Top Mortgage Lenders in the Urban Honolulu, HI area

Which mortgage lender in the Urban Honolulu, HI area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Urban Honolulu, HI area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Urban Honolulu, HI area is Ameris Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.15%. This means that Ameris Bank provided a -0.15% lower interest rate for its customers than other lenders in Urban Honolulu, HI for a similar set of borrowers. Ameris Bank has a market share of 0.8%. On the other hand, the most popular lender in the market is Bank Of Hawaii, with a market share of 8.8%. Bank Of Hawaii is also a relatively cheap lender, with a “Rate Difference” of -0.14% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Urban Honolulu, HI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Urban Honolulu, HI is Bank Of Hawaii. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Bank Of Hawaii. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bank Of Hawaii. The cheapest VA mortgage provider is Plaza Home Mortgage Inc. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.15% 0.81%
Bank Of Hawaii 2, -0.14% 8.78%
LoanDepot 3, -0.13% 5.82%
Territorial Savings Bank 4, -0.12% 1.94%
DHI Mortgage Company Limited 5, -0.11% 1.44%
Amerisave Mortgage Corporation 6, -0.11% 0.31%
Aloha Pacific FCU 7, -0.09% 0.35%
Plaza Home Mortgage Inc 8, -0.08% 1.28%
Central Pacific Bank 9, -0.08% 4.88%
Hawaiian Financial FCU 10, -0.08% 0.46%
American Savings Bank FSB 11, -0.08% 5.74%
Home Point Financial Corporation 12, -0.08% 1.66%
Sovereign Lending Group, Inc 13, -0.07% 0.19%
Hawaii State Federal Credit Union 14, -0.07% 1.68%
Navy Federal Credit Union 15, -0.06% 1.45%
NBKC Bank 16, -0.06% 0.67%
Primary Residential Mortgage Inc 17, -0.04% 1.17%
Fairway Independent Mort Corp 18, -0.03% 1.91%
Bank of America 19, -0.02% 0.40%
Us Bank 20, -0.02% 0.42%
Academy Mortgage Corporation 21, -0.01% 0.26%
Caliber Home Loans Inc 22, -0.01% 4.97%
Stearns Lending 23, -0.00% 1.25%
Guaranteed Rate Inc 24, 0.00% 2.31%
Wells Fargo Bank 25, 0.00% 2.62%
Mason-McDuffie Mortgage Corporation 26, 0.01% 0.17%
CMG Mortgage Inc 27, 0.01% 0.76%
Finance of America Mortgage 28, 0.02% 1.27%
Nationstar Mortgage 29, 0.03% 0.28%
JPMorgan Chase Bank 30, 0.03% 0.39%
Compass Home Loans 31, 0.03% 2.64%
Bay Equity 32, 0.03% 0.19%
Freedom Mortgage Corporation 33, 0.03% 3.47%
First Hawaiian Bank 34, 0.04% 5.80%
Paramount Residential Mortgage Group Inc 35, 0.04% 0.26%
Pennymac Loan Services 36, 0.05% 0.89%
Cardinal Financial Company LP 37, 0.05% 1.72%
American Pacific Mortgage Corporation 38, 0.05% 3.85%
HighTechLending Inc 39, 0.06% 1.34%
HomeBridge Financial Services, Inc 40, 0.06% 3.67%
Land Home Financial Services Inc 41, 0.06% 0.96%
Flagstar Bank 42, 0.07% 0.47%
VIP Mortgage Inc 43, 0.07% 0.97%
Usaa Federal Savings Bank 44, 0.07% 0.72%
Mann Mortgage 45, 0.08% 0.25%
Castle & Cooke Mortgage 46, 0.08% 1.19%
Movement Mortgage 47, 0.09% 0.71%
International City Mortgage, Inc 48, 0.10% 0.45%
Carrington Mortgage Services 49, 0.10% 0.32%
American Financing Corporation 50, 0.12% 0.29%
Guild Mortgage Company 51, 0.13% 2.40%
Axia Financial 52, 0.15% 1.06%
Primelending 53, 0.16% 1.00%
HomeStreet Bank 54, 0.17% 1.43%
Quicken Loans 55, 0.17% 6.88%
Premier Mortgage Resources 56, 0.20% 0.44%
Nations Lending Corporation 57, 0.24% 0.44%
The Federal Savings Bank 58, 0.29% 0.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.15% 7.60%
Territorial Savings Bank 2, -0.13% 1.77%
Ameris Bank 3, -0.13% 0.44%
DHI Mortgage Company Limited 4, -0.12% 2.82%
Bank of America 5, -0.12% 0.46%
LoanDepot 6, -0.11% 3.63%
Home Point Financial Corporation 7, -0.11% 1.30%
Hawaiian Financial FCU 8, -0.09% 0.32%
Navy Federal Credit Union 9, -0.09% 1.96%
NBKC Bank 10, -0.08% 0.46%
Central Pacific Bank 11, -0.08% 6.08%
Hawaii State Federal Credit Union 12, -0.07% 1.10%
