgage Company |
| 39 | Flagstar Bank, N.A. | 58 | 40 | 76 | 25 | Bank |
| 40 | First Hawaiian Bank | 54 | 13 | 67 | 358 | Bank |
| 41 | Central Pacific Bank | 54 | 19 | 63 | 204 | Bank |
| 42 | HAWAII STATE FEDERAL CREDIT UNION | 54 | 13 | 70 | 127 | Credit Union |
| 43 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 62 | Independent Mortgage Company |
| 44 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 45 | Independent Mortgage Company |
| 45 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 52 | 35 | 55 | 24 | Independent Mortgage Company |
| 46 | SECURITYNATIONAL MORTGAGE COMPANY | 50 | 10 | 68 | 89 | Independent Mortgage Company |
| 47 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 17 | 75 | 63 | Independent Mortgage Company |
| 48 | ALAMEDA MORTGAGE CORPORATION | 49 | 15 | 81 | 32 | Independent Mortgage Company |
| 49 | Citadel Servicing Corporation | 46 | 5 | 50 | 67 | Independent Mortgage Company |
| 50 | HAWAIIUSA FEDERAL CREDIT UNION | 46 | 20 | 47 | 54 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Hawaii.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.