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Mortgage Lenders and Brokers in Hawaii

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Hawaii mortgage lenders include Bank of HawaiiBank of Hawaii98 1059 Moanalua Rd, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.37%, American Savings BankAmerican Savings Bank98 200 Kamehameha Hwy, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.72%, First Hawaiian BankFirst Hawaiian Bank98 1071 Moanalua Rd, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.55%, Central Pacific BankCentral Pacific Bank98 150 Kaonohi St, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.64%, Hawaii State Federal Credit UnionHawaii State Federal Credit UnionWestridge Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 5.45%, Hawaiiusa FCUHawaiiusa FCUAiea Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.02%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union2199 Kalia Rd, Honolulu, HI 96815A+5.0 ★Texas Ratio: 2.38%, University of Hawaii FCUUniversity of Hawaii FCU2019 S King St, Honolulu, HI 96826A+5.0 ★Texas Ratio: 1.05%, Mortgage Hawaii LLCMortgage Hawaii LLC98 1059 Moanalua Rd, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.37%, and Lokahi Federal Credit UnionLokahi Federal Credit Union98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707A+5.0 ★Texas Ratio: 2.16%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hawaii are listed first, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Hawaii

Market share is the lender's share of all home loans closed in Hawaii. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Median loan is the midpoint loan amount the lender closed in the state.