American Savings Bank FSB 13, -0.06% 5.82%
Wells Fargo Bank 14, -0.05% 3.26%
Us Bank 15, -0.05% 0.47%
Freedom Mortgage Corporation 16, -0.04% 4.59%
Primary Residential Mortgage Inc 17, -0.04% 0.88%
Fairway Independent Mort Corp 18, -0.03% 2.37%
Pennymac Loan Services 19, -0.02% 0.32%
Aloha Pacific FCU 20, -0.02% 0.17%
Caliber Home Loans Inc 21, -0.02% 5.34%
Academy Mortgage Corporation 22, -0.01% 0.23%
Finance of America Mortgage 23, -0.01% 1.58%
Mason-McDuffie Mortgage Corporation 24, -0.00% 0.06%
JPMorgan Chase Bank 25, 0.00% 0.37%
Bay Equity 26, 0.01% 0.24%
Stearns Lending 27, 0.01% 1.16%
CMG Mortgage Inc 28, 0.01% 0.99%
Amerisave Mortgage Corporation 29, 0.02% 0.01%
Paramount Residential Mortgage Group Inc 30, 0.02% 0.34%
Plaza Home Mortgage Inc 31, 0.02% 0.83%
Nationstar Mortgage 32, 0.02% 0.37%
The Federal Savings Bank 33, 0.03% 0.02%
Nations Lending Corporation 34, 0.03% 0.06%
Guaranteed Rate Inc 35, 0.04% 2.52%
Compass Home Loans 36, 0.04% 3.46%
American Financing Corporation 37, 0.04% 0.08%
HomeBridge Financial Services, Inc 38, 0.04% 4.08%
HighTechLending Inc 39, 0.04% 1.18%
Carrington Mortgage Services 40, 0.05% 0.13%
Mann Mortgage 41, 0.05% 0.19%
Cardinal Financial Company LP 42, 0.06% 2.12%
Quicken Loans 43, 0.07% 3.28%
Usaa Federal Savings Bank 44, 0.07% 0.91%
VIP Mortgage Inc 45, 0.07% 1.42%
Flagstar Bank 46, 0.08% 0.44%
Land Home Financial Services Inc 47, 0.08% 0.86%
Castle & Cooke Mortgage 48, 0.09% 1.35%
Movement Mortgage 49, 0.10% 0.95%
First Hawaiian Bank 50, 0.11% 6.20%
International City Mortgage, Inc 51, 0.11% 0.55%
American Pacific Mortgage Corporation 52, 0.15% 3.96%
Guild Mortgage Company 53, 0.15% 2.86%
Axia Financial 54, 0.16% 1.73%
HomeStreet Bank 55, 0.16% 2.13%
Primelending 56, 0.19% 1.43%
Premier Mortgage Resources 57, 0.22% 0.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Ameris Bank 1, -0.16% 1.19%
LoanDepot 2, -0.13% 8.08%
Plaza Home Mortgage Inc 3, -0.13% 1.75%
Bank Of Hawaii 4, -0.12% 9.98%
Aloha Pacific FCU 5, -0.11% 0.54%
Territorial Savings Bank 6, -0.11% 2.12%
Amerisave Mortgage Corporation 7, -0.11% 0.63%
American Savings Bank FSB 8, -0.10% 5.66%
Central Pacific Bank 9, -0.09% 3.65%
Hawaii State Federal Credit Union 10, -0.07% 2.27%
Hawaiian Financial FCU 11, -0.07% 0.60%
Sovereign Lending Group, Inc 12, -0.07% 0.39%
First Hawaiian Bank 13, -0.05% 5.38%
Home Point Financial Corporation 14, -0.05% 2.02%
Primary Residential Mortgage Inc 15, -0.05% 1.46%
American Pacific Mortgage Corporation 16, -0.04% 3.73%
NBKC Bank 17, -0.04% 0.89%
Guaranteed Rate Inc 18, -0.04% 2.08%
Fairway Independent Mort Corp 19, -0.04% 1.45%
Academy Mortgage Corporation 20, -0.01% 0.29%
Stearns Lending 21, -0.01% 1.35%
Navy Federal Credit Union 22, -0.00% 0.93%
Compass Home Loans 23, 0.00% 1.80%
Caliber Home Loans Inc 24, 0.01% 4.59%
Mason-McDuffie Mortgage Corporation 25, 0.01% 0.27%
CMG Mortgage Inc 26, 0.02% 0.53%
DHI Mortgage Company Limited 27, 0.02% 0.02%
Us Bank 28, 0.03% 0.36%
Cardinal Financial Company LP 29, 0.03% 1.31%
Nationstar Mortgage 30, 0.03% 0.19%
JPMorgan Chase Bank 31, 0.05% 0.41%
Land Home Financial Services Inc 32, 0.06% 1.07%
Flagstar Bank 33, 0.06% 0.50%
VIP Mortgage Inc 34, 0.06% 0.51%
Bay Equity 35, 0.06% 0.14%
Castle & Cooke Mortgage 36, 0.07% 1.03%
International City Mortgage, Inc 37, 0.07% 0.35%
HighTechLending Inc 38, 0.07% 1.50%
Pennymac Loan Services 39, 0.07% 1.48%
Movement Mortgage 40, 0.07% 0.46%
Finance of America Mortgage 41, 0.08% 0.95%
Primelending 42, 0.08% 0.56%
Usaa Federal Savings Bank 43, 0.08% 0.52%
Premier Mortgage Resources 44, 0.08% 0.13%
HomeBridge Financial Services, Inc 45, 0.08% 3.25%
Axia Financial 46, 0.08% 0.37%
Paramount Residential Mortgage Group Inc 47, 0.09% 0.17%
Mann Mortgage 48, 0.09% 0.31%
Guild Mortgage Company 49, 0.10% 1.93%
Wells Fargo Bank 50, 0.10% 1.97%
Bank of America 51, 0.11% 0.35%
