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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 Conventional Mortgage Lenders in Urban Honolulu

Updated February 5, 2026

Market Overview

Total Lenders

5,867

Total Loans

0.07%

Median Rate Spread

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

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Urban Honolulu, HIConventional

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