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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 VA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,718 | -0.175% | 695 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,536 | -0.351% | 556 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,882 | +0.098% | 247 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $991 | -0.612% | 87 | |
5 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,980 | -0.047% | 58 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,681 | +0.118% | 299 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $754 | -0.188% | 101 | |
8 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,191 | +0.359% | 63 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Sound | -$1,145 | -0.184% | 17 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,238 | -0.037% | 465 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,026 | +0.148% | 147 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $982 | +0.008% | 144 | |
13 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $4,571 | +0.278% | 63 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,959 | +0.189% | 62 | |
15 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,635 | +0.004% | 59 | |
16 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,183 | +0.021% | 48 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $6,061 | +0.010% | 14 | |
18 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Exceptional | Sound | Sound | $1,679 | -0.471% | 14 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,983 | +0.341% | 106 | |
20 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $7,157 | +0.500% | 14 | |
21 | American Savings Bank, FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,477 | -0.052% | 328 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,465 | +0.043% | 177 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,828 | +0.282% | 160 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.184% | 56 | |
25 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,475 | -0.090% | 45 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,160 | -0.014% | 14 | |
27 | Bank of Hawaii | Strong | Acceptable | — | Strong | Exceptional | $3,948 | +0.188% | 272 | |
28 | LAND HOME FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,437 | -0.329% | 39 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,040 | +0.427% | 24 | |
30 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,869 | +0.271% | 17 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $1,748 | +0.028% | 59 | |
32 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,482 | +0.303% | 51 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,443 | +0.210% | 30 | |
34 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Strong | Acceptable | Strong | Strong | Sound | $4,289 | +0.396% | 28 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,435 | +0.085% | 15 | |
36 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $1,624 | +0.232% | 15 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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