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Top refinance lenders in Hawaii (2025)

Rate-and-term and cash-out refinance applications combined.

36kApplications in HI
27.3%State decision denial rate
6.15%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Hawaii ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeRefinance applicationsApplicationsDenial rateMedian rate
1 First Hawaiian BankHonolulu, HI B 1,017 2,740 19.4% 5.87%
2 Bank of HawaiiHonolulu, HI C 978 3,679 27.8% 6.00%
3 Rocket MortgagePlymouth, MI C 939 1,637 22.4% 6.63%
4 United Shore Financial ServicesPlymouth, MI B 744 1,710 11.1% 6.13%
5 Hawaiiusa Federal Credit UnionHonolulu, HI C 665 1,833 38.1% 5.65%
6 NewrezWilmington, DE D 526 891 16.5% 6.25%
7 Freedom MortgageBoca Raton, FL B 453 924 10.8% 5.75%
8 Central Pacific BankHonolulu, HI C 452 1,519 33.6% 6.13%
9 American Savings BankHonolulu, HI C 357 2,479 34.5% 5.65%
10 Hawaii State Federal Credit UnionHonolulu, HI C 349 1,418 30.0% 5.90%
11 AmeriSave MortgageSandy Springs, GA D 347 352 64.5% 8.63%
12 Mortgage Research CenterColumbia, MO C 311 695 14.7% 6.13%
13 Pennymac Loan ServicesWestlake Village, CA C 305 793 15.5% 6.13%
14 Loandepot.ComIrvine, CA D 210 521 21.1% 6.63%
15 Guaranteed RateChicago, IL B 199 766 5.4% 6.50%
16 CMG MortgageSan Ramon, CA A 196 621 4.0% 6.50%
17 Navy Federal Credit UnionVienna, VA D 171 985 30.2% 8.10%
18 Aloha Pacific Federal Credit UnionHonolulu, HI B 164 327 28.1% 5.75%
19 Guild MortgageSan Diego, CA A 152 488 7.2% 6.62%
20 Carrington Mortgage ServicesOrange, CA D 130 182 35.7% 6.50%
21 Homexpress MortgageSanta Ana, CA C 118 295 38.0% 7.38%
22 Citadel ServicingIrvine, CA B 115 320 1.6% 7.25%
23 The Federal Savings BankChicago, IL C 113 121 15.7% 6.25%
24 The Loan StoreSan Francisco, CA B 109 505 12.1% 6.63%
25 New Day FinancialWest Palm Beach, FL F 92 95 31.6% 6.62%
26 Finance of America ReverseTulsa, OK C 91 127 4.7% 8.24%
27 Nationstar MortgageCoppell, TX C 86 217 22.6% 6.88%
28 Champions FundingGilbert, AZ F 76 134 31.3% 7.69%
29 Broker SolutionsTustin, CA D 72 110 16.4% 6.75%
30 Angel Oak Mortgage SolutionsAtlanta, GA D 72 137 21.9% 7.37%
31 Village Capital & InvestmentHenderson, NV C 68 68 11.8% 5.75%
32 Mutual of Omaha MortgageSan Diego, CA C 66 96 13.5% 6.49%
33 Kind LendingIrvine, CA C 63 268 28.7% 6.63%
34 Longbridge FinancialMahwah, NJ F 60 67 11.9% 8.99%
35 Crosscountry MortgageCleveland, OH B 60 178 6.2% 6.88%
36 Commerce Home MortgageAnaheim, CA C 59 142 7.8% 7.38%
37 Securitynational MortgageSalt Lake City, UT D 59 217 18.4% 6.88%
38 American FinancingAurora, CO D 58 67 55.2% 6.50%
39 ConventusSan Francisco, CA B 58 162 1.2% 9.99%
40 Canopy MortgageLindon, UT B 48 137 1.5% 6.63%
41 JPMorgan Chase BankColumbus, OH B 46 147 21.1% 6.13%
42 Texana BankLinden, TX C 45 48 8.3% 6.25%
43 Plaza Home MortgageSan Diego, CA C 43 124 33.1% 6.50%
44 Homebridge Financial ServicesIselin, NJ B 43 200 28.0% 7.31%
45 OCMBCIrvine, CA C 42 55 21.8% 7.12%
46 Ameris BankAtlanta, GA B 40 155 3.9% 6.13%
47 Nexera HoldingEmeryville, CA D 38 107 8.4% 7.38%
48 Hawaiian Financial Federal Credit UnionHonolulu, HI A 38 126 0.0% 6.13%
49 Pentagon Federal Credit UnionMclean, VA F 38 130 48.5% 7.38%
50 Mason Mcduffie MortgageSan Ramon, CA C 37 87 5.8% 6.63%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.