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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 Mortgage Lenders in Urban Honolulu
Updated February 5, 2026
Market Overview
60
Total Lenders
5,867
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $991 | -0.612% | 87 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,718 | -0.175% | 695 | |
3 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,536 | -0.351% | 556 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,882 | +0.098% | 247 | |
5 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,980 | -0.047% | 58 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,238 | -0.037% | 465 | |
7 | American Savings Bank, FSB | Strong | Acceptable | Exceptional | Exceptional | $3,477 | -0.052% | 328 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,681 | +0.118% | 299 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,026 | +0.148% | 147 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $754 | -0.188% | 101 | |
11 | Bank of Hawaii | Strong | Acceptable | Strong | Exceptional | $3,948 | +0.188% | 272 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,828 | +0.282% | 160 | |
13 | HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | Strong | Acceptable | Strong | Exceptional | $5,234 | -0.293% | 120 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,983 | +0.341% | 106 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,475 | -0.090% | 45 | |
16 | University of Hawaii Federal Credit Union | Strong | Sound | Sound | Strong | $6,024 | -0.807% | 36 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,979 | -0.092% | 20 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,465 | +0.043% | 177 | |
19 | Territorial Savings Bank | Strong | Acceptable | Sound | Exceptional | $5,921 | -0.337% | 85 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,571 | +0.278% | 63 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,191 | +0.359% | 63 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,959 | +0.189% | 62 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,635 | +0.004% | 59 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,674 | +0.184% | 56 | |
25 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,482 | +0.303% | 51 | |
26 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,183 | +0.021% | 48 | |
27 | First Hawaiian Bank | Sound | Mediocre | Strong | Exceptional | $5,253 | +0.241% | 248 | |
28 | Central Pacific Bank | Sound | Mediocre | Strong | Exceptional | $3,432 | +0.281% | 170 | |
29 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $982 | +0.008% | 144 | |
30 | HAWAII STATE FEDERAL CREDIT UNION | Sound | Mediocre | Strong | Exceptional | $4,281 | +0.278% | 121 | |
31 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,040 | +0.427% | 24 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $1,748 | +0.028% | 59 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,443 | +0.210% | 30 | |
34 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Sound | Strong | $5,437 | -0.329% | 39 | |
35 | HAWAIIUSA FEDERAL CREDIT UNION | Sound | Mediocre | Sound | Strong | $5,659 | +0.165% | 35 | |
36 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | $6,080 | +0.075% | 34 | |
37 | HIGHTECHLENDING INC | Sound | Mediocre | Acceptable | Strong | $6,292 | +0.420% | 36 | |
38 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | $4,289 | +0.396% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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