Safe Rate Rankings

Best Mortgage Lenders in Urban Honolulu

Updated February 5, 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 Lenders60

Total Loans5,867

Median Rate Spread0.07%

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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	$991Fees	0.612%Below	87
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,718Fees	0.175%Below	695
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,536Fees	0.351%Below	556
4	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,882Fees	0.098%Above	247
5	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,980Fees	0.047%Below	58
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,238Fees	0.037%Below	465
7	American Savings Bank, FSBBank	Strong	Acceptable	Exceptional	Exceptional	$3,477Fees	0.052%Below	328
8	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,681Fees	0.118%Above	299
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,026Fees	0.148%Above	147
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$754Fees	0.188%Below	101
11	Bank of HawaiiBank	Strong	Acceptable	Strong	Exceptional	$3,948Fees	0.188%Above	272
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,828Fees	0.282%Above	160
13	HAWAIIAN FINANCIAL FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Exceptional	$5,234Fees	0.293%Below	120
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,983Fees	0.341%Above	106
15	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,475Fees	0.090%Below	45
16	University of Hawaii Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	$6,024Fees	0.807%Below	36
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,979Fees	0.092%Below	20
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,465Fees	0.043%Above	177
19	Territorial Savings BankBank	Strong	Acceptable	Sound	Exceptional	$5,921Fees	0.337%Below	85
20	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,571Fees	0.278%Above	63
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,191Fees	0.359%Above	63
22	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,959Fees	0.189%Above	62
23	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,635Fees	0.004%Above	59
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,674Fees	0.184%Above	56
25	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,482Fees	0.303%Above	51
26	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$2,183Fees	0.021%Above	48
27	First Hawaiian BankBank	Sound	Mediocre	Strong	Exceptional	$5,253Fees	0.241%Above	248
28	Central Pacific BankBank	Sound	Mediocre	Strong	Exceptional	$3,432Fees	0.281%Above	170
29	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$982Fees	0.008%Above	144
30	HAWAII STATE FEDERAL CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Exceptional	$4,281Fees	0.278%Above	121
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,040Fees	0.427%Above	24
32	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$1,748Fees	0.028%Above	59
33	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,443Fees	0.210%Above	30
34	LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Mediocre	Sound	Strong	$5,437Fees	0.329%Below	39
35	HAWAIIUSA FEDERAL CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Strong	$5,659Fees	0.165%Above	35
36	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$6,080Fees	0.075%Above	34
37	HIGHTECHLENDING INCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Strong	$6,292Fees	0.420%Above	36
38	CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	$4,289Fees	0.396%Above	28

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.