Top Mortgage Lenders in Urban Honolulu, HI

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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Urban Honolulu, HI area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Urban Honolulu, HI area in terms of interest rate is Ameris Bank, with an average “Rate Difference” of -0.15%. This means that, comparing similar borrowers, Ameris Bank provided a -0.15% lower interest rate for its customers than other lenders in the area. Ameris Bank has a market share of 0.9%. On the other hand, the most popular lender in the Urban Honolulu, HI area is Bank of Hawaii, with a larger market share of 8.0%. Bank of Hawaii is also a relatively cheap lender, with a “Rate Difference” of -0.13% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Urban Honolulu, HI is Territorial Savings Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Urban Honolulu, HI

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.15%(4.5)0.88%
Territorial Savings Bank-0.13%(4.0)1.56%
loanDepot-0.13%(4.0)6.12%
Bank of Hawaii-0.13%(4.0)7.99%
DHI Mortgage Company Limited-0.11%(4.0)1.53%
Plaza Home Mortgage-0.09%(4.0)1.36%
Aloha Pacific Federal Credit Union-0.09%(4.0)0.35%
Central Pacific Bank-0.09%(4.0)4.95%
Hawaiian Financial FCU-0.08%(4.0)0.45%
Sovereign Lending Group-0.07%(4.0)0.21%
Hawaii State Federal Credit Union-0.07%(4.0)1.54%
Home Point Financial Corporation-0.07%(4.0)1.78%
Amerisave Mortgage Corporation-0.07%(4.0)0.27%
American Savings Bank-0.07%(4.0)5.49%
NBKC Bank-0.06%(4.0)0.73%
Navy Federal Credit Union-0.06%(4.0)1.36%
Primary Residential Mortgage Inc-0.04%(3.5)1.21%
Bank of America-0.03%(3.5)0.42%
Fairway Independent Mortgage Corporation-0.03%(3.5)1.99%
US Bank-0.02%(3.5)0.45%
Academy Mortgage Corporation Utah-0.02%(3.5)0.26%
Caliber Home Loans-0.01%(3.5)5.17%
Wells Fargo Bank-0.00%(3.5)2.82%
CMG Financial0.00%(3.5)0.77%
Guaranteed Rate0.00%(3.5)2.46%
Stearns Home Loans0.00%(3.5)1.33%
Finance of America Mortgage0.02%(3.5)1.28%
JPMorgan Chase Bank0.02%(3.5)0.41%
Freedom Mortgage Corporation0.02%(3.5)3.58%
Mr. Cooper0.02%(3.5)0.30%
Bay Equity Home Loans0.02%(3.5)0.20%
PRMG Mortgage0.03%(3.5)0.26%
Compass Hawaii Home Loans0.03%(3.5)2.71%
Cardinal Financial Company0.04%(3.5)1.78%
First Hawaiian Bank0.04%(3.5)5.63%
HighTechLending0.05%(3.5)1.37%
Flagstar Bank0.05%(3.0)0.48%
PennyMac Loan Services0.06%(3.0)0.87%
American Pacific Mortgage0.06%(3.0)4.03%
HomeBridge Financial Services0.06%(3.0)3.77%
Land Home Financial Services0.07%(3.0)1.05%
V.I.P. Mortgage Inc0.07%(3.0)1.04%
