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%, American Savings BankAmerican Savings Bank200 Hamakua Dr, Kailua, HI 96734A+5.0 ★Texas Ratio: 1.72%, Central Pacific BankCentral Pacific Bank6 Hoolai St, Kailua, HI 96734A+5.0 ★Texas Ratio: 2.64%, First Hawaiian BankFirst Hawaiian Bank705 Kailua Rd, Kailua, HI 96734A+5.0 ★Texas Ratio: 1.55%, Hawaiiusa FCUHawaiiusa FCUAiea Shopping Center, Aiea, HI 96701A+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%, Mortgage Hawaii LLCMortgage Hawaii LLC636 Kailua Rd, Kailua, HI 96734A+5.0 ★Texas Ratio: 1.37%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union2199 Kalia Rd, Honolulu, HI 96815A+5.0 ★Texas Ratio: 2.38%, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union200 Hamakua Dr Ste B6, Kailua, HI 96734A+5.0 ★Texas Ratio: 2.47%, and Hawaii State Federal Credit UnionHawaii State Federal Credit UnionWestridge Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 5.45%. 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, Jumbo, HELOC | 29 +57 HELOCs |
8.3% | 93.5% | $1,235,344 | View |
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1 office in Kailua 200 Hamakua Dr, Kailua, HI 96734 A+5.0 ★Texas Ratio: 1.72% |
Conventional, VA, Jumbo, HELOC | 9 +27 HELOCs |
2.6% | 100% | $910,555 | 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 | 7 +25 HELOCs |
2% | 100% | $1,052,142 | View |
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1 office in Kailua 705 Kailua Rd, Kailua, HI 96734 A+5.0 ★Texas Ratio: 1.55% |
Conventional, Jumbo, HELOC | 3 +41 HELOCs |
0.9% | 66.7% | $645,000 | View |
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Aiea Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo, HELOC | 4 +12 HELOCs |
1.1% | 100% | $967,500 | View |
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2019 S King St, Honolulu, HI 96826 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 3 | 0.9% | 100% | $731,666 | View |
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636 Kailua Rd, Kailua, HI 96734 A+5.0 ★Texas Ratio: 1.37% |
Conventional, Jumbo | 3 | 0.9% | 100% | $925,000 | View |
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2199 Kalia Rd, Honolulu, HI 96815 A+5.0 ★Texas Ratio: 2.38% |
Conventional, Jumbo | 3 | 0.9% | 100% | $3,451,666 | View |
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200 Hamakua Dr Ste B6, Kailua, HI 96734 A+5.0 ★Texas Ratio: 2.47% |
Conventional, HELOC | 1 +18 HELOCs |
0.3% | 100% | $285,000 | View |
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Westridge Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 5.45% |
Conventional, HELOC | 1 +16 HELOCs |
0.3% | 100% | $1,205,000 | View |
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91 1401 Fort Weaver Rd Ste A102, Ewa Beach, HI 96706 2268 A+5.0 ★Texas Ratio: 1.89% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707 A+5.0 ★Texas Ratio: 2.16% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Finance Factors Limited
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Conventional, Jumbo | 4 | 1.1% | 100% | $1,157,500 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 38 +1 HELOCs |
10.8% | 88.6% | $1,160,789 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 28 | 8% | 93.5% | $1,271,071 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 27 | 7.7% | 68.3% | $810,185 | |
Newrez LLC
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Conventional, VA, Jumbo | 22 | 6.3% | 91.7% | $1,282,272 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 17 | 4.8% | 81.8% | $1,028,529 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, Jumbo | 13 | 3.7% | 100% | $1,251,153 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo, HELOC | 10 +10 HELOCs |
2.8% | 71.4% | $414,000 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 10 | 2.8% | 100% | $1,062,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA, Jumbo | 9 | 2.6% | 100% | $862,777 | View |
Guild Mortgage Company
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Conventional, Jumbo | 7 | 2% | 77.8% | $893,571 | |
Mortgage Research Center
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VA, Jumbo | 7 | 2% | 77.8% | $1,296,428 | |
The Loan Store, Inc
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Conventional, HELOC | 6 +1 HELOCs |
1.7% | 88.9% | $535,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 6 | 1.7% | 100% | $1,043,333 | View |
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A+5.0 ★Texas Ratio: 4.11% |
VA, Jumbo | 5 | 1.4% | 83.3% | $1,109,000 | View |
loanDepot.com LLC
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Conventional, VA, Jumbo | 5 | 1.4% | 71.4% | $1,059,000 | |
HomeBridge Financial Services, Inc
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Conventional, VA, Jumbo, HELOC | 3 +3 HELOCs |
0.9% | 100% | $1,258,333 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.9% | 100% | $1,851,666 | View |
Cornerstone First Mortgage, LLC
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Conventional, Jumbo | 3 | 0.9% | 100% | $2,101,666 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 0.9% | 100% | $2,598,333 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 0.9% | 100% | $1,485,000 | View |
Citadel Servicing Corporation
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Conventional, Jumbo | 3 | 0.9% | 100% | $1,381,666 | |
Paramount Residential Mortgage
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Conventional | 3 | 0.9% | 100% | $335,000 | |
Fundloans Capital
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Conventional | 2 | 0.6% | 100% | $950,000 | |
Primary Residential Mortgage, INC.
