Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$991Fees	0.612%Below	87
2	American Savings Bank, FSBBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,477Fees	0.052%Below	328
3	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$196Fees	0.429%Below	14
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,718Fees	0.175%Below	695
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,238Fees	0.037%Below	465
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,026Fees	0.148%Above	147
7	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,959Fees	0.189%Above	62
8	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,980Fees	0.047%Below	58
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,038Fees	0.060%Above	19
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$1,536Fees	0.351%Below	556
11	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,681Fees	0.118%Above	299
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,882Fees	0.098%Above	247
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$754Fees	0.188%Below	101
14	Territorial Savings BankBank	Strong	Sound	Sound	Strong	Exceptional	$5,921Fees	0.337%Below	85
15	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,475Fees	0.090%Below	45
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,979Fees	0.092%Below	20
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,828Fees	0.282%Above	160
18	HAWAIIAN FINANCIAL FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Sound	Exceptional	Exceptional	$5,234Fees	0.293%Below	120
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,983Fees	0.341%Above	106
20	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,571Fees	0.278%Above	63
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,191Fees	0.359%Above	63
22	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,635Fees	0.004%Above	59
23	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,748Fees	0.028%Above	59
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,674Fees	0.184%Above	56
25	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,183Fees	0.021%Above	48
26	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$982Fees	0.008%Above	144
27	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,482Fees	0.303%Above	51
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,040Fees	0.427%Above	24
29	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,145Credit	0.184%Below	17
30	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,869Fees	0.271%Above	17
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,061Fees	0.010%Above	14
32	Bank of HawaiiBank	Strong	Mediocre	Strong	Strong	Exceptional	$3,948Fees	0.188%Above	272
33	First Hawaiian BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$5,253Fees	0.241%Above	248
34	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,465Fees	0.043%Above	177
35	University of Hawaii Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Sound	Strong	$6,024Fees	0.807%Below	36
36	Central Pacific BankBank	Sound	Mediocre	Sound	Strong	Exceptional	$3,432Fees	0.281%Above	170
37	HAWAII STATE FEDERAL CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Strong	Exceptional	$4,281Fees	0.278%Above	121
38	HAWAIIUSA FEDERAL CREDIT UNIONCredit Union	Sound	Acceptable	Acceptable	Strong	Strong	$5,659Fees	0.165%Above	35
39	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,435Fees	0.085%Above	15
40	PENTAGON FEDERAL CREDIT UNIONCredit Union	Sound	Acceptable	Strong	Sound	Sound	$1,679Fees	0.471%Below	14
41	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,160Fees	0.014%Below	14
42	LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$5,437Fees	0.329%Below	39
43	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$5,443Fees	0.210%Above	30
44	HIGHTECHLENDING INCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$6,292Fees	0.420%Above	36
45	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,080Fees	0.075%Above	34
46	CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$4,289Fees	0.396%Above	28
47	HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$6,448Fees	1.485%Above	18
48	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$3,497Fees	0.024%Above	13

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.