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

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