Lender	Programs	Loans closed	Market share	Approval share	Median loan	View
Bank of Hawaii 46 offices in HI 98 1059 Moanalua Rd, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.37%	Conventional, FHA, VA, Jumbo, HELOC	720 +1,019 HELOCs	5.9%	93.7%	$495,000	View
American Savings Bank 32 offices in HI 98 200 Kamehameha Hwy, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.72%	Conventional, FHA, VA, Jumbo, HELOC	673 +626 HELOCs	5.5%	94.8%	$495,000	View
First Hawaiian Bank 44 offices in HI 98 1071 Moanalua Rd, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.55%	Conventional, VA, Jumbo, HELOC	402 +1,162 HELOCs	3.3%	89.6%	$495,000	View
Central Pacific Bank 27 offices in HI 98 150 Kaonohi St, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.64%	Conventional, FHA, VA, Jumbo, HELOC	317 +323 HELOCs	2.6%	81.5%	$485,000	View
Hawaii State Federal Credit Union Westridge Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 5.45%	Conventional, Jumbo, HELOC	158 +677 HELOCs	1.3%	93%	$495,000	View
Hawaiiusa FCU Aiea Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	137 +638 HELOCs	1.1%	94.7%	$485,000	View
Hawaiian Financial Federal Credit Union 2199 Kalia Rd, Honolulu, HI 96815 A+5.0 ★Texas Ratio: 2.38%	Conventional, Jumbo	124	1%	100%	$415,000	View
University of Hawaii FCU 2019 S King St, Honolulu, HI 96826 A+5.0 ★Texas Ratio: 1.05%	Conventional, Jumbo	95	0.8%	92.2%	$525,000	View
Mortgage Hawaii LLC 98 1059 Moanalua Rd, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.37%	Conventional, Jumbo	70	0.6%	98.6%	$625,000	View
Lokahi Federal Credit Union 98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707 A+5.0 ★Texas Ratio: 2.16%	Conventional, HELOC	29 +90 HELOCs	0.2%	51.8%	$95,000	View
Pearl Hawaii FCU 91 1401 Fort Weaver Rd Ste A102, Ewa Beach, HI 96706 2268 A+5.0 ★Texas Ratio: 1.89%	Conventional, Jumbo	18	0.1%	51.4%	$205,000	View
Aloha Pacific Federal Credit Union Waimalu Shopping Plaza, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.47%	Conventional, HELOC	15 +196 HELOCs	0.1%	93.8%	$505,000	View
Finance Factors Limited	Conventional, Jumbo	45	0.4%	82.1%	$755,000
Pacific Home Loans, Inc.	Conventional	35	0.3%	97.2%	$765,000
Bank of Hope 25 offices in HI 98 084 Kamehameha Hwy, Aiea, HI 96701 A+5.0 ★Texas Ratio: 4.07%	Conventional, Jumbo, HELOC	40 +7 HELOCs	0.3%	72.4%	$435,000	View
Royal Business Bank 1 office in HI 765 Bishop St, Honolulu, HI 96813 A5.0 ★Texas Ratio: 7.57%	Conventional	5	0%	100%	$805,000	View
Mechanics Bank 4 offices in HI 120 Waianuenue Ave, Hilo, HI 96720 A+5.0 ★Texas Ratio: 1.81%	Conventional, FHA, HELOC	4 +2 HELOCs	0%	57.1%	$245,000	View
First Ciitizens Bank and Trust 1 office in HI 600 Kapiolani Blvd Ste 203, Honolulu, HI 96813 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0%	100%	$1,075,000	View
Sunflower Bank, N.A. 1 office in HI A5.0 ★Texas Ratio: 10.77%	Conventional, VA, Jumbo	2	0%	66.7%	$1,195,000	View
United Wholesale Mortgage	Conventional, FHA, VA, USDA, Jumbo, HELOC	1,177 +23 HELOCs	9.6%	90%	$655,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	1,100 +1 HELOCs	9%	75.8%	$415,000
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	511	4.2%	84.6%	$675,000
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	423	3.4%	80%	$625,000
Mortgage Research Center	Conventional, FHA, VA, Jumbo	368	3%	78.4%	$545,000
Newrez LLC	Conventional, FHA, VA, Jumbo	367	3%	73.4%	$695,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, USDA, Jumbo, HELOC	364 +19 HELOCs	3%	93.9%	$615,000
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	348 +20 HELOCs	2.8%	96.8%	$615,000
loanDepot.com LLC	Conventional, FHA, VA, Jumbo	313	2.6%	75%	$455,000
Guild Mortgage Company	Conventional, FHA, VA, USDA, Jumbo	278	2.3%	91.1%	$495,000
The Loan Store, Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	267 +38 HELOCs	2.2%	92.3%	$605,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	260	2.1%	87.9%	$645,000
Nfm, Inc	Conventional, FHA, VA, Jumbo	225	1.8%	98.7%	$395,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	183 +134 HELOCs	1.5%	60.7%	$345,000
Kind Lending, LLC	Conventional, FHA, VA, USDA, Jumbo	135	1.1%	72%	$625,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA, Jumbo	116	0.9%	95.9%	$635,000	View
Nationstar Mortgage	Conventional, FHA, VA	114	0.9%	71.1%	$265,000
Paramount Residential Mortgage	Conventional, FHA, VA, USDA, Jumbo	96	0.8%	99%	$535,000
Securitynational Mortgage Company	Conventional, FHA, VA, USDA, Jumbo	95	0.8%	70.4%	$575,000
Citadel Servicing Corporation	Conventional, Jumbo	87	0.7%	99.1%	$545,000
