Mortgage Lenders and Brokers in Waipahu, 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
Waipahu, Hawaii mortgage lenders include American Savings BankAmerican Savings Bank94 1040 Waipio Uka St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 1.72%, Bank of HawaiiBank of Hawaii94 661 Kupuohi St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 1.37%, Pearl Hawaii FCUPearl Hawaii FCU94 449 Ukee St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 1.89%, First Hawaiian BankFirst Hawaiian Bank94 205 Leoku St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 1.55%, Central Pacific BankCentral Pacific Bank94 210 Pupukahi St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 2.64%, Hawaii State Federal Credit UnionHawaii State Federal Credit Union94 809 Lumiaina St, Waipahu, HI 96797 5025A+5.0 ★Texas Ratio: 5.45%, Hawaiiusa FCUHawaiiusa FCUWaipahu Town Center, Waipahu, HI 96797A+5.0 ★Texas Ratio: 2.02%, Lokahi Federal Credit UnionLokahi Federal Credit Union98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707A+5.0 ★Texas Ratio: 2.16%, Mortgage Hawaii LLCMortgage Hawaii LLC94 661 Kupuohi St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 1.37%, and Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union94 595 Kupuohi St, Waipahu, HI 96797A+5.0 ★Texas Ratio: 2.38%. 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 Waipahu, Hawaii in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waipahu 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 Waipahu, Hawaii
Market share is the lender's share of all home loans closed in Waipahu, 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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2 offices in Waipahu 94 1040 Waipio Uka St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 1.72% |
Conventional, HELOC | 7 +16 HELOCs |
3.6% | 70% | $495,000 | View |
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2 offices in Waipahu 94 661 Kupuohi St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 1.37% |
Conventional, VA, HELOC | 5 +17 HELOCs |
2.6% | 83.3% | $501,000 | View |
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94 449 Ukee St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 1.89% |
Conventional | 2 | 1% | 100% | $195,000 | View |
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1 office in Waipahu 94 205 Leoku St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 1.55% |
Conventional, HELOC | 1 +18 HELOCs |
0.5% | 50% | $755,000 | View |
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1 office in Waipahu 94 210 Pupukahi St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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94 809 Lumiaina St, Waipahu, HI 96797 5025 A+5.0 ★Texas Ratio: 5.45% |
Conventional, HELOC | 5 +17 HELOCs |
2.6% | 100% | $469,000 | View |
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Waipahu Town Center, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 3 +17 HELOCs |
1.5% | 75% | $658,333 | View |
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98 1005 Moanalua Rd Spc 245, Aiea, HI 96701 4707 A+5.0 ★Texas Ratio: 2.16% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 50% | $35,000 | View |
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94 661 Kupuohi St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 1.37% |
Conventional | 1 | 0.5% | 100% | $885,000 | View |
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94 595 Kupuohi St, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.5% | 100% | $435,000 | View |
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Waikele Shopping Center, Waipahu, HI 96797 A+5.0 ★Texas Ratio: 2.47% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Guild Mortgage Company
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Conventional, FHA, VA | 23 | 11.8% | 96.2% | $704,130 | |
Rocket Mortgage
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Conventional, FHA, VA | 22 | 11.3% | 65.7% | $537,727 | |
loanDepot.com LLC
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Conventional, FHA, VA | 21 | 10.8% | 70% | $741,190 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
7.2% | 70% | $754,285 | |
Freedom Mortgage Corporation
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Conventional, VA | 10 | 5.1% | 90.9% | $736,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 9 | 4.6% | 100% | $740,555 | |
Newrez LLC
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Conventional, FHA | 7 | 3.6% | 70% | $335,000 | |
Hightechlending, Inc
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Conventional, FHA | 6 | 3.1% | 85.7% | $683,333 | |
Mortgage Research Center
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VA, Jumbo | 5 | 2.6% | 55.6% | $679,000 | |
The Loan Store, Inc
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Conventional, FHA, VA | 5 | 2.6% | 85.7% | $697,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +3 HELOCs |
2.1% | 80% | $222,500 | |
Guaranteed Rate, Inc.
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Conventional | 4 | 2.1% | 100% | $410,000 | |
Nationstar Mortgage
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Conventional | 4 | 2.1% | 80% | $220,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 4 | 2.1% | 80% | $887,500 | View |
Securitynational Mortgage Company
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Conventional | 3 | 1.5% | 60% | $935,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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Conventional | 3 | 1.5% | 100% | $701,666 | |
New Day Financial, LLC.
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VA | 2 | 1% | 100% | $325,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 1% | 100% | $615,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.5% | 100% | $115,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.5% | 100% | $355,000 | |
Canopy Mortgage, LLC
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VA | 1 | 0.5% | 100% | $895,000 | |
Pacific Lending LLC
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VA | 1 | 0.5% | 100% | $425,000 | |
Kind Lending, LLC
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FHA | 1 | 0.5% | 33.3% | $345,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 50% | $875,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 100% | $125,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.5% | 100% | $305,000 | |
HomeXpress Mortgage Corp.
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FHA | 1 | 0.5% | 50% | $515,000 | |
PFN Lending Group, Inc.
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VA | 1 | 0.5% | 100% | $355,000 | |
ClearPath Lending
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VA | 1 | 0.5% | 100% | $1,085,000 | |
Bay Equity LLC
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.5% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $555,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $655,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.5% | 50% | $915,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $675,000 | |
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Sierra Pacific Mortgage Co. Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Waipahu 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 Waipahu, Hawaii
Looking for mortgage lenders near me or mortgage brokers near me in Waipahu? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waipahu in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waipahu, HI
Use these to narrow the list above. Each category shows how many Waipahu, HI lenders fit and what that kind of lender is usually best for.
Who Lends in Waipahu, HI
Independent mortgage companies closed 81 percent of home loans in Waipahu, Hawaii in 2025, banks 10.8 percent and credit unions 8.2 percent. Guild Mortgage Company was the largest mortgage company, American Savings Bank the largest bank and Pearl Hawaii FCU the largest credit union. Among lenders headquartered in Hawaii, American Savings Bank led with 7 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 Waipahu, HI
By home loans closed in 2025, American Savings Bank was the largest mortgage lender in Waipahu, Hawaii with 7 loans, about 3.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Waipahu, Hawaii in 2025, led by Cmg Mortgage Inc with 3. 17 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 11 banks and 7 credit unions closed home loans in Waipahu, Hawaii in 2025, alongside 34 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 Waipahu, 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 Waipahu, 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 Waipahu. 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.