Carrington Mortgage Services 52, 0.12% 0.52%
American Financing Corporation 53, 0.14% 0.50%
Freedom Mortgage Corporation 54, 0.18% 2.32%
HomeStreet Bank 55, 0.21% 0.71%
Quicken Loans 56, 0.21% 10.57%
Nations Lending Corporation 57, 0.26% 0.82%
The Federal Savings Bank 58, 0.30% 1.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.16% 9.94%
Territorial Savings Bank 2, -0.16% 2.34%
DHI Mortgage Company Limited 3, -0.16% 1.27%
Amerisave Mortgage Corporation 4, -0.13% 0.42%
Home Point Financial Corporation 5, -0.12% 0.88%
Ameris Bank 6, -0.11% 0.32%
LoanDepot 7, -0.10% 5.62%
Aloha Pacific FCU 8, -0.09% 0.54%
Central Pacific Bank 9, -0.09% 6.05%
American Savings Bank FSB 10, -0.09% 7.43%
Hawaii State Federal Credit Union 11, -0.08% 2.43%
Hawaiian Financial FCU 12, -0.08% 0.72%
NBKC Bank 13, -0.07% 0.80%
Primary Residential Mortgage Inc 14, -0.06% 1.55%
Us Bank 15, -0.03% 0.48%
Fairway Independent Mort Corp 16, -0.03% 1.85%
Academy Mortgage Corporation 17, -0.02% 0.31%
Bank of America 18, -0.02% 0.45%
Caliber Home Loans Inc 19, -0.02% 5.20%
Cardinal Financial Company LP 20, -0.01% 0.53%
Guaranteed Rate Inc 21, -0.00% 1.65%
Sovereign Lending Group, Inc 22, 0.00% 0.03%
Mason-McDuffie Mortgage Corporation 23, 0.00% 0.21%
CMG Mortgage Inc 24, 0.01% 0.55%
JPMorgan Chase Bank 25, 0.02% 0.46%
Compass Home Loans 26, 0.02% 2.78%
Wells Fargo Bank 27, 0.02% 3.25%
Nationstar Mortgage 28, 0.02% 0.14%
Stearns Lending 29, 0.02% 0.82%
Bay Equity 30, 0.03% 0.20%
The Federal Savings Bank 31, 0.04% 0.07%
Usaa Federal Savings Bank 32, 0.04% 0.26%
First Hawaiian Bank 33, 0.04% 7.41%
Plaza Home Mortgage Inc 34, 0.04% 0.81%
Finance of America Mortgage 35, 0.05% 1.33%
Paramount Residential Mortgage Group Inc 36, 0.05% 0.29%
Land Home Financial Services Inc 37, 0.05% 0.11%
Mann Mortgage 38, 0.06% 0.15%
Freedom Mortgage Corporation 39, 0.07% 2.60%
HighTechLending Inc 40, 0.07% 1.51%
VIP Mortgage Inc 41, 0.07% 1.33%
HomeBridge Financial Services, Inc 42, 0.07% 2.72%
Navy Federal Credit Union 43, 0.08% 0.67%
Pennymac Loan Services 44, 0.08% 0.48%
Flagstar Bank 45, 0.08% 0.60%
Castle & Cooke Mortgage 46, 0.09% 0.99%
International City Mortgage, Inc 47, 0.10% 0.28%
Carrington Mortgage Services 48, 0.10% 0.20%
Movement Mortgage 49, 0.11% 0.60%
American Pacific Mortgage Corporation 50, 0.11% 0.55%
Axia Financial 51, 0.15% 1.39%
Guild Mortgage Company 52, 0.16% 2.51%
Primelending 53, 0.18% 1.37%
Quicken Loans 54, 0.18% 9.69%
American Financing Corporation 55, 0.18% 0.26%
HomeStreet Bank 56, 0.19% 1.46%
Premier Mortgage Resources 57, 0.21% 0.65%
Nations Lending Corporation 58, 0.33% 0.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.18% 8.11%
DHI Mortgage Company Limited 2, -0.16% 2.49%
Territorial Savings Bank 3, -0.15% 2.34%
Bank of America 4, -0.15% 0.50%
Home Point Financial Corporation 5, -0.14% 0.97%
LoanDepot 6, -0.12% 3.82%
NBKC Bank 7, -0.10% 0.50%
Hawaiian Financial FCU 8, -0.09% 0.50%
Central Pacific Bank 9, -0.08% 7.41%
Hawaii State Federal Credit Union 10, -0.08% 1.52%
Us Bank 11, -0.08% 0.53%
Ameris Bank 12, -0.06% 0.18%
American Savings Bank FSB 13, -0.06% 7.35%
Wells Fargo Bank 14, -0.04% 3.74%
Primary Residential Mortgage Inc 15, -0.04% 1.09%
Fairway Independent Mort Corp 16, -0.04% 2.45%
JPMorgan Chase Bank 17, -0.03% 0.35%
Aloha Pacific FCU 18, -0.02% 0.25%
Academy Mortgage Corporation 19, -0.02% 0.25%
Caliber Home Loans Inc 20, -0.02% 6.01%
Pennymac Loan Services 21, -0.01% 0.30%
CMG Mortgage Inc 22, -0.01% 0.67%
Cardinal Financial Company LP 23, -0.01% 0.62%
Mason-McDuffie Mortgage Corporation 24, -0.00% 0.07%
Bay Equity 25, 0.00% 0.23%
Stearns Lending 26, 0.00% 0.88%
Plaza Home Mortgage Inc 27, 0.01% 0.78%
Nationstar Mortgage 28, 0.01% 0.02%
Usaa Federal Savings Bank 29, 0.02% 0.33%
Guaranteed Rate Inc 30, 0.02% 2.10%
Finance of America Mortgage 31, 0.02% 1.62%
Paramount Residential Mortgage Group Inc 32, 0.02% 0.38%