USAA0.07%(3.0)0.77%
Mann Mortgage0.07%(3.0)0.27%
Movement Mortgage0.08%(3.0)0.75%
Doorway Home Loans0.08%(3.0)0.45%
Castle & Cooke Mortgage0.08%(3.0)1.24%
Carrington Mortgage Services0.10%(3.0)0.35%
American Financing0.12%(3.0)0.31%
Nations Lending Corporation0.12%(3.0)0.21%
Guild Mortgage Company0.12%(3.0)2.56%
Axia Home Loans0.14%(3.0)1.13%
HomeStreet Bank0.17%(2.5)1.47%
Quicken Loans0.17%(2.5)6.43%
PrimeLending0.18%(2.5)0.99%
Premier Mortgage Resources0.20%(2.5)0.47%
The Federal Savings Bank0.27%(2.0)0.44%
Lender NameRate DifferenceRate RatingMarket Share
Territorial Savings Bank-0.15%(4.0)1.35%
Bank of Hawaii-0.14%(4.0)7.10%
Ameris Bank-0.14%(4.0)0.46%
Bank of America-0.12%(4.0)0.49%
loanDepot-0.12%(4.0)3.79%
DHI Mortgage Company Limited-0.12%(4.0)2.91%
Home Point Financial Corporation-0.12%(4.0)1.36%
Hawaiian Financial FCU-0.09%(4.0)0.30%
Navy Federal Credit Union-0.09%(4.0)1.85%
NBKC Bank-0.09%(4.0)0.49%
Central Pacific Bank-0.08%(4.0)6.08%
Hawaii State Federal Credit Union-0.08%(4.0)0.97%
Wells Fargo Bank-0.06%(4.0)3.40%
US Bank-0.06%(4.0)0.49%
Freedom Mortgage Corporation-0.05%(3.5)4.74%
American Savings Bank-0.05%(3.5)5.67%
Fairway Independent Mortgage Corporation-0.03%(3.5)2.41%
Primary Residential Mortgage Inc-0.03%(3.5)0.89%
Aloha Pacific Federal Credit Union-0.03%(3.5)0.17%
PennyMac Loan Services-0.03%(3.5)0.33%
Caliber Home Loans-0.02%(3.5)5.28%
Finance of America Mortgage-0.02%(3.5)1.55%
Academy Mortgage Corporation Utah-0.02%(3.5)0.22%
JPMorgan Chase Bank-0.01%(3.5)0.38%
Bay Equity Home Loans-0.00%(3.5)0.25%
CMG Financial-0.00%(3.5)1.01%
Stearns Home Loans0.01%(3.5)1.20%
Plaza Home Mortgage0.01%(3.5)0.86%
Amerisave Mortgage Corporation0.01%(3.5)0.01%
PRMG Mortgage0.01%(3.5)0.35%
Mr. Cooper0.02%(3.5)0.39%
The Federal Savings Bank0.02%(3.5)0.02%
Guaranteed Rate0.03%(3.5)2.62%
Nations Lending Corporation0.03%(3.5)0.07%
American Financing0.04%(3.5)0.08%
Compass Hawaii Home Loans0.04%(3.5)3.38%
HighTechLending0.04%(3.5)1.16%
HomeBridge Financial Services0.05%(3.5)4.13%
Mann Mortgage0.05%(3.5)0.20%
Carrington Mortgage Services0.05%(3.5)0.13%
Cardinal Financial Company0.05%(3.0)2.21%
USAA0.06%(3.0)0.97%
V.I.P. Mortgage Inc0.06%(3.0)1.49%
Quicken Loans0.07%(3.0)3.27%
Flagstar Bank0.07%(3.0)0.47%
Land Home Financial Services0.07%(3.0)0.91%
Movement Mortgage0.09%(3.0)0.99%
Castle & Cooke Mortgage0.09%(3.0)1.37%
Doorway Home Loans0.10%(3.0)0.52%
First Hawaiian Bank0.11%(3.0)6.16%
Guild Mortgage Company0.14%(3.0)2.98%
Axia Home Loans0.15%(2.5)1.80%
HomeStreet Bank0.15%(2.5)2.11%