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Conventional, VA, Jumbo | 2 | 0.6% | 100% | $1,025,000 | |
Sage Home Loans Corporation
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,325,000 | |
Pacific Lending LLC
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Conventional | 2 | 0.6% | 100% | $1,015,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,710,000 | View |
Nationstar Mortgage
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VA | 2 | 0.6% | 66.7% | $800,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 0.6% | 100% | $1,000,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 66.7% | $300,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 2 | 0.6% | 66.7% | $955,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $1,175,000 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,205,000 | |
Originpoint, LLC
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Conventional | 1 | 0.3% | 100% | $945,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.3% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.3% | 100% | $1,145,000 | View |
Canopy Mortgage, LLC
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VA, Jumbo | 1 | 0.3% | 100% | $1,565,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
Envoy Mortgage, Ltd
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,385,000 | |
Kind Lending, LLC
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Conventional, Jumbo | 1 | 0.3% | 33.3% | $1,745,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $1,015,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $805,000 | |
American Financial Network, Inc.
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VA | 1 | 0.3% | 100% | $785,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $555,000 | View |
Ocmbc, Inc.
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Conventional | 1 | 0.3% | 100% | $285,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $1,175,000 | |
JMJ Financial Group Inc.
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Conventional | 1 | 0.3% | 100% | $1,085,000 | |
Greenbox Loans
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Conventional, Jumbo | 1 | 0.3% | 50% | $2,925,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $385,000 | View |
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A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.3% | 100% | $1,035,000 | View |
Planet Home Lending, LLC
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VA, Jumbo | 1 | 0.3% | 100% | $1,785,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $505,000 | |
Baxter Credit Union
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Conventional | 1 | 0.3% | 100% | $65,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $645,000 | View |
Logan Finance Corporation
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Conventional | 1 | 0.3% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
VA | 1 | 0.3% | 100% | $455,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.3% | 100% | $1,005,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $605,000 | |
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C-3.6 ★Texas Ratio: 31.27% |
VA | 1 | 0.3% | 100% | $805,000 | View |
Stanford Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $1,005,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $1,195,000 | View |
Texana Bank
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VA | 1 | 0.3% | 100% | $1,155,000 | |
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A+5.0 ★Texas Ratio: 3.26% |
VA | 1 | 0.3% | 100% | $715,000 | View |
Better Mortgage Corporation
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Sierra Pacific Mortgage Co. Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
State Departmenet Federal Credit Union
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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 64.7 percent of home loans in Kailua, Hawaii in 2025, banks 28.2 percent and credit unions 7.1 percent. United Wholesale Mortgage was the largest mortgage company, Bank of Hawaii the largest bank and Hawaiiusa FCU the largest credit union. Among lenders headquartered in Hawaii, Bank of Hawaii led with 29 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 29 loans, about 8.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Kailua, Hawaii in 2025, led by Cmg Mortgage Inc with 1. 26 lenders closed VA loans, led by United Wholesale Mortgage. 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. 29 banks and 12 credit unions closed home loans in Kailua, Hawaii in 2025, alongside 42 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.