Amerisave Mortgage Corporation 33, 0.02% 0.02%
Freedom Mortgage Corporation 34, 0.03% 3.34%
The Federal Savings Bank 35, 0.03% 0.03%
Compass Home Loans 36, 0.04% 3.87%
Mann Mortgage 37, 0.04% 0.15%
Nations Lending Corporation 38, 0.05% 0.03%
HighTechLending Inc 39, 0.05% 1.50%
Land Home Financial Services Inc 40, 0.05% 0.13%
American Financing Corporation 41, 0.07% 0.07%
Carrington Mortgage Services 42, 0.07% 0.10%
Quicken Loans 43, 0.07% 4.42%
VIP Mortgage Inc 44, 0.07% 1.87%
Flagstar Bank 45, 0.08% 0.63%
HomeBridge Financial Services, Inc 46, 0.08% 3.29%
Movement Mortgage 47, 0.10% 0.75%
International City Mortgage, Inc 48, 0.11% 0.40%
American Pacific Mortgage Corporation 49, 0.11% 0.67%
Navy Federal Credit Union 50, 0.12% 0.77%
Castle & Cooke Mortgage 51, 0.12% 1.09%
First Hawaiian Bank 52, 0.13% 8.16%
Axia Financial 53, 0.17% 2.20%
HomeStreet Bank 54, 0.17% 2.22%
Guild Mortgage Company 55, 0.18% 2.89%
Primelending 56, 0.22% 1.89%
Premier Mortgage Resources 57, 0.23% 1.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Territorial Savings Bank 1, -0.17% 2.34%
Bank Of Hawaii 2, -0.15% 11.83%
Amerisave Mortgage Corporation 3, -0.13% 0.85%
Ameris Bank 4, -0.13% 0.47%
American Savings Bank FSB 5, -0.12% 7.52%
Central Pacific Bank 6, -0.11% 4.64%
Aloha Pacific FCU 7, -0.11% 0.85%
LoanDepot 8, -0.09% 7.47%
Home Point Financial Corporation 9, -0.09% 0.80%
Hawaii State Federal Credit Union 10, -0.08% 3.37%
Hawaiian Financial FCU 11, -0.08% 0.95%
First Hawaiian Bank 12, -0.07% 6.63%
Primary Residential Mortgage Inc 13, -0.06% 2.04%
NBKC Bank 14, -0.05% 1.11%
Compass Home Loans 15, -0.04% 1.64%
Guaranteed Rate Inc 16, -0.04% 1.18%
Academy Mortgage Corporation 17, -0.02% 0.38%
Caliber Home Loans Inc 18, -0.02% 4.36%
Cardinal Financial Company LP 19, -0.01% 0.43%
Fairway Independent Mort Corp 20, -0.01% 1.23%
Sovereign Lending Group, Inc 21, 0.01% 0.07%
Mason-McDuffie Mortgage Corporation 22, 0.01% 0.36%
DHI Mortgage Company Limited 23, 0.01% 0.02%
Us Bank 24, 0.02% 0.42%
Navy Federal Credit Union 25, 0.02% 0.57%
Nationstar Mortgage 26, 0.03% 0.28%
CMG Mortgage Inc 27, 0.03% 0.43%
The Federal Savings Bank 28, 0.04% 0.10%
Stearns Lending 29, 0.04% 0.76%
Land Home Financial Services Inc 30, 0.04% 0.09%
JPMorgan Chase Bank 31, 0.05% 0.57%
HomeBridge Financial Services, Inc 32, 0.05% 2.13%
Castle & Cooke Mortgage 33, 0.06% 0.88%
VIP Mortgage Inc 34, 0.06% 0.76%
Mann Mortgage 35, 0.07% 0.16%
International City Mortgage, Inc 36, 0.07% 0.16%
Flagstar Bank 37, 0.07% 0.57%
Bay Equity 38, 0.08% 0.17%
Plaza Home Mortgage Inc 39, 0.08% 0.83%
Primelending 40, 0.08% 0.83%
Usaa Federal Savings Bank 41, 0.08% 0.19%
Premier Mortgage Resources 42, 0.08% 0.19%
Axia Financial 43, 0.09% 0.55%
HighTechLending Inc 44, 0.09% 1.52%
Finance of America Mortgage 45, 0.10% 1.02%
Wells Fargo Bank 46, 0.10% 2.75%
Movement Mortgage 47, 0.11% 0.45%
Paramount Residential Mortgage Group Inc 48, 0.11% 0.19%
American Pacific Mortgage Corporation 49, 0.11% 0.43%
Carrington Mortgage Services 50, 0.11% 0.29%
Guild Mortgage Company 51, 0.12% 2.11%
Pennymac Loan Services 52, 0.12% 0.66%
Freedom Mortgage Corporation 53, 0.14% 1.83%
Bank of America 54, 0.15% 0.40%
American Financing Corporation 55, 0.20% 0.47%
Quicken Loans 56, 0.22% 15.15%
HomeStreet Bank 57, 0.26% 0.67%
Nations Lending Corporation 58, 0.34% 0.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.18% 3.99%
LoanDepot 2, -0.12% 8.81%
Central Pacific Bank 3, -0.11% 1.57%
Caliber Home Loans Inc 4, -0.09% 3.04%
Stearns Lending 5, -0.07% 3.36%
Freedom Mortgage Corporation 6, -0.06% 7.45%
HomeBridge Financial Services, Inc 7, -0.04% 5.04%
Amerisave Mortgage Corporation 8, -0.02% 0.31%
Pennymac Loan Services 9, -0.02% 0.73%
Finance of America Mortgage 10, -0.02% 0.84%
Flagstar Bank 11, -0.02% 0.42%
Home Point Financial Corporation 12, -0.01% 1.57%
Primary Residential Mortgage Inc 13, -0.01% 0.31%
