Mortgage Lenders and Brokers in Waimea, 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
Waimea, Hawaii mortgage lenders include First Hawaiian BankFirst Hawaiian Bank4525 Panako Road, Waimea, HI 96796A+5.0 ★Texas Ratio: 1.55%, Bank of HawaiiBank of Hawaii67 1185 Mamalahoa Highway, Waimea, HI 96743A+5.0 ★Texas Ratio: 1.37%, American Savings BankAmerican Savings Bank98 200 Kamehameha Hwy, Aiea, HI 96701A+5.0 ★Texas Ratio: 1.72%, Lokahi Federal Credit UnionLokahi Federal Credit Union98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707A+5.0 ★Texas Ratio: 2.16%, Hawaiiusa FCUHawaiiusa FCUAiea Shopping Center, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.02%, Central Pacific BankCentral Pacific Bank98 150 Kaonohi St, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.64%, Rocket Mortgage, United Wholesale Mortgage, Pennymac Loan Services LLC, and V.I.P. Mortgage, Inc.. 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 Waimea, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waimea 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 Waimea, Hawaii
Market share is the lender's share of all home loans closed in Waimea, 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 Waimea 4525 Panako Road, Waimea, HI 96796 A+5.0 ★Texas Ratio: 1.55% |
Conventional, Jumbo, HELOC | 2 +13 HELOCs |
2.1% | 66.7% | $1,690,000 | View |
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67 1185 Mamalahoa Highway, Waimea, HI 96743 A+5.0 ★Texas Ratio: 1.37% |
Conventional, HELOC | 4 +11 HELOCs |
4.3% | 100% | $1,040,000 | View |
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98 200 Kamehameha Hwy, Aiea, HI 96701 A+5.0 ★Texas Ratio: 1.72% |
Conventional, HELOC | 3 +4 HELOCs |
3.2% | 100% | $518,333 | View |
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98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 1.1% | 100% | $35,000 | View |
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Aiea Shopping Center, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.02% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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98 150 Kaonohi St, Aiea, HI 96701 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional | 16 | 17% | 84.2% | $331,250 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 9 +1 HELOCs |
9.6% | 81.8% | $657,222 | |
Pennymac Loan Services LLC
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Conventional | 6 | 6.4% | 85.7% | $411,666 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 6 | 6.4% | 100% | $545,000 | |
Newrez LLC
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Conventional | 4 | 4.3% | 40% | $600,000 | |
Kind Lending, LLC
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Conventional | 4 | 4.3% | 80% | $587,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 3.2% | 100% | $385,000 | |
Premier Mortgage Resources, LLC
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Conventional, Jumbo | 2 | 2.1% | 100% | $1,315,000 | |
loanDepot.com LLC
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Conventional | 2 | 2.1% | 100% | $335,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 2.1% | 100% | $570,000 | |
Nfm, Inc
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Conventional, FHA | 2 | 2.1% | 100% | $905,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 2.1% | 100% | $765,000 | |
Summit Funding.Inc
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Conventional | 2 | 2.1% | 100% | $765,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 100% | $505,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.1% | 100% | $1,385,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $1,165,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 1.1% | 50% | $745,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 1.1% | 100% | $555,000 | View |
HomeStreet Bank
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FHA | 1 | 1.1% | 100% | $515,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 100% | $245,000 | |
American Financial Network, Inc.
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VA | 1 | 1.1% | 100% | $895,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.1% | 100% | $1,005,000 | View |
Discover Bank
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Conventional | 1 | 1.1% | 25% | $55,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 50% | $125,000 | |
Mortgage Research Center
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VA, Jumbo | 1 | 1.1% | 100% | $2,225,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $715,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.1% | 100% | $995,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.1% | 100% | $785,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,455,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.1% | 100% | $765,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.1% | 100% | $565,000 | View |
Nexera Holding LLC
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Conventional | 1 | 1.1% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1.1% | 100% | $525,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 1.1% | 100% | $685,000 | View |
Cake Mortgage Corp.
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Conventional | 1 | 1.1% | 100% | $675,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1.1% | 100% | $645,000 | View |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Waimea 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 Waimea, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Waimea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waimea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waimea, HI
Use these to narrow the list above. Each category shows how many Waimea, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Waimea, HI
Independent mortgage companies closed 77.7 percent of home loans in Waimea, Hawaii in 2025, banks 20.2 percent and credit unions 2.1 percent. Rocket Mortgage was the largest mortgage company, First Hawaiian Bank the largest bank and Lokahi Federal Credit Union the largest credit union. Among lenders headquartered in Hawaii, First Hawaiian Bank led with 2 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 Waimea, HI
By home loans closed in 2025, First Hawaiian Bank was the largest mortgage lender in Waimea, Hawaii with 2 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Waimea, Hawaii in 2025, led by V.I.P. Mortgage, Inc. with 2. 2 lenders closed VA loans, led by American Financial Network, Inc.. 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 3 credit unions closed home loans in Waimea, Hawaii in 2025, alongside 28 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 Waimea, 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 Waimea, 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 Waimea. 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.
