Mortgage Lenders and Brokers in Waialua, 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
Waialua, Hawaii mortgage lenders include First Hawaiian BankFirst Hawaiian Bank98 1071 Moanalua Rd, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.55%, Central Pacific BankCentral Pacific Bank98 150 Kaonohi St, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.64%, Hawaiiusa FCUHawaiiusa FCUAiea Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.02%, Bank of HawaiiBank of Hawaii98 1059 Moanalua Rd, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.37%, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionWaimalu Shopping Plaza, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.47%, Pennymac Loan Services LLC, United Wholesale Mortgage, Freedom Mortgage Corporation, Newrez LLC, and NexbankNexbankA-5.0 ★Texas Ratio: 14.93%. 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 Waialua, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waialua 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 Waialua, Hawaii
Market share is the lender's share of all home loans closed in Waialua, 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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98 1071 Moanalua Rd, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
4% | 100% | $1,355,000 | View |
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98 150 Kaonohi St, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 4% | 50% | $925,000 | View |
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Aiea Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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98 1059 Moanalua Rd, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.37% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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Waimalu Shopping Plaza, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 5 | 20% | 100% | $627,000 | |
United Wholesale Mortgage
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Conventional | 3 | 12% | 100% | $765,000 | |
Freedom Mortgage Corporation
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Conventional, VA, Jumbo | 2 | 8% | 66.7% | $2,055,000 | |
Newrez LLC
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VA | 2 | 8% | 100% | $960,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional, Jumbo | 2 | 8% | 100% | $1,370,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
4% | 100% | $725,000 | |
Rocket Mortgage
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Conventional | 1 | 4% | 100% | $145,000 | |
loanDepot.com LLC
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VA, Jumbo | 1 | 4% | 100% | $1,325,000 | |
Mortgage Research Center
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VA | 1 | 4% | 100% | $375,000 | |
The Loan Store, Inc
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Conventional | 1 | 4% | 100% | $935,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 4% | 100% | $755,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA, Jumbo | 1 | 4% | 100% | $1,465,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 4% | 100% | $765,000 | View |
Star One Credit Union
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Conventional | 1 | 4% | 100% | $715,000 |
Waialua 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 Waialua, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Waialua? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waialua in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waialua, HI
Use these to narrow the list above. Each category shows how many Waialua, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Waialua, HI
Independent mortgage companies closed 64 percent of home loans in Waialua, Hawaii in 2025, banks 28 percent and credit unions 8 percent. Pennymac Loan Services LLC was the largest mortgage company, First Hawaiian Bank the largest bank and Hawaiiusa FCU the largest credit union. Among lenders headquartered in Hawaii, First Hawaiian Bank led with 1 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 Waialua, HI
By home loans closed in 2025, First Hawaiian Bank was the largest mortgage lender in Waialua, Hawaii with 1 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 7 banks and 4 credit unions closed home loans in Waialua, Hawaii in 2025, alongside 8 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 Waialua, 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 Waialua, 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 Waialua. 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.
