Mortgage Lenders and Brokers in Pearl City, 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
Pearl City, Hawaii mortgage lenders include American Savings BankAmerican Savings Bank850 Kamehameha Hwy, Pearl City, HI 96782A+5.0 ★Texas Ratio: 1.72%, Bank of HawaiiBank of Hawaii850 Kamehameha Hwy, Pearl City, HI 96782A+5.0 ★Texas Ratio: 1.37%, First Hawaiian BankFirst Hawaiian Bank890 Kamehameha Hwy, Pearl City, HI 96782A+5.0 ★Texas Ratio: 1.55%, Central Pacific BankCentral Pacific Bank1030 Makolu St, Pearl City, HI 96782A+5.0 ★Texas Ratio: 2.64%, Hawaiiusa FCUHawaiiusa FCU1245 Kuala St Ste 101, Pearl City, HI 96782A+5.0 ★Texas Ratio: 2.02%, Hawaii State Federal Credit UnionHawaii State Federal Credit UnionWestridge Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 5.45%, University of Hawaii FCUUniversity of Hawaii FCU2019 S King St, Honolulu, HI 96826A+5.0 ★Texas Ratio: 1.05%, Mortgage Hawaii LLCMortgage Hawaii LLC850 Kamehameha Hwy, Pearl City, HI 96782A+5.0 ★Texas Ratio: 1.37%, Lokahi Federal Credit UnionLokahi Federal Credit Union1260 Kuala St, Pearl City, HI 96782 2888A+5.0 ★Texas Ratio: 2.16%, and Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionWaimalu Shopping Plaza, Aiea, HI 96701A+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 Pearl City, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pearl City 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 Pearl City, Hawaii
Market share is the lender's share of all home loans closed in Pearl City, 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 Pearl City 850 Kamehameha Hwy, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 1.72% |
Conventional, HELOC | 15 +30 HELOCs |
5.4% | 85% | $654,333 | View |
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1 office in Pearl City 850 Kamehameha Hwy, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 1.37% |
Conventional, HELOC | 13 +38 HELOCs |
4.7% | 100% | $622,692 | View |
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1 office in Pearl City 890 Kamehameha Hwy, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 1.55% |
Conventional, HELOC | 4 +45 HELOCs |
1.4% | 100% | $525,000 | View |
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1 office in Pearl City 1030 Makolu St, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 2.64% |
Conventional, HELOC | 2 +9 HELOCs |
0.7% | 66.7% | $975,000 | View |
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1245 Kuala St Ste 101, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 6 +34 HELOCs |
2.2% | 100% | $643,333 | View |
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Westridge Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 5.45% |
Conventional, HELOC | 5 +25 HELOCs |
1.8% | 83.3% | $695,000 | View |
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2019 S King St, Honolulu, HI 96826 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 5 | 1.8% | 100% | $569,000 | View |
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850 Kamehameha Hwy, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 1.37% |
Conventional | 5 | 1.8% | 100% | $699,000 | View |
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1260 Kuala St, Pearl City, HI 96782 2888 A+5.0 ★Texas Ratio: 2.16% |
Conventional, HELOC | 4 +3 HELOCs |
1.4% | 80% | $202,500 | View |
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Waimalu Shopping Plaza, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.47% |
Conventional, HELOC | 2 +5 HELOCs |
0.7% | 100% | $790,000 | View |
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850 Kamehameha Hwy, Pearl City, HI 96782 A+5.0 ★Texas Ratio: 4.07% |
Conventional | 2 | 0.7% | 50% | $445,000 | View |
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1131 Kuala St, Pearl City, HI 96782 2886 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 2 | 0.7% | 100% | $720,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 33 | 12% | 94.3% | $692,878 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 31 | 11.2% | 93.9% | $599,516 | |
Cmg Mortgage Inc
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Conventional, VA, HELOC | 14 +3 HELOCs |
5.1% | 100% | $623,571 | |
Mortgage Research Center
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FHA, VA | 13 | 4.7% | 92.9% | $648,076 | |
Newrez LLC
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Conventional, VA | 12 | 4.3% | 85.7% | $684,166 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 9 | 3.3% | 100% | $666,111 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +2 HELOCs |
2.9% | 66.7% | $491,250 | |
The Loan Store, Inc
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Conventional, FHA | 7 | 2.5% | 100% | $470,714 | |
AAA Capital Investment, Inc
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Conventional | 6 | 2.2% | 100% | $690,000 | |
loanDepot.com LLC
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Conventional, VA | 6 | 2.2% | 75% | $320,000 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 6 | 2.2% | 77.8% | $661,666 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 6 | 2.2% | 100% | $540,000 | View |
Nationstar Mortgage
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Conventional, FHA, VA | 5 | 1.8% | 71.4% | $517,000 | |
Primary Residential Mortgage, INC.
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Conventional | 4 | 1.4% | 100% | $545,000 | |
Guild Mortgage Company
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Conventional, VA | 4 | 1.4% | 66.7% | $700,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 3 | 1.1% | 100% | $555,000 | |
Fairway Independent Mort Corp
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Conventional | 3 | 1.1% | 100% | $751,666 | |
Paramount Residential Mortgage
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Conventional, VA, Jumbo | 3 | 1.1% | 100% | $755,000 | |
Plaza Home Mortgage, Inc
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Conventional | 3 | 1.1% | 100% | $428,333 | |
Canopy Mortgage, LLC
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Conventional, VA | 2 | 0.7% | 100% | $1,000,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 2 | 0.7% | 100% | $835,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.7% | 28.6% | $75,000 | |
Securitynational Mortgage Company
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Conventional | 2 | 0.7% | 100% | $1,020,000 | |
Nfm, Inc
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Conventional, VA | 2 | 0.7% | 100% | $570,000 | |
Alameda Mortgage Corporation
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VA, Jumbo | 1 | 0.4% | 100% | $1,305,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 0.4% | 100% | $315,000 | View |
Guaranteed Rate, Inc.
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VA | 1 | 0.4% | 100% | $355,000 | |
Fundloans Capital
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.4% | 100% | $355,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 50% | $415,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $715,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.4% | 100% | $595,000 | |
Ocmbc, Inc.
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,495,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 0.4% | 100% | $965,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 33.3% | $75,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.4% | 100% | $565,000 | |
Hightechlending, Inc
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Conventional | 1 | 0.4% | 100% | $525,000 | |
American Financing Corporation
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Conventional | 1 | 0.4% | 50% | $985,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $995,000 | View |
Land Home Financial Services,
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VA | 1 | 0.4% | 100% | $685,000 | |
Castle & Cooke Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.4% | 50% | $385,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.4% | 100% | $735,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $665,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Geneva Financial LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Pearl City 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 Pearl City, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Pearl City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pearl City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pearl City, HI
Use these to narrow the list above. Each category shows how many Pearl City, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Pearl City, HI
Independent mortgage companies closed 70.7 percent of home loans in Pearl City, Hawaii in 2025, banks 17.8 percent and credit unions 11.6 percent. United Wholesale 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 Pearl City, HI
By home loans closed in 2025, American Savings Bank was the largest mortgage lender in Pearl City, Hawaii with 15 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Pearl City, Hawaii in 2025, led by United Wholesale Mortgage with 1. 23 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. 14 banks and 7 credit unions closed home loans in Pearl City, Hawaii in 2025, alongside 41 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 Pearl City, 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 Pearl City, 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 Pearl City. 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.
