Mortgage Lenders and Brokers in Kailua, 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
Kailua, Hawaii mortgage lenders include Bank of HawaiiBank of Hawaii636 Kailua Rd, Kailua, HI 96734A+5.0 ★Texas Ratio: 1.37%, Central Pacific BankCentral Pacific Bank6 Hoolai St, Kailua, HI 96734A+5.0 ★Texas Ratio: 2.64%, American Savings BankAmerican Savings Bank200 Hamakua Dr, Kailua, HI 96734A+5.0 ★Texas Ratio: 1.72%, First Hawaiian BankFirst Hawaiian Bank705 Kailua Rd, Kailua, HI 96734A+5.0 ★Texas Ratio: 1.55%, 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%, Finance Factors LimitedFinance Factors LimitedHonolulu, HI, Pacific Home Loans, Inc.Pacific Home Loans, Inc.Kihei, HI, Rocket Mortgage, and United Wholesale Mortgage. 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 Kailua, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kailua 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 Kailua, Hawaii
Market share is the lender's share of all home loans closed in Kailua, 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 Kailua 636 Kailua Rd, Kailua, HI 96734 A+5.0 ★Texas Ratio: 1.37% |
Conventional, FHA, HELOC | 7 +12 HELOCs |
2.6% | 100% | $566,428 | View |
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1 office in Kailua 6 Hoolai St, Kailua, HI 96734 A+5.0 ★Texas Ratio: 2.64% |
Conventional, Jumbo, HELOC | 3 +5 HELOCs |
1.1% | 80% | $955,000 | View |
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1 office in Kailua 200 Hamakua Dr, Kailua, HI 96734 A+5.0 ★Texas Ratio: 1.72% |
Conventional, Jumbo, HELOC | 2 +11 HELOCs |
0.8% | 66.7% | $975,000 | View |
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1 office in Kailua 705 Kailua Rd, Kailua, HI 96734 A+5.0 ★Texas Ratio: 1.55% |
Conventional, HELOC | 1 +15 HELOCs |
0.4% | 50% | $215,000 | View |
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Westridge Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 5.45% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $375,000 | View |
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Aiea Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.4% | 100% | $605,000 | View |
Finance Factors Limited
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Conventional, Jumbo | 3 | 1.1% | 75% | $858,333 | |
Pacific Home Loans, Inc.
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Conventional | 1 | 0.4% | 100% | $975,000 | |
Rocket Mortgage
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Conventional, VA | 28 | 10.6% | 84.8% | $405,714 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 22 +1 HELOCs |
8.3% | 81.5% | $1,043,181 | |
Nfm, Inc
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Conventional, FHA, Jumbo | 21 | 7.9% | 95.5% | $568,809 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA, Jumbo | 14 | 5.3% | 93.3% | $552,857 | |
Guild Mortgage Company
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Conventional, VA | 11 | 4.2% | 91.7% | $590,454 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 9 | 3.4% | 100% | $482,777 | |
Newrez LLC
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Conventional, VA, Jumbo | 9 | 3.4% | 90% | $729,444 | |
Cmg Mortgage Inc
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Conventional, VA, HELOC | 8 +1 HELOCs |
3% | 100% | $593,750 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 7 +1 HELOCs |
2.6% | 100% | $702,142 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA, Jumbo | 7 | 2.6% | 100% | $780,714 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 6 +1 HELOCs |
2.3% | 100% | $533,333 | |
Mortgage Research Center
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VA, Jumbo | 6 | 2.3% | 85.7% | $730,000 | |
Nexera Holding LLC
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Conventional, Jumbo | 6 | 2.3% | 100% | $953,333 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 5 | 1.9% | 100% | $681,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 5 | 1.9% | 100% | $821,000 | View |
The Loan Store, Inc
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Conventional, FHA | 5 | 1.9% | 100% | $569,000 | |
Primelending
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Conventional, VA, Jumbo | 4 | 1.5% | 100% | $905,000 | |
loanDepot.com LLC
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Conventional | 4 | 1.5% | 80% | $457,500 | |
HomeXpress Mortgage Corp.
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Conventional, Jumbo | 4 | 1.5% | 66.7% | $795,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 4 | 1.5% | 100% | $1,067,500 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 1.1% | 75% | $1,545,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 1.1% | 100% | $911,666 | View |
Kind Lending, LLC
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Conventional | 3 | 1.1% | 100% | $665,000 | |
Summit Funding.Inc
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Conventional, FHA | 3 | 1.1% | 75% | $595,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.1% | 42.9% | $778,333 | |
Angel Oak Mortgage Solutions LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.8% | 50% | $440,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.8% | 40% | $335,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.8% | 60% | $165,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 2 | 0.8% | 100% | $985,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.8% | 100% | $830,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.8% | 100% | $740,000 | View |
Champions Funding, LLC
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Conventional | 2 | 0.8% | 100% | $470,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $585,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $465,000 | View |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $4,385,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $905,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.4% | 50% | $1,215,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.4% | 100% | $875,000 | View |
AAA Capital Investment, Inc
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Conventional | 1 | 0.4% | 100% | $615,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 50% | $745,000 | |
Pacific Lending LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,345,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 25% | $35,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,405,000 | |
Hightechlending, Inc
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Conventional | 1 | 0.4% | 100% | $465,000 | |
ClearPath Lending
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VA | 1 | 0.4% | 100% | $355,000 | |
Greenbox Loans
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Conventional | 1 | 0.4% | 100% | $1,045,000 | |
Land Home Financial Services,
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VA | 1 | 0.4% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $695,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Baxter Credit Union
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Conventional | 1 | 0.4% | 100% | $495,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $295,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 50% | $335,000 | View |
Logan Finance Corporation
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.4% | 100% | $5,005,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.4% | 33.3% | $835,000 | |
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A+5.0 ★Texas Ratio: 4.03% |
Conventional | 1 | 0.4% | 100% | $355,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.4% | 33.3% | $455,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Kailua 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 Kailua, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Kailua? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kailua in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kailua, HI
Use these to narrow the list above. Each category shows how many Kailua, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Kailua, HI
Independent mortgage companies closed 79.6 percent of home loans in Kailua, Hawaii in 2025, banks 17.7 percent and credit unions 2.6 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 7 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 Kailua, HI
By home loans closed in 2025, Bank of Hawaii was the largest mortgage lender in Kailua, Hawaii with 7 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Kailua, Hawaii in 2025, led by Pennymac Loan Services LLC with 3. 12 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. 24 banks and 5 credit unions closed home loans in Kailua, Hawaii in 2025, alongside 45 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 Kailua, 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 Kailua, 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 Kailua. 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.