Fairway Independent Mort Corp	Conventional, FHA, VA, USDA, Jumbo	84	0.7%	85.7%	$485,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA, Jumbo	75	0.6%	90.4%	$685,000	View
Canopy Mortgage, LLC	Conventional, FHA, VA, Jumbo	72	0.6%	97.3%	$515,000
Amerisave Mortgage Company	Conventional, FHA, VA	68	0.6%	25.4%	$95,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, USDA, Jumbo, HELOC	67 +8 HELOCs	0.5%	93.2%	$545,000
V.I.P. Mortgage, Inc.	Conventional, FHA, USDA, Jumbo	63	0.5%	94%	$505,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo	62	0.5%	87.3%	$855,000	View
Nexera Holding LLC	Conventional, Jumbo	60	0.5%	91%	$605,000
HomeBridge Financial Services, Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	58 +45 HELOCs	0.5%	64.4%	$555,000
HomeXpress Mortgage Corp.	Conventional, FHA, VA, Jumbo	54	0.4%	57.4%	$575,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	52	0.4%	91.4%	$1,005,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, VA, Jumbo, HELOC	49 +1 HELOCs	0.4%	90.7%	$635,000	View
Carrington Mortgage Services LLC	Conventional, FHA, VA, Jumbo	48	0.4%	54.7%	$585,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA, Jumbo	48	0.4%	60.5%	$565,000
JPMorgan Chase Bank, NA A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	47 +3 HELOCs	0.4%	66.7%	$1,175,000	View
Primary Residential Mortgage, INC.	Conventional, FHA, VA, Jumbo	47	0.4%	100%	$585,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA, Jumbo	47	0.4%	61.8%	$835,000	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	44 +3 HELOCs	0.4%	61.6%	$855,000	View
General Mortgage Capital Corporation	Conventional	41	0.3%	97.6%	$515,000
American Financial Network, Inc.	Conventional, FHA, VA, Jumbo	39	0.3%	87%	$555,000
Hightechlending, Inc	Conventional, FHA, VA	39	0.3%	95.1%	$545,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, VA, Jumbo	38	0.3%	92.7%	$735,000	View
Mason-McDuffie Mortgage Corporation	Conventional, FHA, VA, USDA, Jumbo	38	0.3%	88.4%	$705,000
AAA Capital Investment, Inc	Conventional, Jumbo	37	0.3%	94.4%	$705,000
Land Home Financial Services,	Conventional, VA, Jumbo	36	0.3%	92.7%	$435,000
Envoy Mortgage, Ltd	Conventional, VA, Jumbo	35	0.3%	89.7%	$575,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA, Jumbo	35	0.3%	66%	$665,000	View
American Pacific Mortgage Corporation	Conventional, FHA, VA	34	0.3%	82.9%	$385,000
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	34	0.3%	94.4%	$595,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	33 +15 HELOCs	0.3%	82.5%	$1,245,000	View
Click n' Close, Inc.	Conventional, FHA, USDA	29	0.2%	87.5%	$315,000
Lendsure Mortgage Corp.	Conventional, Jumbo	29	0.2%	97.1%	$745,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, USDA, Jumbo, HELOC	28 +4 HELOCs	0.2%	90.3%	$575,000
Planet Home Lending, LLC	Conventional, FHA, VA, Jumbo	28	0.2%	87.5%	$705,000
Primelending	Conventional, FHA, VA, USDA, Jumbo	27	0.2%	94.6%	$495,000
Champions Funding, LLC	Conventional, Jumbo	25	0.2%	59.5%	$585,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	24	0.2%	60.5%	$155,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	23	0.2%	92%	$995,000	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	23	0.2%	88.5%	$775,000	View
Logan Finance Corporation	Conventional, Jumbo	23	0.2%	92%	$455,000
Mutual of Omaha Mortgage	Conventional, FHA, VA, Jumbo	23	0.2%	67.6%	$605,000
Premier Mortgage Resources, LLC	Conventional, FHA, VA, Jumbo	22	0.2%	95.7%	$405,000
Deephaven Mortgage LLC	Conventional, Jumbo	22	0.2%	46.9%	$355,000
Pacific Lending LLC	Conventional, FHA, VA	20	0.2%	100%	$595,000
Cardinal Financial Company, Li	Conventional, FHA, VA	20	0.2%	92.9%	$375,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA, Jumbo	20	0.2%	56.8%	$625,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	19 +9 HELOCs	0.2%	65.5%	$555,000
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	19	0.2%	51.4%	$525,000
Village Capital & Investment	FHA, VA	19	0.2%	84.3%	$655,000
Sage Home Loans Corporation	Conventional, VA, Jumbo	18	0.1%	83.9%	$705,000
Sun West Mortgage Company, Inc	Conventional, FHA, VA	18	0.1%	79.3%	$795,000
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	17 +25 HELOCs	0.1%	40.5%	$715,000
HomeStreet Bank	Conventional, FHA, HELOC	17 +4 HELOCs	0.1%	65.4%	$305,000
Originpoint, LLC	Conventional, FHA, VA, Jumbo	17	0.1%	77.3%	$825,000
Better Mortgage Corporation	Conventional, FHA, HELOC	16 +12 HELOCs	0.1%	54.8%	$435,000
Alliant Credit Union	Conventional, Jumbo, HELOC	14 +3 HELOCs	0.1%	93.3%	$965,000
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	14 +2 HELOCs	0.1%	95.8%	$585,000
Alameda Mortgage Corporation	Conventional, FHA, VA, Jumbo	14	0.1%	93.3%	$495,000