American Pacific Mortgage0.15%(2.5)3.99%
PrimeLending0.20%(2.5)1.43%
Premier Mortgage Resources0.21%(2.5)0.78%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.15%(4.5)1.33%
Plaza Home Mortgage-0.13%(4.0)1.90%
loanDepot-0.13%(4.0)8.65%
Territorial Savings Bank-0.11%(4.0)1.79%
Bank of Hawaii-0.11%(4.0)8.94%
Aloha Pacific Federal Credit Union-0.10%(4.0)0.56%
Central Pacific Bank-0.09%(4.0)3.73%
American Savings Bank-0.09%(4.0)5.29%
Hawaiian Financial FCU-0.07%(4.0)0.61%
Sovereign Lending Group-0.07%(4.0)0.44%
Hawaii State Federal Credit Union-0.07%(4.0)2.15%
Amerisave Mortgage Corporation-0.07%(4.0)0.54%
First Hawaiian Bank-0.06%(4.0)5.06%
Primary Residential Mortgage Inc-0.05%(4.0)1.56%
NBKC Bank-0.04%(3.5)0.98%
Home Point Financial Corporation-0.04%(3.5)2.23%
American Pacific Mortgage-0.03%(3.5)4.07%
Guaranteed Rate-0.03%(3.5)2.28%
Fairway Independent Mortgage Corporation-0.03%(3.5)1.54%
Academy Mortgage Corporation Utah-0.01%(3.5)0.30%
CMG Financial-0.00%(3.5)0.50%
Stearns Home Loans-0.00%(3.5)1.46%
Compass Hawaii Home Loans0.00%(3.5)1.98%
Cardinal Financial Company0.01%(3.5)1.31%
Caliber Home Loans0.01%(3.5)5.05%
DHI Mortgage Company Limited0.01%(3.5)0.02%
US Bank0.02%(3.5)0.40%
Navy Federal Credit Union0.02%(3.5)0.84%
Mr. Cooper0.03%(3.5)0.19%
Flagstar Bank0.04%(3.5)0.50%
JPMorgan Chase Bank0.04%(3.5)0.45%
HighTechLending0.05%(3.0)1.60%
Doorway Home Loans0.06%(3.0)0.36%
Movement Mortgage0.06%(3.0)0.50%
Bay Equity Home Loans0.06%(3.0)0.16%
PRMG Mortgage0.06%(3.0)0.17%
Land Home Financial Services0.06%(3.0)1.20%
V.I.P. Mortgage Inc0.06%(3.0)0.54%
Premier Mortgage Resources0.07%(3.0)0.13%
Castle & Cooke Mortgage0.07%(3.0)1.09%
Finance of America Mortgage0.07%(3.0)0.99%
USAA0.08%(3.0)0.56%
PennyMac Loan Services0.08%(3.0)1.45%
Axia Home Loans0.09%(3.0)0.40%
HomeBridge Financial Services0.09%(3.0)3.38%
PrimeLending0.09%(3.0)0.51%
Mann Mortgage0.09%(3.0)0.34%
Guild Mortgage Company0.09%(3.0)2.11%
Wells Fargo Bank0.10%(3.0)2.18%
Bank of America0.10%(3.0)0.35%
Carrington Mortgage Services0.12%(3.0)0.58%
American Financing0.13%(3.0)0.56%
Nations Lending Corporation0.14%(3.0)0.36%
Freedom Mortgage Corporation0.17%(2.5)2.31%
HomeStreet Bank0.20%(2.5)0.77%
Quicken Loans0.21%(2.5)9.86%
The Federal Savings Bank0.28%(2.0)0.90%
Lender NameRate DifferenceRate RatingMarket Share
Territorial Savings Bank-0.16%(4.5)2.16%
Bank of Hawaii-0.15%(4.5)9.39%
DHI Mortgage Company Limited-0.15%(4.0)1.34%
Home Point Financial Corporation-0.12%(4.0)0.95%
Ameris Bank-0.12%(4.0)0.34%
loanDepot-0.11%(4.0)5.91%