Nationstar Mortgage 14, -0.01% 0.52%
Navy Federal Credit Union 15, -0.00% 0.10%
Academy Mortgage Corporation 16, -0.00% 0.10%
NBKC Bank 17, -0.00% 0.10%
Quicken Loans 18, -0.00% 5.88%
Ameris Bank 19, 0.00% 0.42%
Mason-McDuffie Mortgage Corporation 20, 0.00% 0.10%
The Federal Savings Bank 21, 0.00% 0.21%
American Financing Corporation 22, 0.00% 1.89%
HighTechLending Inc 23, 0.00% 5.67%
Premier Mortgage Resources 24, 0.01% 0.10%
DHI Mortgage Company Limited 25, 0.01% 2.41%
Primelending 26, 0.01% 0.21%
Fairway Independent Mort Corp 27, 0.01% 2.41%
Plaza Home Mortgage Inc 28, 0.01% 3.57%
Bank of America 29, 0.01% 0.10%
Guaranteed Rate Inc 30, 0.01% 0.63%
Bay Equity 31, 0.01% 0.31%
American Pacific Mortgage Corporation 32, 0.02% 0.52%
CMG Mortgage Inc 33, 0.03% 0.73%
Cardinal Financial Company LP 34, 0.03% 2.31%
Nations Lending Corporation 35, 0.03% 1.78%
VIP Mortgage Inc 36, 0.04% 1.26%
Castle & Cooke Mortgage 37, 0.04% 3.57%
International City Mortgage, Inc 38, 0.04% 0.42%
Compass Home Loans 39, 0.07% 1.68%
Guild Mortgage Company 40, 0.08% 8.71%
Carrington Mortgage Services 41, 0.08% 2.10%
Mann Mortgage 42, 0.08% 1.78%
Movement Mortgage 43, 0.10% 3.57%
HomeStreet Bank 44, 0.13% 7.76%
Axia Financial 45, 0.13% 1.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.15% 7.61%
Central Pacific Bank 2, -0.11% 2.60%
Caliber Home Loans Inc 3, -0.11% 3.81%
Bank Of Hawaii 4, -0.11% 2.77%
Freedom Mortgage Corporation 5, -0.09% 8.13%
Stearns Lending 6, -0.07% 3.46%
HomeBridge Financial Services, Inc 7, -0.06% 5.88%
Cardinal Financial Company LP 8, -0.06% 0.87%
Pennymac Loan Services 9, -0.04% 0.52%
Quicken Loans 10, -0.02% 3.81%
Home Point Financial Corporation 11, -0.02% 2.08%
Finance of America Mortgage 12, -0.02% 0.87%
Primary Residential Mortgage Inc 13, -0.02% 0.35%
Flagstar Bank 14, -0.01% 0.17%
Ameris Bank 15, -0.01% 0.17%
HighTechLending Inc 16, -0.01% 2.42%
Nationstar Mortgage 17, -0.01% 0.87%
American Financing Corporation 18, -0.01% 0.69%
Carrington Mortgage Services 19, -0.01% 0.35%
Navy Federal Credit Union 20, -0.01% 0.17%
Academy Mortgage Corporation 21, -0.01% 0.17%
NBKC Bank 22, -0.00% 0.17%
Premier Mortgage Resources 23, 0.00% 0.17%
Fairway Independent Mort Corp 24, 0.00% 2.94%
DHI Mortgage Company Limited 25, 0.00% 3.98%
Primelending 26, 0.01% 0.35%
Bank of America 27, 0.01% 0.17%
Bay Equity 28, 0.01% 0.52%
Nations Lending Corporation 29, 0.01% 0.52%
American Pacific Mortgage Corporation 30, 0.02% 0.87%
Guaranteed Rate Inc 31, 0.02% 0.52%
Castle & Cooke Mortgage 32, 0.03% 4.50%
Plaza Home Mortgage Inc 33, 0.03% 3.29%
CMG Mortgage Inc 34, 0.04% 0.87%
International City Mortgage, Inc 35, 0.04% 0.69%
VIP Mortgage Inc 36, 0.04% 1.73%
Mann Mortgage 37, 0.05% 0.69%
Compass Home Loans 38, 0.07% 2.42%
Guild Mortgage Company 39, 0.09% 11.07%
Movement Mortgage 40, 0.11% 5.54%
HomeStreet Bank 41, 0.13% 8.82%
Axia Financial 42, 0.14% 2.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.24% 5.87%
LoanDepot 2, -0.08% 10.67%
Stearns Lending 3, -0.06% 3.20%
Caliber Home Loans Inc 4, -0.02% 1.87%
Amerisave Mortgage Corporation 5, -0.02% 0.80%
Plaza Home Mortgage Inc 6, -0.02% 4.00%
Flagstar Bank 7, -0.02% 0.80%
Finance of America Mortgage 8, -0.01% 0.80%
VIP Mortgage Inc 9, -0.01% 0.53%
Movement Mortgage 10, -0.00% 0.53%
CMG Mortgage Inc 11, -0.00% 0.53%
Pennymac Loan Services 12, -0.00% 1.07%
Primary Residential Mortgage Inc 13, 0.00% 0.27%
Freedom Mortgage Corporation 14, 0.00% 6.40%
Mason-McDuffie Mortgage Corporation 15, 0.01% 0.27%
The Federal Savings Bank 16, 0.01% 0.53%
Ameris Bank 17, 0.01% 0.80%
Guaranteed Rate Inc 18, 0.01% 0.80%
American Financing Corporation 19, 0.01% 3.73%
Home Point Financial Corporation 20, 0.01% 0.80%
HighTechLending Inc 21, 0.01% 10.67%
Compass Home Loans 22, 0.01% 0.53%
Quicken Loans 23, 0.01% 9.07%
HomeBridge Financial Services, Inc 24, 0.02% 3.73%
Fairway Independent Mort Corp 25, 0.02% 1.60%
