Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Kahului

Updated February 6, 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.
Total Lenders6
Total Loans679
Median Rate Spread0.23%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
American Savings Bank, FSBBank
Exceptional
Sound
Strong
Exceptional
Exceptional
$3,196Fees
0.037%Above
58
2
Northpointe BankBank
Exceptional
Sound
Exceptional
Strong
Exceptional
$3,954Fees
0.670%Above
55
3
Morgan Stanley Private Bank, National AssociationBank
Exceptional
Exceptional
Strong
Sound
Sound
$488Fees
0.557%Below
15
4
First Hawaiian BankBank
Strong
Mediocre
Strong
Strong
Exceptional
$5,440Fees
0.627%Above
44
5
Bank of HawaiiBank
Strong
Mediocre
Strong
Strong
Exceptional
$3,236Fees
0.129%Above
34
6
Central Pacific BankBank
Sound
Mediocre
Sound
Strong
Sound
$8,053Fees
0.082%Above
12

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.