Central Pacific Bank-0.10%(4.0)6.20%
Aloha Pacific Federal Credit Union-0.09%(4.0)0.56%
Amerisave Mortgage Corporation-0.08%(4.0)0.35%
Hawaiian Financial FCU-0.08%(4.0)0.70%
Hawaii State Federal Credit Union-0.08%(4.0)2.24%
American Savings Bank-0.07%(4.0)7.26%
NBKC Bank-0.07%(4.0)0.86%
Primary Residential Mortgage Inc-0.05%(4.0)1.62%
US Bank-0.04%(3.5)0.52%
Bank of America-0.03%(3.5)0.48%
Cardinal Financial Company-0.03%(3.5)0.52%
Academy Mortgage Corporation Utah-0.02%(3.5)0.32%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.88%
Caliber Home Loans-0.02%(3.5)5.50%
CMG Financial-0.01%(3.5)0.52%
Guaranteed Rate-0.01%(3.5)1.74%
Sovereign Lending Group-0.00%(3.5)0.04%
JPMorgan Chase Bank0.01%(3.5)0.50%
Wells Fargo Bank0.01%(3.5)3.51%
Mr. Cooper0.02%(3.5)0.14%
Compass Hawaii Home Loans0.02%(3.5)2.84%
The Federal Savings Bank0.02%(3.5)0.05%
Stearns Home Loans0.02%(3.5)0.86%
Bay Equity Home Loans0.03%(3.5)0.22%
USAA0.03%(3.5)0.28%
PRMG Mortgage0.03%(3.5)0.29%
Plaza Home Mortgage0.03%(3.5)0.83%
Finance of America Mortgage0.04%(3.5)1.33%
First Hawaiian Bank0.04%(3.5)7.50%
Land Home Financial Services0.05%(3.5)0.12%
Mann Mortgage0.05%(3.5)0.16%
HighTechLending0.06%(3.0)1.51%
Freedom Mortgage Corporation0.06%(3.0)2.67%
Flagstar Bank0.07%(3.0)0.61%
V.I.P. Mortgage Inc0.07%(3.0)1.42%
PennyMac Loan Services0.07%(3.0)0.46%
Doorway Home Loans0.08%(3.0)0.26%
Navy Federal Credit Union0.08%(3.0)0.63%
HomeBridge Financial Services0.08%(3.0)2.68%
Movement Mortgage0.09%(3.0)0.63%
Carrington Mortgage Services0.10%(3.0)0.21%
Castle & Cooke Mortgage0.10%(3.0)1.02%
American Pacific Mortgage0.11%(3.0)0.58%
Axia Home Loans0.15%(3.0)1.50%
Guild Mortgage Company0.15%(3.0)2.65%
Nations Lending Corporation0.17%(2.5)0.19%
American Financing0.18%(2.5)0.29%
Quicken Loans0.18%(2.5)9.12%
HomeStreet Bank0.19%(2.5)1.47%
PrimeLending0.20%(2.5)1.34%
Premier Mortgage Resources0.21%(2.5)0.70%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Hawaii-0.18%(4.5)7.84%
Bank of America-0.16%(4.5)0.53%
DHI Mortgage Company Limited-0.15%(4.5)2.52%
Territorial Savings Bank-0.15%(4.5)2.04%
Home Point Financial Corporation-0.15%(4.0)1.00%
loanDepot-0.13%(4.0)3.96%
NBKC Bank-0.10%(4.0)0.53%
Hawaiian Financial FCU-0.09%(4.0)0.48%
Central Pacific Bank-0.09%(4.0)7.49%
Hawaii State Federal Credit Union-0.09%(4.0)1.36%
US Bank-0.09%(4.0)0.56%
Ameris Bank-0.07%(4.0)0.18%
Wells Fargo Bank-0.05%(4.0)3.91%
American Savings Bank-0.05%(3.5)7.22%
JPMorgan Chase Bank-0.04%(3.5)0.37%
Primary Residential Mortgage Inc-0.04%(3.5)1.07%
Fairway Independent Mortgage Corporation-0.04%(3.5)2.45%
