Top Mortgage Lenders in Hawaii (2025)
In 2025, 272 lenders made 19,814 home loans worth $11.9 billion in Hawaii, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 35.8% of them. Bank of Hawaii made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Hawaii, 2025
Ranked by the number of home loans each lender made (originated) in Hawaii in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Bank of Hawaii Honolulu, HI | 1,972 | $1.1B | $553,000 | 10.0% | 33.7% |
| 2 | First Hawaiian Bank Honolulu, HI | 1,586 | $610.6M | $385,000 | 8.0% | 24.2% |
| 3 | American Savings Bank Honolulu, HI | 1,416 | $700.1M | $494,000 | 7.1% | 37.1% |
| 4 | United Wholesale Mortgage Plymouth, MI | 1,281 | $907.9M | $709,000 | 6.5% | 12.7% |
| 5 | Hawaii State Federal Credit Union Honolulu, HI | 847 | $256.0M | $302,000 | 4.3% | 33.1% |
| 6 | Hawaiiusa FCU Honolulu, HI | 777 | $246.7M | $317,000 | 3.9% | 42.5% |
| 7 | Central Pacific Bank Honolulu, HI | 720 | $318.1M | $442,000 | 3.6% | 40.8% |
| 8 | Freedom Mortgage Corporation Boca Raton, FL | 516 | $384.5M | $745,000 | 2.6% | 15.4% |
| 9 | PennyMac Loan Services LLC Westlake Village, CA | 462 | $302.4M | $655,000 | 2.3% | 20.7% |
| 10 | Guaranteed Rate, Inc. Chicago, IL | 443 | $307.9M | $695,000 | 2.2% | 8.2% |
| 11 | CMG Mortgage Inc San Ramon, IL | 399 | $259.2M | $650,000 | 2.0% | 5.2% |
| 12 | Newrez LLC Fort Washington, PA | 392 | $289.0M | $737,000 | 2.0% | 27.2% |
| 13 | Mortgage Research Center Columbia, MO | 368 | $230.4M | $626,000 | 1.9% | 21.6% |
| 14 | loanDepot.com LLC Irvine, CA | 329 | $161.4M | $491,000 | 1.7% | 24.6% |
| 15 | The Loan Store, Inc Tucson, AZ | 326 | $189.8M | $582,000 | 1.6% | 13.7% |
| 16 | Navy Federal Credit Union Vienna, VA | 326 | $104.6M | $321,000 | 1.6% | 47.3% |
| 17 | Guild Mortgage Company San Diego, CA | 316 | $174.5M | $552,000 | 1.6% | 9.3% |
| 18 | DHI Mortgage Company, Ltd. Austin, TX | 263 | $174.0M | $662,000 | 1.3% | 12.0% |
| 19 | Citadel Servicing Corporation Irvine, CA | 244 | $151.3M | $620,000 | 1.2% | 1.6% |
| 20 | NFM, Inc Linthicum, MD | 235 | $112.4M | $478,000 | 1.2% | 1.7% |
| 21 | Aloha Pacific Federal Credit Union Honolulu, HI | 217 | $56.1M | $259,000 | 1.1% | 28.9% |
| 22 | Homexpress Mortgage Corp. Santa Ana, CA | 181 | $118.6M | $655,000 | 0.9% | 38.2% |
| 23 | Kind Lending, LLC Irvine, CA | 166 | $110.5M | $665,000 | 0.8% | 31.3% |
| 24 | Conventus Lending LLC San Francisco, CA | 134 | $97.2M | $725,000 | 0.7% | 1.5% |
| 25 | Hawaiian Financial Federal Credit Union Honolulu, HI | 125 | $78.5M | $628,000 | 0.6% | 0.0% |
Top Home Purchase Lenders in Hawaii
221 lenders made 9,908 home purchase loans worth $6.9 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Bank of Hawaii Honolulu, HI | 771 | 7.8% |
| 2 | United Wholesale Mortgage Plymouth, MI | 760 | 7.7% |
| 3 | American Savings Bank Honolulu, HI | 663 | 6.7% |
| 4 | Freedom Mortgage Corporation Boca Raton, FL | 363 | 3.7% |
| 5 | First Hawaiian Bank Honolulu, HI | 359 | 3.6% |
| 6 | Central Pacific Bank Honolulu, HI | 344 | 3.5% |
| 7 | Guaranteed Rate, Inc. Chicago, IL | 333 | 3.4% |
| 8 | CMG Mortgage Inc San Ramon, IL | 309 | 3.1% |
| 9 | Mortgage Research Center Columbia, MO | 297 | 3.0% |
| 10 | PennyMac Loan Services LLC Westlake Village, CA | 272 | 2.7% |
Top Refinance Lenders in Hawaii
