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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 Company Lenders in Hawaii
Updated February 6, 2026
Market Overview
38
Total Lenders
8,763
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,005 | -0.084% | 999 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,239 | +0.024% | 680 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,833 | +0.106% | 209 | |
4 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,160 | +0.273% | 83 | |
5 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,702 | -0.261% | 666 | |
6 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,950 | +0.197% | 390 | |
7 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,513 | +0.135% | 368 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,768 | +0.332% | 295 | |
9 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,224 | +0.379% | 169 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,201 | -0.078% | 148 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $5,042 | +0.325% | 120 | |
12 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,483 | +0.308% | 111 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,076 | +0.354% | 82 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,781 | +0.039% | 77 | |
15 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,009 | +0.341% | 77 | |
16 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,697 | +0.031% | 63 | |
17 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,330 | +0.050% | 179 | |
18 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,433 | +0.286% | 54 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,352 | +0.265% | 42 | |
20 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,259 | +0.339% | 37 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $5,027 | +0.452% | 29 | |
22 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $950 | +0.145% | 29 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,706 | +0.171% | 233 | |
24 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,858 | +0.780% | 134 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,617 | +0.282% | 62 | |
26 | PACIFIC HOME LOANS, INC. | Strong | Acceptable | Sound | Strong | Strong | $4,044 | +0.316% | 47 | |
27 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,976 | +0.558% | 33 | |
28 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,392 | +0.250% | 32 | |
29 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Strong | $6,986 | +0.448% | 89 | |
30 | Citadel Servicing Corporation | Sound | Mediocre | Strong | Sound | Strong | $1,370 | +1.376% | 67 | |
31 | NEXERA HOLDING LLC | Sound | Mediocre | Strong | Sound | Strong | $5,488 | +1.015% | 47 | |
32 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,255 | -0.314% | 45 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $5,858 | +0.587% | 45 | |
34 | HIGHTECHLENDING INC | Sound | Mediocre | Sound | Sound | Strong | $4,789 | +0.443% | 45 | |
35 | LENDSURE MORTGAGE CORP. | Sound | Mediocre | Strong | Sound | Sound | $700 | +1.172% | 25 | |
36 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Strong | Acceptable | Sound | $4,753 | +1.494% | 35 | |
37 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | Sound | $4,289 | +0.396% | 28 | |
38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Acceptable | Sound | $3,337 | +0.256% | 24 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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