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Top-rated mortgage lenders in Hawaii (2025)

Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.

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
#LenderGradeGradeApplicationsDenial rateMedian rate
1 Hawaiian Financial Federal Credit UnionHonolulu, HI A 87.8 score 126 0.0% 6.13%
2 CMG MortgageSan Ramon, CA A 73.7 score 621 4.0% 6.50%
3 Guild MortgageSan Diego, CA A 70.8 score 488 7.2% 6.62%
4 NFMLinthicum, MD A 69.5 score 296 1.4% 6.99%
5 Ameris BankAtlanta, GA B 67.8 score 155 3.9% 6.13%
6 United Shore Financial ServicesPlymouth, MI B 67.5 score 1,710 11.1% 6.13%
7 Dhi Mortgage CompanyArlington, TX B 66.3 score 368 9.8% 5.50%
8 JPMorgan Chase BankColumbus, OH B 65.3 score 147 21.1% 6.13%
9 Fairway Independent MortgageMadison, WI B 64.5 score 137 11.7% 6.63%
10 Guaranteed RateChicago, IL B 62.3 score 766 5.4% 6.50%
11 University of Hawaii Federal Credit UnionHonolulu, HI B 61.7 score 127 6.3% 5.75%
12 Paramount Residential Mortgage GroupCorona, CA B 61.3 score 158 0.6% 6.63%
13 Hickam Federal Credit UnionPearl City, HI B 60.1 score 180 31.1% 7.68%
14 Canopy MortgageLindon, UT B 59.2 score 137 1.5% 6.63%
15 Plains Commerce BankSioux Falls, SD B 59.0 score 143 6.3% 6.38%
16 ConventusSan Francisco, CA B 58.0 score 162 1.2% 9.99%
17 The Loan StoreSan Francisco, CA B 57.1 score 505 12.1% 6.63%
18 Freedom MortgageBoca Raton, FL B 56.7 score 924 10.8% 5.75%
19 Crosscountry MortgageCleveland, OH B 56.5 score 178 6.2% 6.88%
20 Wells Fargo BankCharlotte, NC B 54.4 score 106 27.4% 6.00%
21 Homebridge Financial ServicesIselin, NJ B 54.4 score 200 28.0% 7.31%
22 Citadel ServicingIrvine, CA B 52.3 score 320 1.6% 7.25%
23 First Hawaiian BankHonolulu, HI B 52.1 score 2,740 19.4% 5.87%
24 Aloha Pacific Federal Credit UnionHonolulu, HI B 51.7 score 327 28.1% 5.75%
25 Mortgage Research CenterColumbia, MO C 50.8 score 695 14.7% 6.13%
26 American Savings BankHonolulu, HI C 47.4 score 2,479 34.5% 5.65%
27 Pennymac Loan ServicesWestlake Village, CA C 47.0 score 793 15.5% 6.13%
28 Hawaii State Federal Credit UnionHonolulu, HI C 46.8 score 1,418 30.0% 5.90%
29 Northpointe BankGrand Rapids, MI C 46.1 score 108 5.6% 7.31%
30 Kind LendingIrvine, CA C 45.5 score 268 28.7% 6.63%
31 Rocket MortgagePlymouth, MI C 43.7 score 1,637 22.4% 6.63%
32 Hawaiiusa Federal Credit UnionHonolulu, HI C 41.5 score 1,833 38.1% 5.65%
33 Plaza Home MortgageSan Diego, CA C 40.5 score 124 33.1% 6.50%
34 Bank of HawaiiHonolulu, HI C 39.9 score 3,679 27.8% 6.00%
35 Central Pacific BankHonolulu, HI C 38.9 score 1,519 33.6% 6.13%
36 The Federal Savings BankChicago, IL C 36.7 score 121 15.7% 6.25%
37 Nationstar MortgageCoppell, TX C 34.6 score 217 22.6% 6.88%
38 Commerce Home MortgageAnaheim, CA C 33.2 score 142 7.8% 7.38%
39 Loandepot.ComIrvine, CA D 32.9 score 521 21.1% 6.63%
40 Finance of America ReverseTulsa, OK C 32.5 score 127 4.7% 8.24%
41 U.S. BankCincinnati, OH D 29.4 score 147 36.7% 6.38%
42 Broker SolutionsTustin, CA D 28.6 score 110 16.4% 6.75%
43 NewrezWilmington, DE D 28.2 score 891 16.5% 6.25%
44 Homexpress MortgageSanta Ana, CA C 27.7 score 295 38.0% 7.38%
45 Sofi BankCottonwood Heights, UT D 25.7 score 170 10.0% 8.02%
46 Navy Federal Credit UnionVienna, VA D 23.6 score 985 30.2% 8.10%
47 Securitynational MortgageSalt Lake City, UT D 22.6 score 217 18.4% 6.88%
48 Angel Oak Mortgage SolutionsAtlanta, GA D 21.5 score 137 21.9% 7.37%
49 Nexera HoldingEmeryville, CA D 20.7 score 107 8.4% 7.38%
50 Pentagon Federal Credit UnionMclean, VA F 18.6 score 130 48.5% 7.38%

How this list is built

Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.