155 lenders made 4,026 refinance loans worth $3.0 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | First Hawaiian Bank Honolulu, HI | 597 | 14.8% |
| 2 | Bank of Hawaii Honolulu, HI | 477 | 11.8% |
| 3 | United Wholesale Mortgage Plymouth, MI | 406 | 10.1% |
| 4 | Hawaiiusa FCU Honolulu, HI | 334 | 8.3% |
| 5 | Central Pacific Bank Honolulu, HI | 224 | 5.6% |
| 6 | Hawaii State Federal Credit Union Honolulu, HI | 214 | 5.3% |
| 7 | American Savings Bank Honolulu, HI | 142 | 3.5% |
| 8 | Aloha Pacific Federal Credit Union Honolulu, HI | 115 | 2.9% |
| 9 | Freedom Mortgage Corporation Boca Raton, FL | 104 | 2.6% |
| 10 | Newrez LLC Fort Washington, PA | 97 | 2.4% |
Top Cash-Out Refinance Lenders in Hawaii
158 lenders made 2,132 cash-out refinance loans worth $1.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 115 | 5.4% |
| 2 | loanDepot.com LLC Irvine, CA | 71 | 3.3% |
| 3 | Amerisave Mortgage Company Sandy Springs, GA | 66 | 3.1% |
| 4 | American Savings Bank Honolulu, HI | 64 | 3.0% |
| 5 | Citadel Servicing Corporation Irvine, CA | 60 | 2.8% |
| 6 | Bank of Hawaii Honolulu, HI | 56 | 2.6% |
| 7 | Newrez LLC Fort Washington, PA | 54 | 2.5% |
| 8 | Homexpress Mortgage Corp. Santa Ana, CA | 53 | 2.5% |
| 9 | PennyMac Loan Services LLC Westlake Village, CA | 51 | 2.4% |
| 10 | Freedom Mortgage Corporation Boca Raton, FL | 49 | 2.3% |
Top FHA Lenders in Hawaii
72 lenders made 918 FHA loans worth $491.8 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Freedom Mortgage Corporation Boca Raton, FL | 71 | 7.7% |
| 2 | United Wholesale Mortgage Plymouth, MI | 66 | 7.2% |
| 3 | CMG Mortgage Inc San Ramon, IL | 54 | 5.9% |
| 4 | Guild Mortgage Company San Diego, CA | 51 | 5.6% |
| 5 | Finance of America Reverse LLC Tulsa, OK | 50 | 5.4% |
| 6 | DHI Mortgage Company, Ltd. Austin, TX | 49 | 5.3% |
| 7 | PennyMac Loan Services LLC Westlake Village, CA | 38 | 4.1% |
| 8 | Securitynational Mortgage Company Salt Lake City, UT | 36 | 3.9% |
| 9 | NFM, Inc Linthicum, MD | 34 | 3.7% |
| 10 | Mutual of Omaha Mortgage Lombard, IL | 31 | 3.4% |
Top VA Lenders in Hawaii
95 lenders made 3,061 VA loans worth $2.3 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 537 | 17.5% |
| 2 | Freedom Mortgage Corporation Boca Raton, FL | 380 | 12.4% |
| 3 | Mortgage Research Center Columbia, MO | 354 | 11.6% |
| 4 | PennyMac Loan Services LLC Westlake Village, CA | 183 | 6.0% |
| 5 | Newrez LLC Fort Washington, PA | 166 | 5.4% |
| 6 | DHI Mortgage Company, Ltd. Austin, TX | 118 | 3.9% |
| 7 | Guaranteed Rate, Inc. Chicago, IL | 95 | 3.1% |
| 8 | CMG Mortgage Inc San Ramon, IL | 92 | 3.0% |
| 9 | Navy Federal Credit Union Vienna, VA | 63 | 2.1% |
| 10 | loanDepot.com LLC Irvine, CA | 62 | 2.0% |
Get the lender lists
The Hawaii mortgage lender list has the 61 lenders based in Hawaii, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($39 for 2025, $78 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Hawaii lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Hawaii.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Hawaii. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Hawaii
Hawaii mortgage data by county and metro area · mortgage lenders by city in Hawaii
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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