Aloha Pacific Federal Credit Union-0.03%(3.5)0.26%
Academy Mortgage Corporation Utah-0.03%(3.5)0.23%
CMG Financial-0.02%(3.5)0.69%
PennyMac Loan Services-0.02%(3.5)0.32%
Caliber Home Loans-0.02%(3.5)6.09%
Cardinal Financial Company-0.01%(3.5)0.63%
Bay Equity Home Loans-0.00%(3.5)0.25%
Plaza Home Mortgage-0.00%(3.5)0.79%
Finance of America Mortgage0.00%(3.5)1.59%
Guaranteed Rate0.01%(3.5)2.18%
Mr. Cooper0.01%(3.5)0.02%
USAA0.01%(3.5)0.35%
Stearns Home Loans0.01%(3.5)0.90%
PRMG Mortgage0.01%(3.5)0.39%
Amerisave Mortgage Corporation0.01%(3.5)0.02%
The Federal Savings Bank0.02%(3.5)0.04%
Freedom Mortgage Corporation0.02%(3.5)3.42%
Mann Mortgage0.04%(3.5)0.16%
Nations Lending Corporation0.04%(3.5)0.04%
Compass Hawaii Home Loans0.05%(3.5)3.77%
Land Home Financial Services0.05%(3.5)0.14%
HighTechLending0.06%(3.0)1.44%
American Financing0.07%(3.0)0.07%
V.I.P. Mortgage Inc0.07%(3.0)1.95%
Carrington Mortgage Services0.07%(3.0)0.11%
Quicken Loans0.07%(3.0)4.40%
Flagstar Bank0.08%(3.0)0.67%
Doorway Home Loans0.09%(3.0)0.35%
Movement Mortgage0.09%(3.0)0.77%
HomeBridge Financial Services0.10%(3.0)3.21%
Navy Federal Credit Union0.11%(3.0)0.70%
American Pacific Mortgage0.11%(3.0)0.69%
Castle & Cooke Mortgage0.11%(3.0)1.11%
First Hawaiian Bank0.13%(3.0)8.33%
Axia Home Loans0.16%(2.5)2.31%
HomeStreet Bank0.17%(2.5)2.15%
Guild Mortgage Company0.18%(2.5)2.96%
Premier Mortgage Resources0.23%(2.5)1.16%
PrimeLending0.23%(2.5)1.85%
Lender NameRate DifferenceRate RatingMarket Share
Territorial Savings Bank-0.16%(4.5)2.29%
Ameris Bank-0.13%(4.0)0.53%
Bank of Hawaii-0.13%(4.0)11.12%
Central Pacific Bank-0.12%(4.0)4.78%
Aloha Pacific Federal Credit Union-0.11%(4.0)0.88%
American Savings Bank-0.10%(4.0)7.31%
Home Point Financial Corporation-0.09%(4.0)0.88%
loanDepot-0.09%(4.0)8.07%
Amerisave Mortgage Corporation-0.08%(4.0)0.72%
First Hawaiian Bank-0.08%(4.0)6.58%
Hawaiian Financial FCU-0.08%(4.0)0.96%
Hawaii State Federal Credit Union-0.07%(4.0)3.23%
Primary Residential Mortgage Inc-0.06%(4.0)2.23%
NBKC Bank-0.06%(4.0)1.23%
Cardinal Financial Company-0.05%(4.0)0.39%
Guaranteed Rate-0.04%(3.5)1.25%
Compass Hawaii Home Loans-0.04%(3.5)1.80%
Caliber Home Loans-0.02%(3.5)4.84%
Academy Mortgage Corporation Utah-0.02%(3.5)0.41%
CMG Financial-0.01%(3.5)0.33%
Sovereign Lending Group-0.00%(3.5)0.08%
Fairway Independent Mortgage Corporation0.00%(3.5)1.25%
DHI Mortgage Company Limited0.00%(3.5)0.02%
US Bank0.01%(3.5)0.47%
Mr. Cooper0.02%(3.5)0.27%
The Federal Savings Bank0.02%(3.5)0.06%