Nbkc Bank	Conventional, VA	14	0.1%	70%	$605,000
Summit Funding.Inc	Conventional, FHA, Jumbo	14	0.1%	77.8%	$625,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	14	0.1%	100%	$755,000	View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	14	0.1%	78.9%	$1,215,000	View
Cornerstone First Mortgage, LLC	Conventional, VA, Jumbo	13	0.1%	86.7%	$705,000
Discover Bank	Conventional	13	0.1%	11.1%	$105,000
Das Acquisition Company, LLC	Conventional, FHA, VA, USDA, HELOC	12 +1 HELOCs	0.1%	93.3%	$375,000
PFN Lending Group, Inc.	Conventional, VA, Jumbo	12	0.1%	92.3%	$795,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	11 +4 HELOCs	0.1%	91.7%	$1,305,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	11	0.1%	76.5%	$965,000	View
ClearPath Lending	VA	10	0.1%	90.9%	$355,000
Greenbox Loans	Conventional, Jumbo	10	0.1%	90.9%	$1,045,000
ML Mortgage Corp.	Conventional, FHA, VA	9	0.1%	100%	$635,000
Lakeview Loan Servicing, LLC	VA	9	0.1%	81.8%	$615,000
Bay-Valley Mortgage Group	Conventional, VA, Jumbo	9	0.1%	100%	$925,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	9	0.1%	90%	$1,005,000	View
Zillow Home Loans, LLC	Conventional, FHA	9	0.1%	75%	$405,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	8 +3 HELOCs	0.1%	80%	$1,095,000	View
Fundloans Capital	Conventional, Jumbo	8	0.1%	100%	$605,000
Oaktree Funding Corp	Conventional, Jumbo	8	0.1%	100%	$1,045,000
Ocmbc, Inc.	Conventional, FHA, VA, Jumbo	8	0.1%	73.3%	$505,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA, Jumbo	8	0.1%	88.9%	$805,000	View
Arc Home LLC	Conventional, Jumbo	7	0.1%	70%	$1,085,000
Home Mortgage Alliance Corp (Hmac)	Conventional, Jumbo	7	0.1%	70%	$575,000
Synergy One Lending, Inc.	Conventional	7	0.1%	88.9%	$625,000
New Wave Lending Group Inc	Conventional, Jumbo	7	0.1%	100%	$305,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	7	0.1%	87.5%	$565,000	View
RBC Bank (Georgia), N.A.	Conventional, Jumbo, HELOC	6 +5 HELOCs	0%	100%	$665,000
Guaranteed Rate Affinity, LLC	Conventional, VA, Jumbo	6	0%	75%	$705,000
American Financing Corporation	Conventional, FHA, VA	6	0%	17.8%	$505,000
New Day Financial, LLC.	VA	6	0%	21.1%	$325,000
1St 2Nd Mortgage Company of N.J., Inc.	Conventional	6	0%	100%	$865,000
Equity Prime Mortgage LLC	VA	5	0%	100%	$705,000
Bay Equity LLC	Conventional	5	0%	83.3%	$805,000
Calcon Mutual Mortgage LLC	Conventional, FHA	5	0%	71.4%	$285,000
Foundation Mortgage Corporation	Conventional, Jumbo	5	0%	86.7%	$465,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional	5	0%	62.5%	$405,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, VA, Jumbo, HELOC	4 +5 HELOCs	0%	26.7%	$875,000	View
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	4	0%	100%	$1,405,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	4	0%	100%	$495,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	4	0%	100%	$365,000
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	4	0%	80%	$3,575,000	View
Baxter Credit Union	Conventional	4	0%	85.7%	$315,000
The Northern Trust Co A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	4	0%	100%	$2,005,000	View
Genway Home Mortgage, Inc.	FHA, VA	4	0%	36.4%	$465,000
Nmsi, Inc.	Conventional	4	0%	100%	$665,000
Geneva Financial LLC	VA, Jumbo, HELOC	3 +1 HELOCs	0%	100%	$415,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional, VA	3	0%	100%	$875,000	View
City 1st Mortgage Services, LC	Conventional, VA	3	0%	100%	$805,000
JMJ Financial Group Inc.	Conventional, VA	3	0%	100%	$1,075,000
Flexpoint, Inc.	Conventional	3	0%	83.3%	$515,000
Nations Lending Corporation	Conventional, FHA, VA	3	0%	100%	$385,000
Franklin Loan Corporation	Conventional	3	0%	100%	$415,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA, Jumbo	3	0%	75%	$1,435,000	View
Ilwu Federal Credit Union	Conventional	3	0%	60%	$75,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	3	0%	60%	$565,000	View
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	3	0%	100%	$765,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	3	0%	75%	$375,000	View
Cake Mortgage Corp.	Conventional, Jumbo	3	0%	100%	$1,385,000
American Airlines Federal Cred	Conventional	2	0%	100%	$275,000
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	Conventional	2	0%	100%	$435,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	2	0%	100%	$825,000	View
MortgageOne, Inc	Conventional, VA, Jumbo	2	0%	100%	$755,000
Advancial Federal Credit Union	Conventional	2	0%	100%	$535,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	2	0%	100%	$695,000	View
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	2	0%	100%	$495,000	View
