Safe Rate Rankings

Best Conventional Mortgage Lenders in Hawaii

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders88

Total Loans8,763

Median Rate Spread0.20%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,159Fees	0.551%Below	110
2	American Savings Bank, FSBBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,530Fees	0.030%Below	425
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$498Credit	0.120%Below	37
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$323Fees	0.508%Below	34
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,573Fees	0.408%Below	21
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,005Fees	0.084%Below	999
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,239Fees	0.024%Above	680
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,833Fees	0.106%Above	209
9	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,160Fees	0.273%Above	83
10	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,866Fees	0.602%Above	61
11	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,800Fees	0.048%Below	61
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,070Fees	0.083%Below	41
13	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$1,702Fees	0.261%Below	666
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,950Fees	0.197%Above	390
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,513Fees	0.135%Above	368
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,768Fees	0.332%Above	295
17	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,224Fees	0.379%Above	169
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,201Fees	0.078%Below	148
19	Territorial Savings BankBank	Strong	Sound	Sound	Strong	Exceptional	$5,857Fees	0.339%Below	92
20	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,048Fees	0.045%Below	38
21	HAWAIIAN FINANCIAL FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Sound	Exceptional	Exceptional	$5,352Fees	0.310%Below	139
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,042Fees	0.325%Above	120
23	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,483Fees	0.308%Above	111
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,076Fees	0.354%Above	82
25	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,781Fees	0.039%Above	77
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,009Fees	0.341%Above	77
27	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,697Fees	0.031%Above	63
28	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,290Fees	0.094%Above	55
29	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,330Fees	0.050%Above	179
30	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,433Fees	0.286%Above	54
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,352Fees	0.265%Above	42
32	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,259Fees	0.339%Above	37
33	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$950Fees	0.145%Above	29
34	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,027Fees	0.452%Above	29
35	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$4,080Fees	0.162%Above	25
36	First Hawaiian BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$5,238Fees	0.293%Above	358
37	Bank of HawaiiBank	Strong	Mediocre	Strong	Strong	Exceptional	$4,032Fees	0.177%Above	357
38	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,706Fees	0.171%Above	233
39	NFM, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,858Fees	0.780%Above	134
40	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,617Fees	0.282%Above	62
41	PACIFIC HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Sound	Strong	Strong	$4,044Fees	0.316%Above	47
42	University of Hawaii Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Sound	Strong	$6,027Fees	0.841%Below	38
43	Central Pacific BankBank	Sound	Mediocre	Sound	Strong	Exceptional	$3,506Fees	0.280%Above	204
44	HAWAII STATE FEDERAL CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Strong	Exceptional	$4,245Fees	0.286%Above	127
45	HAWAIIUSA FEDERAL CREDIT UNIONCredit Union	Sound	Acceptable	Acceptable	Strong	Strong	$5,426Fees	0.180%Above	54
46	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,976Fees	0.558%Above	33
47	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,392Fees	0.250%Above	32
48	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$6,986Fees	0.448%Above	89
49	Citadel Servicing CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$1,370Fees	1.376%Above	67
50	NEXERA HOLDING LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$5,488Fees	1.015%Above	47

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.