Mortgage Lenders and Brokers in Kapolei, 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
Kapolei, Hawaii mortgage lenders include Bank of HawaiiBank of Hawaii4480 Kapolei Pkwy, Kapolei, HI 96707A+5.0 ★Texas Ratio: 1.37%, American Savings BankAmerican Savings Bank888 Wakea St, Kapolei, HI 96707A+5.0 ★Texas Ratio: 1.72%, First Hawaiian BankFirst Hawaiian Bank590 Farrington Hwy, Kapolei, HI 96707A+5.0 ★Texas Ratio: 1.55%, Central Pacific BankCentral Pacific Bank680 Kamokila Blvd, Kapolei, HI 96707A+5.0 ★Texas Ratio: 2.64%, Hawaii State Federal Credit UnionHawaii State Federal Credit Union91 590 Farrington Highway 140, Kapolei, HI 96707A+5.0 ★Texas Ratio: 5.45%, Mortgage Hawaii LLCMortgage Hawaii LLC4480 Kapolei Pkwy, Kapolei, HI 96707A+5.0 ★Texas Ratio: 1.37%, University of Hawaii FCUUniversity of Hawaii FCU4450 Kapolei Pkwy Ste 107, Kapolei, HI 96707 1878A+5.0 ★Texas Ratio: 1.05%, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union91 600 Farrington Hwy, Kapolei, HI 96707A+5.0 ★Texas Ratio: 2.38%, Hawaiiusa FCUHawaiiusa FCU920 Kamokila Blvd, Kapolei, HI 96707A+5.0 ★Texas Ratio: 2.02%, and Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Kapolei, HI 96707A+5.0 ★Texas Ratio: 2.47%. 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 Kapolei, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kapolei 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 Kapolei, Hawaii
Market share is the lender's share of all home loans closed in Kapolei, 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 Kapolei 4480 Kapolei Pkwy, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 1.37% |
Conventional, FHA, VA, HELOC | 12 +8 HELOCs |
5.4% | 85.7% | $602,500 | View |
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1 office in Kapolei 888 Wakea St, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 1.72% |
Conventional, HELOC | 2 +14 HELOCs |
0.9% | 100% | $875,000 | View |
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1 office in Kapolei 590 Farrington Hwy, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 1.55% |
HELOC | 0 +13 HELOCs |
0% | n/a | View | |
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1 office in Kapolei 680 Kamokila Blvd, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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91 590 Farrington Highway 140, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 5.45% |
Conventional, HELOC | 3 +26 HELOCs |
1.3% | 100% | $688,333 | View |
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4480 Kapolei Pkwy, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 1.37% |
Conventional | 2 | 0.9% | 100% | $530,000 | View |
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4450 Kapolei Pkwy Ste 107, Kapolei, HI 96707 1878 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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91 600 Farrington Hwy, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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920 Kamokila Blvd, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +19 HELOCs |
0% | n/a | View | |
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1001 Kamokila Blvd Ste 104, Kapolei, HI 96707 A+5.0 ★Texas Ratio: 2.47% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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590 Farrington Hwy Unit 501, Kapolei, HI 96707 2033 A+5.0 ★Texas Ratio: 2.16% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 27 | 12.1% | 100% | $767,962 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 10.7% | 85.7% | $530,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA, Jumbo | 20 | 8.9% | 81.5% | $698,500 | |
Newrez LLC
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Conventional, FHA, VA, Jumbo | 14 | 6.2% | 100% | $662,857 | |
Mortgage Research Center
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VA | 14 | 6.2% | 82.4% | $757,857 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 11 +6 HELOCs |
4.9% | 68.8% | $385,909 | |
loanDepot.com LLC
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Conventional, VA | 11 | 4.9% | 85.7% | $609,545 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 4.5% | 76.9% | $618,000 | |
The Loan Store, Inc
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Conventional, VA | 8 | 3.6% | 100% | $740,000 | |
Securitynational Mortgage Company
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FHA | 6 | 2.7% | 75% | $468,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 5 | 2.2% | 83.3% | $789,000 | View |
Paramount Residential Mortgage
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Conventional, VA | 5 | 2.2% | 100% | $671,000 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 4 | 1.8% | 100% | $822,500 | |
Cmg Mortgage Inc
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FHA, VA, HELOC | 3 +1 HELOCs |
1.3% | 100% | $465,000 | |
Envoy Mortgage, Ltd
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VA | 3 | 1.3% | 100% | $831,666 | |
Planet Home Lending, LLC
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VA | 3 | 1.3% | 100% | $768,333 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 1.3% | 100% | $838,333 | View |
Canopy Mortgage, LLC
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VA | 2 | 0.9% | 100% | $585,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 0.9% | 40% | $375,000 | |
Guild Mortgage Company
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FHA, VA | 2 | 0.9% | 66.7% | $445,000 | |
Hightechlending, Inc
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FHA | 2 | 0.9% | 100% | $580,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.9% | 100% | $410,000 | |
Alliant Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,245,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.4% | 100% | $375,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.4% | 100% | $865,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.4% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.4% | 100% | $1,095,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 0.4% | 100% | $705,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.4% | 100% | $785,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $835,000 | |
HomeStreet Bank
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FHA | 1 | 0.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $605,000 | View |
Discover Bank
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Conventional | 1 | 0.4% | 33.3% | $135,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.4% | 100% | $355,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.4% | 100% | $645,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.4% | 100% | $675,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 33.3% | $495,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 33.3% | $665,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 66.7% | $225,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.4% | 100% | $665,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.4% | 100% | $455,000 | View |
Village Capital & Investment
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VA | 1 | 0.4% | 66.7% | $975,000 | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Kapolei 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 Kapolei, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Kapolei? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kapolei in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kapolei, HI
Use these to narrow the list above. Each category shows how many Kapolei, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Kapolei, HI
Independent mortgage companies closed 79 percent of home loans in Kapolei, Hawaii in 2025, banks 13.4 percent and credit unions 7.6 percent. United Wholesale Mortgage 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 12 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 Kapolei, HI
By home loans closed in 2025, Bank of Hawaii was the largest mortgage lender in Kapolei, Hawaii with 12 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Kapolei, Hawaii in 2025, led by Securitynational Mortgage Company with 6. 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. 15 banks and 8 credit unions closed home loans in Kapolei, Hawaii in 2025, alongside 33 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 Kapolei, 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 Kapolei, 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 Kapolei. 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.