Woodford State Bank A-4.3 ★Texas Ratio: 4.34%	Conventional, Jumbo	2	0%	100%	$6,405,000	View
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	2	0%	100%	$485,000	View
Castle & Cooke Mortgage, LLC	Conventional	2	0%	50%	$685,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	VA	2	0%	100%	$925,000	View
Firefighters First Federal Credit Union	Conventional	2	0%	75%	$225,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, VA	2	0%	66.7%	$455,000	View
Northrop Grumman Federal Credit Union	Conventional	2	0%	100%	$385,000
Servbank, N.A. A+5.0 ★Texas Ratio: 3.26%	VA	2	0%	33.3%	$675,000	View
Star One Credit Union	Conventional	2	0%	100%	$305,000
Stanford Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$1,005,000
Nuvision Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$865,000
State Departmenet Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$445,000
American Pride Bank A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0%	50%	$285,000	View
Southwest Airlines FCU	Conventional	1	0%	100%	$405,000
First State Bank A5.0 ★Texas Ratio: 6.84%	Conventional, Jumbo	1	0%	100%	$1,995,000	View
First Western Trust Bank A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0%	100%	$755,000	View
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0%	100%	$8,505,000	View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$325,000	View
First Bank A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0%	50%	$335,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$355,000
Brighton Bank	Conventional	1	0%	100%	$905,000
Climate First Bank A+5.0 ★Texas Ratio: 1.15%	Conventional, Jumbo	1	0%	100%	$1,785,000	View
Milo Credit, LLC	Conventional	1	0%	100%	$1,005,000
Tower Federal Credit Union	Conventional	1	0%	100%	$665,000
Mortgage Bank of California	Conventional	1	0%	100%	$1,005,000
Northwest Federal Credit Union	Conventional	1	0%	100%	$1,175,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$185,000	View
American Internet Mortgage, Inc.	Conventional	1	0%	50%	$445,000
The Bennington State Bank A+5.0 ★Texas Ratio: 1.98%	Conventional, Jumbo	1	0%	100%	$2,095,000	View
NBH Bank A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	1	0%	100%	$5,005,000	View
Pcb Bank A+5.0 ★Texas Ratio: 2.25%	Conventional, Jumbo	1	0%	100%	$2,205,000	View
Bank First N.A. A+5.0 ★Texas Ratio: 3.47%	Conventional, Jumbo	1	0%	100%	$1,395,000	View
Teachers Federal Credit Union	Conventional, Jumbo	1	0%	100%	$3,335,000
The Camden National Bank A+5.0 ★Texas Ratio: 1.50%	Conventional	1	0%	100%	$1,045,000	View
SouthStar Bank SSB ★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.03%	Conventional	1	0%	100%	$465,000	View
First Community Bank B+4.8 ★Texas Ratio: 17.04%	Conventional	1	0%	100%	$645,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$675,000	View
Affinity Federal Credit Union	Conventional	1	0%	100%	$515,000
Paramount Bank A5.0 ★Texas Ratio: 8.70%	Conventional	1	0%	100%	$215,000	View
Andrews Federal Credit Union	Conventional	1	0%	100%	$315,000
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$255,000	View
Vermillion State Bank A+5.0 ★Texas Ratio: 1.51%	Conventional	1	0%	100%	$865,000	View
Wescom Central Credit Union	Conventional	1	0%	50%	$365,000
Farm Credit Mid-America, Aca	Conventional	1	0%	100%	$425,000
First Liberty Bank A+5.0 ★Texas Ratio: 0.50%	VA	1	0%	100%	$595,000	View
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	VA	1	0%	100%	$805,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	Conventional, Jumbo	1	0%	100%	$3,005,000	View
United Nations Federal CU	Conventional	1	0%	50%	$925,000
Texana Bank	VA	1	0%	33.3%	$1,155,000
Plainscapital Bank A+5.0 ★Texas Ratio: 4.03%	Conventional	1	0%	100%	$355,000	View
Operating Engineers Federal Credit Union	Conventional	1	0%	100%	$455,000
Farmers Bank and Trust Company A+5.0 ★Texas Ratio: 2.10%	Conventional	1	0%	100%	$155,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0%	100%	$755,000	View
Royal Credit Union A5.0 ★Texas Ratio: 7.57%	VA	1	0%	100%	$315,000	View
Quorum Federal Credit Union	HELOC	0 +12 HELOCs	0%	0%
Consolidated Community Credit	HELOC	0 +2 HELOCs	0%	n/a
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	HELOC	0 +2 HELOCs	0%	0%		View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Washington Trust Bank A+5.0 ★Texas Ratio: 4.63%	HELOC	0 +1 HELOCs	0%	n/a		View
Kinecta Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Umb Bank NA A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +1 HELOCs	0%	0%		View
Southern Bank and Trust Company A+5.0 ★Texas Ratio: 1.13%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Hawaii Mortgage Rate Trends

