Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders33

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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,718Fees	0.175%Below	695
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,238Fees	0.037%Below	465
3	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,026Fees	0.148%Above	147
4	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,959Fees	0.189%Above	62
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$1,536Fees	0.351%Below	556
6	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,681Fees	0.118%Above	299
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,882Fees	0.098%Above	247
8	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$754Fees	0.188%Below	101
9	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,475Fees	0.090%Below	45
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,828Fees	0.282%Above	160
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,983Fees	0.341%Above	106
12	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,571Fees	0.278%Above	63
13	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,191Fees	0.359%Above	63
14	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,635Fees	0.004%Above	59
15	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,748Fees	0.028%Above	59
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,674Fees	0.184%Above	56
17	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$982Fees	0.008%Above	144
18	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,482Fees	0.303%Above	51
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,040Fees	0.427%Above	24
20	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,145Credit	0.184%Below	17
21	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,869Fees	0.271%Above	17
22	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,061Fees	0.010%Above	14
23	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,465Fees	0.043%Above	177
24	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,435Fees	0.085%Above	15
25	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,160Fees	0.014%Below	14
26	LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$5,437Fees	0.329%Below	39
27	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$5,443Fees	0.210%Above	30
28	HIGHTECHLENDING INCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$6,292Fees	0.420%Above	36
29	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,080Fees	0.075%Above	34
30	CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$4,289Fees	0.396%Above	28
31	HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$6,448Fees	1.485%Above	18
32	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.