Mortgage Lenders and Brokers in Hilo, Hawaii
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Hilo, Hawaii mortgage lenders include American Savings BankAmerican Savings Bank100 Pauahi St, Hilo, HI 96720A+5.0 ★Texas Ratio: 1.72%, Bank of HawaiiBank of Hawaii50 E Puainako St, Hilo, HI 96720A+5.0 ★Texas Ratio: 1.37%, First Hawaiian BankFirst Hawaiian Bank111 E Puainako St, Hilo, HI 96720A+5.0 ★Texas Ratio: 1.55%, Central Pacific BankCentral Pacific Bank525 Kilauea Ave, Hilo, HI 96720A+5.0 ★Texas Ratio: 2.64%, Mechanics BankMechanics Bank120 Waianuenue Ave, Hilo, HI 96720A+5.0 ★Texas Ratio: 1.81%, Bank of HopeBank of Hope315 E Makaala St, Hilo, HI 96720A+5.0 ★Texas Ratio: 4.07%, Hawaiiusa FCUHawaiiusa FCU375 Kekuanaoa St, Hilo, HI 96720A+5.0 ★Texas Ratio: 2.02%, University of Hawaii FCUUniversity of Hawaii FCU2019 S King St, Honolulu, HI 96826A+5.0 ★Texas Ratio: 1.05%, Hawaii State Federal Credit UnionHawaii State Federal Credit UnionWestridge Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 5.45%, and Finance Factors LimitedFinance Factors LimitedHonolulu, HI. 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 Hilo, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hilo are listed first, then lenders elsewhere in Hawaii, 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 Hilo, Hawaii
Market share is the lender's share of all home loans closed in Hilo, Hawaii. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Hilo 100 Pauahi St, Hilo, HI 96720 A+5.0 ★Texas Ratio: 1.72% |
Conventional, HELOC | 15 +25 HELOCs |
5.3% | 88.2% | $445,666 | View |
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2 offices in Hilo 50 E Puainako St, Hilo, HI 96720 A+5.0 ★Texas Ratio: 1.37% |
Conventional, FHA, HELOC | 12 +34 HELOCs |
4.3% | 100% | $490,833 | View |
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2 offices in Hilo 111 E Puainako St, Hilo, HI 96720 A+5.0 ★Texas Ratio: 1.55% |
Conventional, HELOC | 10 +34 HELOCs |
3.5% | 84.6% | $302,000 | View |
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1 office in Hilo 525 Kilauea Ave, Hilo, HI 96720 A+5.0 ★Texas Ratio: 2.64% |
Conventional, FHA, HELOC | 7 +17 HELOCs |
2.5% | 77.8% | $373,571 | View |
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1 office in Hilo 120 Waianuenue Ave, Hilo, HI 96720 A+5.0 ★Texas Ratio: 1.81% |
Conventional, FHA | 2 | 0.7% | 50% | $255,000 | View |
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1 office in Hilo 315 E Makaala St, Hilo, HI 96720 A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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375 Kekuanaoa St, Hilo, HI 96720 A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 2 +12 HELOCs |
0.7% | 100% | $415,000 | View |
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2019 S King St, Honolulu, HI 96826 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
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Westridge Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 5.45% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Finance Factors Limited
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Conventional | 3 | 1.1% | 100% | $218,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 52 | 18.4% | 75.7% | $338,076 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 29 | 10.3% | 90.9% | $533,965 | |
Guild Mortgage Company
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Conventional, FHA, VA | 11 | 3.9% | 100% | $564,090 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 10 | 3.5% | 84.6% | $507,000 | |
Nfm, Inc
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Conventional | 10 | 3.5% | 100% | $393,000 | |
Cmg Mortgage Inc
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Conventional, VA | 8 | 2.8% | 100% | $460,000 | |
Nationstar Mortgage
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Conventional, FHA | 6 | 2.1% | 85.7% | $248,333 | |
Mortgage Research Center
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VA | 6 | 2.1% | 85.7% | $560,000 | |
Mason-McDuffie Mortgage Corporation
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FHA, VA | 6 | 2.1% | 85.7% | $586,666 | |
Guaranteed Rate, Inc.
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Conventional, VA, HELOC | 5 +1 HELOCs |
1.8% | 100% | $649,000 | |
loanDepot.com LLC
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Conventional, VA | 5 | 1.8% | 83.3% | $281,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 1.8% | 75% | $377,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 4 | 1.4% | 100% | $367,500 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 1.4% | 66.7% | $327,500 | |
HomeStreet Bank
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Conventional, FHA | 4 | 1.4% | 66.7% | $202,500 | |
Amerisave Mortgage Company
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Conventional, VA | 4 | 1.4% | 36.4% | $80,000 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 4 | 1.4% | 100% | $415,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +3 HELOCs |
1.1% | 100% | $221,666 | |
Kind Lending, LLC
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Conventional, VA | 3 | 1.1% | 60% | $535,000 | |
Citadel Servicing Corporation
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Conventional | 3 | 1.1% | 100% | $605,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.1% | 100% | $411,666 | |
Alliant Credit Union
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Conventional | 2 | 0.7% | 100% | $615,000 | |
Premier Mortgage Resources, LLC
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Conventional | 2 | 0.7% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 66.7% | $360,000 | View |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.7% | 100% | $250,000 | |
Click n' Close, Inc.
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FHA | 2 | 0.7% | 100% | $420,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.7% | 100% | $460,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.7% | 100% | $480,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.7% | 66.7% | $660,000 | View |
Nexera Holding LLC
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Conventional | 2 | 0.7% | 100% | $625,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $135,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $625,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Advancial Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 66.7% | $95,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $575,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 25% | $55,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.4% | 100% | $645,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $725,000 | View |
Ilwu Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $785,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
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A5.0 ★Texas Ratio: 8.70% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Better Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $295,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.4% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $735,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.4% | 100% | $585,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.4% | 100% | $485,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $675,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 66.7% | $145,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.4% | 100% | $425,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $375,000 | |
Kinecta Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Hilo Mortgage Rate Trends
Daily average mortgage rates for Hawaii compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Hilo, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Hilo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hilo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hilo, HI
Use these to narrow the list above. Each category shows how many Hilo, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Hilo, HI
Independent mortgage companies closed 72.7 percent of home loans in Hilo, Hawaii in 2025, banks 23.8 percent and credit unions 3.5 percent. Rocket Mortgage was the largest mortgage company, American Savings Bank the largest bank and Hawaiiusa FCU the largest credit union. Among lenders headquartered in Hawaii, American Savings Bank led with 15 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 Lender Pages
Frequently Asked Questions About Mortgage Lenders in Hilo, HI
By home loans closed in 2025, American Savings Bank was the largest mortgage lender in Hilo, Hawaii with 15 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Hilo, Hawaii, Rocket Mortgage approved the highest share of completed applications in 2025 at 75.7 percent, against a 83.9 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.
23 lenders closed FHA loans in Hilo, Hawaii in 2025, led by United Wholesale Mortgage with 9. 14 lenders closed VA loans, led by Mortgage Research Center. 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.
Yes. 19 banks and 9 credit unions closed home loans in Hilo, Hawaii in 2025, alongside 40 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.
Lenders are ranked only by the number of home loans they closed in Hilo, 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 Hilo, 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. City figures use the Census tracts that make up Hilo. 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.
