Safe Rate Rankings

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