Guild Mortgage Company 26, 0.03% 5.07%
Axia Financial 27, 0.03% 0.27%
Nations Lending Corporation 28, 0.04% 3.73%
Castle & Cooke Mortgage 29, 0.05% 2.13%
Cardinal Financial Company LP 30, 0.05% 4.53%
Mann Mortgage 31, 0.09% 3.47%
Carrington Mortgage Services 32, 0.09% 4.80%
HomeStreet Bank 33, 0.12% 6.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.05% 28.47%
Wells Fargo Bank 2, -0.03% 7.10%
American Savings Bank FSB 3, -0.03% 13.19%
Bank of America 4, -0.00% 1.70%
Central Pacific Bank 5, 0.02% 11.27%
Territorial Savings Bank 6, 0.03% 6.87%
CMG Mortgage Inc 7, 0.03% 0.08%
First Hawaiian Bank 8, 0.03% 16.28%
Aloha Pacific FCU 9, 0.04% 0.15%
Navy Federal Credit Union 10, 0.04% 1.77%
Freedom Mortgage Corporation 11, 0.04% 0.08%
Academy Mortgage Corporation 12, 0.04% 0.23%
Movement Mortgage 13, 0.04% 0.08%
Cardinal Financial Company LP 14, 0.04% 0.08%
Hawaii State Federal Credit Union 15, 0.05% 1.77%
VIP Mortgage Inc 16, 0.05% 0.08%
HomeStreet Bank 17, 0.05% 0.15%
Us Bank 18, 0.05% 1.62%
Fairway Independent Mort Corp 19, 0.05% 0.08%
Flagstar Bank 20, 0.05% 0.08%
Hawaiian Financial FCU 21, 0.05% 0.08%
HighTechLending Inc 22, 0.06% 0.23%
Paramount Residential Mortgage Group Inc 23, 0.06% 0.08%
Mason-McDuffie Mortgage Corporation 24, 0.06% 0.08%
American Pacific Mortgage Corporation 25, 0.06% 0.15%
Finance of America Mortgage 26, 0.06% 0.39%
Primelending 27, 0.07% 0.39%
Guild Mortgage Company 28, 0.07% 0.54%
HomeBridge Financial Services, Inc 29, 0.07% 0.69%
International City Mortgage, Inc 30, 0.07% 0.08%
LoanDepot 31, 0.07% 0.23%
Carrington Mortgage Services 32, 0.07% 0.08%
Bay Equity 33, 0.07% 0.08%
Compass Home Loans 34, 0.07% 0.46%
JPMorgan Chase Bank 35, 0.08% 1.47%
Guaranteed Rate Inc 36, 0.08% 0.69%
Quicken Loans 37, 0.10% 1.31%
Primary Residential Mortgage Inc 38, 0.10% 0.15%
Caliber Home Loans Inc 39, 0.12% 0.62%
Axia Financial 40, 0.14% 1.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.06% 27.73%
Wells Fargo Bank 2, -0.05% 10.08%
American Savings Bank FSB 3, -0.03% 14.01%
Bank of America 4, -0.01% 1.82%
Territorial Savings Bank 5, 0.01% 3.92%
Aloha Pacific FCU 6, 0.04% 0.14%
Central Pacific Bank 7, 0.04% 11.62%
First Hawaiian Bank 8, 0.04% 13.73%
Freedom Mortgage Corporation 9, 0.05% 0.14%
Navy Federal Credit Union 10, 0.05% 1.96%
Academy Mortgage Corporation 11, 0.05% 0.14%
Cardinal Financial Company LP 12, 0.05% 0.14%
VIP Mortgage Inc 13, 0.06% 0.14%
HomeStreet Bank 14, 0.06% 0.14%
Us Bank 15, 0.06% 1.68%
Fairway Independent Mort Corp 16, 0.06% 0.14%
Flagstar Bank 17, 0.06% 0.14%
Hawaii State Federal Credit Union 18, 0.06% 1.40%
HighTechLending Inc 19, 0.06% 0.42%
Quicken Loans 20, 0.07% 0.42%
Paramount Residential Mortgage Group Inc 21, 0.07% 0.14%
American Pacific Mortgage Corporation 22, 0.07% 0.28%
Finance of America Mortgage 23, 0.07% 0.56%
Primelending 24, 0.08% 0.56%
Guild Mortgage Company 25, 0.08% 0.70%
International City Mortgage, Inc 26, 0.08% 0.14%
Carrington Mortgage Services 27, 0.08% 0.14%
Bay Equity 28, 0.08% 0.14%
Compass Home Loans 29, 0.08% 0.84%
HomeBridge Financial Services, Inc 30, 0.09% 0.98%
JPMorgan Chase Bank 31, 0.09% 1.96%
Guaranteed Rate Inc 32, 0.10% 0.98%
Caliber Home Loans Inc 33, 0.14% 0.84%
Axia Financial 34, 0.16% 1.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank Of Hawaii 1, -0.04% 29.38%
American Savings Bank FSB 2, -0.02% 12.20%
Central Pacific Bank 3, -0.02% 10.82%
Bank of America 4, -0.00% 1.55%
First Hawaiian Bank 5, 0.02% 19.42%
CMG Mortgage Inc 6, 0.02% 0.17%
Navy Federal Credit Union 7, 0.02% 1.55%
Territorial Savings Bank 8, 0.03% 10.48%
Aloha Pacific FCU 9, 0.03% 0.17%
HomeBridge Financial Services, Inc 10, 0.03% 0.34%
Academy Mortgage Corporation 11, 0.03% 0.34%
Movement Mortgage 12, 0.03% 0.17%
Guaranteed Rate Inc 13, 0.03% 0.34%
Hawaii State Federal Credit Union 14, 0.03% 2.23%
Axia Financial 15, 0.04% 0.17%
