Safe Rate Rankings

Best Jumbo 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	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,882Fees	0.098%Above	247
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,038Fees	0.060%Above	19
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,718Fees	0.175%Below	695
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$4,238Fees	0.037%Below	465
5	Bank of HawaiiBank	Strong	Sound	Strong	Strong	Exceptional	$3,948Fees	0.188%Above	272
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$754Fees	0.188%Below	101
7	American Savings Bank, FSBBank	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,477Fees	0.052%Below	328
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,979Fees	0.092%Below	20
9	First Hawaiian BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$5,253Fees	0.241%Above	248
10	Central Pacific BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$3,432Fees	0.281%Above	170
11	Territorial Savings BankBank	Strong	Acceptable	—	Sound	Exceptional	$5,921Fees	0.337%Below	85

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.