Daily average mortgage rates for Hawaii compared with the national average, updated every evening.

30-Year Fixed HI Avg

7.280%

▲ 0.093 vs 7 days ago

15-Year Fixed HI Avg

6.678%

▲ 0.025 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Hawaii

Looking for mortgage lenders near me or mortgage brokers near me in Hawaii? Choose your city below to see the banks, credit unions and mortgage brokers that closed home loans there in 2025.

Types of Mortgage Lenders in Hawaii

Use these to narrow the list above. Each category shows how many Hawaii lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 101 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 91 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 36 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 67 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 95 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 18 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 114 lenders. Loans above the conforming limit for higher priced homes Local lenders based in HI 14 lenders headquartered in Hawaii, the closest thing to a mortgage lender near you

Who Lends in Hawaii

Independent mortgage companies closed 68 percent of home loans in Hawaii in 2025, banks 25.3 percent and credit unions 6.7 percent. Pacific Home Loans, Inc. was the largest mortgage company, Bank of Hawaii the largest bank and Hawaii State Federal Credit Union the largest credit union. Among lenders headquartered in Hawaii, Bank of Hawaii led with 720 loans.

68%

Mortgage companies

25.3%

Banks

6.7%

Credit unions

FHA loans

25%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Hawaii. State conveyance tax paid by the seller on a sliding scale from $0.10 per $100 (under $600,000) up to $1.00 per $100 (over $10 million) for buyers who will claim a homeowner exemption, and $0.15 to $1.25 per $100 for other buyers; no mortgage recording tax. A 2026 bill to move to marginal rates (SB 3028) died in conference.

More Hawaii Mortgage Lenders and Brokers

Each city page ranks the lenders that closed loans inside that city and flags lenders based there. Every city with home loans closed there in 2025 is listed.