Us Bank 16, 0.04% 1.55%
HomeStreet Bank 17, 0.04% 0.17%
Hawaiian Financial FCU 18, 0.04% 0.17%
Primelending 19, 0.04% 0.17%
Finance of America Mortgage 20, 0.05% 0.17%
Mason-McDuffie Mortgage Corporation 21, 0.05% 0.17%
Guild Mortgage Company 22, 0.05% 0.34%
JPMorgan Chase Bank 23, 0.06% 0.86%
LoanDepot 24, 0.06% 0.52%
Wells Fargo Bank 25, 0.06% 3.44%
Caliber Home Loans Inc 26, 0.08% 0.34%
Primary Residential Mortgage Inc 27, 0.09% 0.34%
Quicken Loans 28, 0.09% 2.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Plaza Home Mortgage Inc 1, -0.23% 2.36%
LoanDepot 2, -0.19% 7.26%
Ameris Bank 3, -0.17% 2.32%
Navy Federal Credit Union 4, -0.13% 3.56%
Central Pacific Bank 5, -0.10% 0.91%
Sovereign Lending Group, Inc 6, -0.09% 0.67%
DHI Mortgage Company Limited 7, -0.08% 2.04%
Fairway Independent Mort Corp 8, -0.06% 2.46%
Home Point Financial Corporation 9, -0.06% 4.04%
Finance of America Mortgage 10, -0.03% 1.45%
NBKC Bank 11, -0.03% 0.65%
Bank Of Hawaii 12, -0.02% 1.47%
Stearns Lending 13, -0.01% 2.23%
HighTechLending Inc 14, -0.00% 0.34%
American Savings Bank FSB 15, -0.00% 0.67%
Bay Equity 16, 0.00% 0.17%
Guaranteed Rate Inc 17, 0.01% 4.72%
Flagstar Bank 18, 0.01% 0.25%
Freedom Mortgage Corporation 19, 0.01% 5.77%
Mason-McDuffie Mortgage Corporation 20, 0.01% 0.08%
Primary Residential Mortgage Inc 21, 0.01% 0.65%
Caliber Home Loans Inc 22, 0.01% 5.98%
Wells Fargo Bank 23, 0.01% 0.36%
Academy Mortgage Corporation 24, 0.01% 0.17%
Movement Mortgage 25, 0.01% 0.57%
Amerisave Mortgage Corporation 26, 0.02% 0.13%
First Hawaiian Bank 27, 0.02% 0.11%
CMG Mortgage Inc 28, 0.02% 1.47%
Us Bank 29, 0.03% 0.02%
Hawaii State Federal Credit Union 30, 0.03% 0.13%
Paramount Residential Mortgage Group Inc 31, 0.03% 0.27%
Nationstar Mortgage 32, 0.03% 0.65%
Pennymac Loan Services 33, 0.03% 2.19%
Compass Home Loans 34, 0.04% 3.09%
Premier Mortgage Resources 35, 0.04% 0.08%
Guild Mortgage Company 36, 0.05% 1.39%
American Pacific Mortgage Corporation 37, 0.05% 13.68%
Axia Financial 38, 0.05% 0.13%
HomeBridge Financial Services, Inc 39, 0.06% 6.57%
American Financing Corporation 40, 0.06% 0.11%
VIP Mortgage Inc 41, 0.06% 0.27%
Cardinal Financial Company LP 42, 0.06% 5.01%
Land Home Financial Services Inc 43, 0.06% 3.54%
Primelending 44, 0.07% 0.42%
Castle & Cooke Mortgage 45, 0.08% 1.54%
Mann Mortgage 46, 0.08% 0.25%
Usaa Federal Savings Bank 47, 0.08% 2.19%
International City Mortgage, Inc 48, 0.10% 0.97%
Nations Lending Corporation 49, 0.11% 0.25%
Carrington Mortgage Services 50, 0.12% 0.34%
HomeStreet Bank 51, 0.13% 0.44%
Quicken Loans 52, 0.20% 1.62%
The Federal Savings Bank 53, 0.31% 1.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.18% 5.61%
Ameris Bank 2, -0.17% 1.35%
Central Pacific Bank 3, -0.14% 1.61%
Freedom Mortgage Corporation 4, -0.12% 8.48%
Home Point Financial Corporation 5, -0.11% 2.42%
DHI Mortgage Company Limited 6, -0.10% 4.30%
LoanDepot 7, -0.08% 3.23%
Finance of America Mortgage 8, -0.08% 1.97%
NBKC Bank 9, -0.06% 0.58%
Fairway Independent Mort Corp 10, -0.05% 2.69%
Pennymac Loan Services 11, -0.05% 0.40%
Caliber Home Loans Inc 12, -0.04% 5.38%
Primary Residential Mortgage Inc 13, -0.02% 0.76%
Bay Equity 14, -0.01% 0.22%
Mason-McDuffie Mortgage Corporation 15, -0.01% 0.09%
HighTechLending Inc 16, -0.01% 0.22%
American Savings Bank FSB 17, -0.01% 0.63%
Wells Fargo Bank 18, -0.01% 0.63%
HomeBridge Financial Services, Inc 19, -0.01% 6.73%
Bank Of Hawaii 20, -0.00% 1.03%
First Hawaiian Bank 21, 0.00% 0.13%
Flagstar Bank 22, 0.00% 0.09%
Academy Mortgage Corporation 23, 0.01% 0.22%
Us Bank 24, 0.01% 0.04%
Hawaii State Federal Credit Union 25, 0.01% 0.18%
Paramount Residential Mortgage Group Inc 26, 0.01% 0.36%
CMG Mortgage Inc 27, 0.02% 2.20%
Nationstar Mortgage 28, 0.02% 1.30%
Plaza Home Mortgage Inc 29, 0.02% 0.58%
Compass Home Loans 30, 0.02% 3.45%
Movement Mortgage 31, 0.02% 0.58%