Land Home Financial Services0.04%(3.5)0.10%
Stearns Home Loans0.04%(3.5)0.82%
Navy Federal Credit Union0.04%(3.5)0.55%
JPMorgan Chase Bank0.04%(3.5)0.65%
HomeBridge Financial Services0.05%(3.0)2.10%
Doorway Home Loans0.05%(3.0)0.16%
Flagstar Bank0.05%(3.0)0.55%
Mann Mortgage0.06%(3.0)0.16%
V.I.P. Mortgage Inc0.07%(3.0)0.82%
HighTechLending0.07%(3.0)1.59%
USAA0.07%(3.0)0.20%
Bay Equity Home Loans0.07%(3.0)0.20%
PRMG Mortgage0.07%(3.0)0.18%
Castle & Cooke Mortgage0.07%(3.0)0.92%
Plaza Home Mortgage0.07%(3.0)0.86%
Premier Mortgage Resources0.07%(3.0)0.20%
Axia Home Loans0.09%(3.0)0.61%
PrimeLending0.09%(3.0)0.76%
Movement Mortgage0.10%(3.0)0.47%
Finance of America Mortgage0.10%(3.0)1.04%
Wells Fargo Bank0.10%(3.0)3.07%
Guild Mortgage Company0.10%(3.0)2.31%
Carrington Mortgage Services0.11%(3.0)0.33%
American Pacific Mortgage0.11%(3.0)0.47%
PennyMac Loan Services0.13%(3.0)0.63%
Bank of America0.13%(3.0)0.43%
Freedom Mortgage Corporation0.14%(3.0)1.84%
Nations Lending Corporation0.19%(2.5)0.37%
American Financing0.20%(2.5)0.53%
Quicken Loans0.22%(2.5)14.38%
HomeStreet Bank0.25%(2.5)0.72%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Hawaii-0.18%(4.5)4.12%
loanDepot-0.12%(4.0)9.00%
Central Pacific Bank-0.11%(4.0)1.63%
Caliber Home Loans-0.09%(4.0)3.15%
Stearns Home Loans-0.07%(4.0)3.47%
Freedom Mortgage Corporation-0.06%(4.0)7.48%
HomeBridge Financial Services-0.03%(3.5)5.10%
Amerisave Mortgage Corporation-0.02%(3.5)0.33%
Finance of America Mortgage-0.02%(3.5)0.87%
PennyMac Loan Services-0.02%(3.5)0.76%
Flagstar Bank-0.02%(3.5)0.43%
Home Point Financial Corporation-0.01%(3.5)1.63%
Primary Residential Mortgage Inc-0.01%(3.5)0.33%
Mr. Cooper-0.01%(3.5)0.54%
Quicken Loans-0.00%(3.5)5.64%
Navy Federal Credit Union-0.00%(3.5)0.11%
Academy Mortgage Corporation Utah-0.00%(3.5)0.11%
NBKC Bank-0.00%(3.5)0.11%
Ameris Bank0.00%(3.5)0.43%
The Federal Savings Bank0.00%(3.5)0.22%
Premier Mortgage Resources0.01%(3.5)0.11%
DHI Mortgage Company Limited0.01%(3.5)2.49%
HighTechLending0.01%(3.5)5.86%
American Financing0.01%(3.5)1.84%
PrimeLending0.01%(3.5)0.22%
Fairway Independent Mortgage Corporation0.01%(3.5)2.49%
Bank of America0.01%(3.5)0.11%
Plaza Home Mortgage0.01%(3.5)3.58%
Guaranteed Rate0.01%(3.5)0.65%
Bay Equity Home Loans0.01%(3.5)0.33%
American Pacific Mortgage0.02%(3.5)0.54%
Nations Lending Corporation0.02%(3.5)0.87%
CMG Financial0.02%(3.5)0.76%
Cardinal Financial Company0.03%(3.5)1.74%
V.I.P. Mortgage Inc0.04%(3.5)1.30%
Doorway Home Loans0.04%(3.5)0.43%
Castle & Cooke Mortgage0.04%(3.5)3.36%
Compass Hawaii Home Loans0.07%(3.0)1.74%