Urban Honolulu 129 lenders East Kapolei 55 lenders Ewa Gentry 63 lenders Kailua 76 lenders East Honolulu 76 lenders Hilo 65 lenders Pearl City 61 lenders Mililani Town 55 lenders Kaneohe 57 lenders Kailua 72 lenders Hawaiian Paradise Park 61 lenders Ocean Pointe 56 lenders Ainaloa 56 lenders Kapolei 50 lenders Makakilo 48 lenders Kihei 56 lenders Waipio 36 lenders Waipahu 48 lenders Mililani Mauka 49 lenders Waimalu 51 lenders Wailuku 44 lenders Maili 38 lenders Kahului 42 lenders Kaiminani 48 lenders Wahiawa 39 lenders Royal Kunia 38 lenders Waikoloa Beach Resort 50 lenders Hawaiian Ocean View 39 lenders Makaha 41 lenders Waipio Acres 34 lenders Waimea 41 lenders Waianae 39 lenders Wailea 39 lenders Waikoloa Village 37 lenders Ewa Beach 37 lenders Makawao 33 lenders Nanakuli 33 lenders Kalaheo 29 lenders Waikele 28 lenders Eden Roc 30 lenders Kalaeloa 5 lenders Lihue 34 lenders Halawa 32 lenders Kahaluu-Keauhou 43 lenders Lawai 33 lenders Mountain View 30 lenders Heeia 27 lenders Ahuimanu 25 lenders Waikapu 27 lenders Aiea 32 lenders Hawi 34 lenders Kapaa 25 lenders Haiku-Pauwela 33 lenders Pukalani 25 lenders Papaikou 26 lenders Hawaiian Acres 23 lenders Honaunau-Napoopoo 22 lenders Nanawale Estates 22 lenders Kula 26 lenders Hanamaulu 22 lenders Ko Olina 25 lenders Princeville 24 lenders Kekaha 20 lenders Napili-Honokowai 28 lenders Ewa Villages 18 lenders Kurtistown 21 lenders Holualoa 25 lenders Wailua 27 lenders Koloa 19 lenders Haleiwa 22 lenders Waihee-Waiehu 23 lenders West Loch Estate 18 lenders Hauula 21 lenders Kaunakakai 17 lenders Wailua Homesteads 21 lenders Kaanapali 16 lenders Pupukea 20 lenders Honokaa 18 lenders Mokuleia 17 lenders Kilauea 17 lenders Paauilo 12 lenders Waialua 16 lenders Waiahole-Waikane 15 lenders Anahola 16 lenders Captain Cook 12 lenders Keokea 16 lenders Laupahoehoe 12 lenders Waimanalo 10 lenders Hanapepe 12 lenders Kaaawa 12 lenders Kahuku 12 lenders Kapalua 16 lenders Laie 13 lenders Lahaina 11 lenders Launiupoko 13 lenders Whitmore Village 10 lenders Paia 12 lenders Punaluu 10 lenders Wainaku 10 lenders Leilani Estates 9 lenders Kualapuu 6 lenders Lanai City 6 lenders Waimanalo Beach 10 lenders Hana 4 lenders Black Sands 5 lenders Hanalei 5 lenders

Frequently Asked Questions About Mortgage Lenders in Hawaii

Who is the largest mortgage lender in Hawaii?

By home loans closed in 2025, Bank of Hawaii was the largest mortgage lender in Hawaii with 720 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Hawaii have the highest approval rates?

Among lenders with meaningful volume in Hawaii, Hawaiian Financial Federal Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 81.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Hawaii mortgage lenders offer FHA, VA and USDA loans?

67 lenders closed FHA loans in Hawaii in 2025, led by Freedom Mortgage Corporation with 71. 95 lenders closed VA loans, led by United Wholesale Mortgage, and 18 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Hawaii lender list?

Yes. 91 banks and 36 credit unions closed home loans in Hawaii in 2025, alongside 101 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Hawaii ranked on this page?

Lenders are ranked only by the number of home loans they closed in Hawaii during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Hawaii for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.