Nations Lending Corporation 32, 0.03% 0.04%
Guild Mortgage Company 33, 0.03% 1.35%
Premier Mortgage Resources 34, 0.03% 0.13%
Carrington Mortgage Services 35, 0.04% 0.13%
Stearns Lending 36, 0.04% 1.66%
Axia Financial 37, 0.04% 0.27%
VIP Mortgage Inc 38, 0.05% 0.54%
Guaranteed Rate Inc 39, 0.05% 4.66%
Mann Mortgage 40, 0.05% 0.22%
Primelending 41, 0.07% 0.76%
Cardinal Financial Company LP 42, 0.07% 7.13%
Land Home Financial Services Inc 43, 0.07% 3.32%
Quicken Loans 44, 0.07% 0.99%
Usaa Federal Savings Bank 45, 0.07% 3.00%
Castle & Cooke Mortgage 46, 0.07% 1.66%
International City Mortgage, Inc 47, 0.13% 1.03%
HomeStreet Bank 48, 0.13% 0.81%
American Pacific Mortgage Corporation 49, 0.14% 14.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Plaza Home Mortgage Inc 1, -0.25% 3.93%
LoanDepot 2, -0.21% 10.83%
Ameris Bank 3, -0.17% 3.17%
Fairway Independent Mort Corp 4, -0.08% 2.26%
Sovereign Lending Group, Inc 5, -0.07% 1.27%
American Pacific Mortgage Corporation 6, -0.05% 12.70%
Home Point Financial Corporation 7, -0.03% 5.48%
Guaranteed Rate Inc 8, -0.03% 4.76%
Stearns Lending 9, -0.03% 2.74%
Navy Federal Credit Union 10, -0.02% 1.75%
Bank Of Hawaii 11, -0.02% 1.87%
NBKC Bank 12, 0.00% 0.71%
CMG Mortgage Inc 13, 0.01% 0.83%
HighTechLending Inc 14, 0.01% 0.44%
American Savings Bank FSB 15, 0.01% 0.71%
Movement Mortgage 16, 0.01% 0.56%
Academy Mortgage Corporation 17, 0.02% 0.12%
Flagstar Bank 18, 0.02% 0.40%
Bay Equity 19, 0.02% 0.12%
Mason-McDuffie Mortgage Corporation 20, 0.03% 0.08%
DHI Mortgage Company Limited 21, 0.03% 0.04%
Amerisave Mortgage Corporation 22, 0.03% 0.24%
Cardinal Financial Company LP 23, 0.03% 3.13%
First Hawaiian Bank 24, 0.03% 0.08%
Finance of America Mortgage 25, 0.04% 0.99%
VIP Mortgage Inc 26, 0.04% 0.04%
Central Pacific Bank 27, 0.04% 0.28%
Primary Residential Mortgage Inc 28, 0.04% 0.56%
Primelending 29, 0.04% 0.12%
Hawaii State Federal Credit Union 30, 0.04% 0.08%
Paramount Residential Mortgage Group Inc 31, 0.04% 0.20%
Premier Mortgage Resources 32, 0.04% 0.04%
Nationstar Mortgage 33, 0.05% 0.08%
Caliber Home Loans Inc 34, 0.05% 6.51%
Pennymac Loan Services 35, 0.05% 3.77%
Land Home Financial Services Inc 36, 0.06% 3.73%
Compass Home Loans 37, 0.06% 2.78%
HomeStreet Bank 38, 0.06% 0.12%
Wells Fargo Bank 39, 0.07% 0.12%
Guild Mortgage Company 40, 0.07% 1.43%
International City Mortgage, Inc 41, 0.07% 0.91%
American Financing Corporation 42, 0.07% 0.20%
Castle & Cooke Mortgage 43, 0.08% 1.43%
Usaa Federal Savings Bank 44, 0.09% 1.47%
Mann Mortgage 45, 0.10% 0.28%
HomeBridge Financial Services, Inc 46, 0.11% 6.43%
Nations Lending Corporation 47, 0.13% 0.44%
Carrington Mortgage Services 48, 0.15% 0.52%
Quicken Loans 49, 0.26% 2.18%
Freedom Mortgage Corporation 50, 0.27% 3.37%
The Federal Savings Bank 51, 0.32% 3.73%

* Data is compiled for the Urban Honolulu, HI commuting zone area, which comprises of counties of Hawaii County, HI, Honolulu County, HI, Kalawao County, HI, and Maui County, HI. This includes cities/towns/communities of Urban Honolulu, HI as well as East Honolulu, HI, Ocean Pointe, HI, Makakilo, HI, Kailua, HI, Ewa Gentry, HI, Mililani Town, HI, Pearl City, HI, Wailuku, HI, Kaneohe, HI, Kihei, HI, Mililani Mauka, HI, Kapolei, HI, Hilo, HI, Hawaiian Paradise Park, HI, Waipahu, HI, Puako, HI, Maili, HI, Waimalu, HI, Royal Kunia, HI, Holualoa, HI, Kahului, HI, Ahuimanu, HI, Kalaoa, HI, Waipio, HI, Wahiawa, HI, Kailua, HI, Waikele, HI, Ewa Beach, HI, Ewa Villages, HI, Waipio Acres, HI, Halawa, HI, Volcano, HI, Pukalani, HI, Waimea, HI, Makaha, HI, Mahinahina, HI, Aiea, HI, Makena, HI, Kahaluu-Keauhou, HI, Haiku-Pauwela, HI, Kula, HI, Napili-Honokowai, HI, Pupukea, HI, Wailea, HI, Waialua, HI, Ko Olina, HI, Lahaina, HI, Eden Roc, HI, Hauula, HI, and Launiupoko, HI. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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