Safe Rate Rankings

Best Mortgage Lenders in Hawaii

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Hawaii Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked lender in Hawaii, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Hawaii: Bank: American Savings Bank FSB (#2). Credit union: Navy Federal Credit Union (#3). Mortgage company: United Wholesale Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Hawaii, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Hawaii, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Hawaii: Rocket Mortgage (#4) and American Savings Bank FSB (#2).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,005Fees	0.084%Below	999
2	American Savings Bank, FSB BankDirect	Strong	Acceptable	Exceptional	Exceptional	$3,530Fees	0.030%Below	425
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$1,159Fees	0.551%Below	110
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,239Fees	0.024%Above	680
5	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$1,702Fees	0.261%Below	666
6	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	$323Fees	0.508%Below	34
7	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,950Fees	0.197%Above	390
8	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,833Fees	0.106%Above	209
9	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$498Credit	0.120%Below	37
10	HAWAIIAN FINANCIAL FEDERAL CREDIT UNION Credit UnionDirect & Wholesale	Strong	Acceptable*	Strong	Exceptional	$5,352Fees	0.310%Below	139
11	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$2,513Fees	0.135%Above	368
12	Bank of America, National Association BankDirect	Strong	Strong	Strong	Sound	$1,573Fees	0.408%Below	21
13	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,201Fees	0.078%Below	148
14	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$4,768Fees	0.332%Above	295
15	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,224Fees	0.379%Above	169
16	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	$2,800Fees	0.048%Below	61
17	Bank of Hawaii BankDirect & Wholesale	Strong	Acceptable*	Strong	Exceptional	$4,032Fees	0.177%Above	357
18	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,706Fees	0.171%Above	233
19	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$5,858Fees	0.780%Above	134
20	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$3,483Fees	0.308%Above	111
21	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	$2,781Fees	0.039%Above	77
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$5,042Fees	0.325%Above	120
23	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Sound	$2,070Fees	0.083%Below	41
24	First Hawaiian Bank BankDirect	Sound	Mediocre	Strong	Exceptional	$5,238Fees	0.293%Above	358
25	Northpointe Bank BankDirect	Sound	Sound	Strong	Strong	$3,866Fees	0.602%Above	61
26	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Sound	Sound*	Strong	Sound	$3,048Fees	0.045%Below	38
27	Central Pacific Bank BankDirect	Sound	Mediocre	Strong	Exceptional	$3,506Fees	0.280%Above	204
28	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$1,330Fees	0.050%Above	179
29	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$4,160Fees	0.273%Above	83
30	HAWAII STATE FEDERAL CREDIT UNION Credit UnionDirect	Sound	Mediocre	Strong	Exceptional	$4,245Fees	0.286%Above	127
31	Territorial Savings Bank BankDirect & Wholesale	Sound	Acceptable*	Sound	Exceptional	$5,857Fees	0.339%Below	92
32	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$4,009Fees	0.341%Above	77
33	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Strong	Strong	$2,290Fees	0.094%Above	55
34	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$4,080Fees	0.162%Above	25
35	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,076Fees	0.354%Above	82
36	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$5,259Fees	0.339%Above	37
37	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$5,027Fees	0.452%Above	29
38	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$4,617Fees	0.282%Above	62
39	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$1,697Fees	0.031%Above	63
40	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,433Fees	0.286%Above	54
41	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,352Fees	0.265%Above	42
42	University of Hawaii Federal Credit Union Credit UnionDirect & Wholesale	Sound	Sound*	Sound	Strong	$6,027Fees	0.841%Below	38
43	ALAMEDA MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	$5,392Fees	0.250%Above	32
44	PREMIER MORTGAGE RESOURCES, L.L.C. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	$2,976Fees	0.558%Above	33
45	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$950Fees	0.145%Above	29
46	SECURITYNATIONAL MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$6,986Fees	0.448%Above	89
47	HAWAIIUSA FEDERAL CREDIT UNION Credit UnionDirect	Sound	Mediocre	Sound	Strong	$5,426Fees	0.180%Above	54
48	HOMEBRIDGE FINANCIAL SERVICES, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Sound	Sound	$3,337Fees	0.256%Above	24
49	PACIFIC HOME LOANS, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$4,044Fees	0.316%Above	47
50	LAND HOME FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Strong	$5,255Fees	0.314%Below	45

❓ Frequently Asked Questions

How are mortgage lenders ranked in Hawaii?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Hawaii), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Hawaii?+

Based on 2024 HMDA data, 88 lenders originated a combined 8,763 loans in Hawaii. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Hawaii?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Hawaii is 0.20%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Hawaii's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.