Guild Mortgage Company0.08%(3.0)9.00%
Mann Mortgage0.08%(3.0)1.84%
Carrington Mortgage Services0.08%(3.0)2.17%
Movement Mortgage0.10%(3.0)3.69%
HomeStreet Bank0.13%(3.0)7.81%
Axia Home Loans0.13%(3.0)1.63%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.15%(4.5)7.75%
Central Pacific Bank-0.11%(4.0)2.64%
Caliber Home Loans-0.11%(4.0)3.87%
Bank of Hawaii-0.11%(4.0)2.82%
Freedom Mortgage Corporation-0.09%(4.0)8.10%
Stearns Home Loans-0.07%(4.0)3.52%
HomeBridge Financial Services-0.06%(4.0)5.81%
Cardinal Financial Company-0.05%(3.5)0.70%
PennyMac Loan Services-0.04%(3.5)0.53%
Quicken Loans-0.03%(3.5)3.52%
Home Point Financial Corporation-0.02%(3.5)2.11%
Finance of America Mortgage-0.02%(3.5)0.88%
Primary Residential Mortgage Inc-0.02%(3.5)0.35%
Flagstar Bank-0.01%(3.5)0.18%
Ameris Bank-0.01%(3.5)0.18%
HighTechLending-0.01%(3.5)2.46%
Mr. Cooper-0.01%(3.5)0.88%
Carrington Mortgage Services-0.01%(3.5)0.35%
Navy Federal Credit Union-0.00%(3.5)0.18%
Academy Mortgage Corporation Utah-0.00%(3.5)0.18%
NBKC Bank-0.00%(3.5)0.18%
American Financing0.00%(3.5)0.53%
Premier Mortgage Resources0.00%(3.5)0.18%
Fairway Independent Mortgage Corporation0.00%(3.5)2.99%
DHI Mortgage Company Limited0.01%(3.5)4.05%
PrimeLending0.01%(3.5)0.35%
Bank of America0.01%(3.5)0.18%
Nations Lending Corporation0.01%(3.5)0.53%
Bay Equity Home Loans0.01%(3.5)0.53%
American Pacific Mortgage0.02%(3.5)0.88%
Guaranteed Rate0.02%(3.5)0.53%
Plaza Home Mortgage0.04%(3.5)3.35%
CMG Financial0.04%(3.5)0.88%
Castle & Cooke Mortgage0.04%(3.5)4.23%
Doorway Home Loans0.04%(3.5)0.70%
V.I.P. Mortgage Inc0.05%(3.5)1.76%
Mann Mortgage0.05%(3.5)0.70%
Compass Hawaii Home Loans0.07%(3.0)2.46%
Guild Mortgage Company0.09%(3.0)11.27%
Movement Mortgage0.11%(3.0)5.63%
HomeStreet Bank0.13%(3.0)8.63%
Axia Home Loans0.14%(3.0)2.46%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Hawaii-0.23%(4.5)6.21%
loanDepot-0.08%(4.0)11.02%
Stearns Home Loans-0.06%(4.0)3.39%
Caliber Home Loans-0.02%(3.5)1.98%
Amerisave Mortgage Corporation-0.02%(3.5)0.85%
Plaza Home Mortgage-0.02%(3.5)3.95%
Flagstar Bank-0.02%(3.5)0.85%
Finance of America Mortgage-0.01%(3.5)0.85%
V.I.P. Mortgage Inc-0.01%(3.5)0.56%
Movement Mortgage-0.01%(3.5)0.56%
CMG Financial-0.00%(3.5)0.56%
Primary Residential Mortgage Inc-0.00%(3.5)0.28%
PennyMac Loan Services0.00%(3.5)1.13%
The Federal Savings Bank0.01%(3.5)0.56%
Ameris Bank0.01%(3.5)0.85%
Freedom Mortgage Corporation0.01%(3.5)6.50%
Guaranteed Rate0.01%(3.5)0.85%
Home Point Financial Corporation0.01%(3.5)0.85%
Compass Hawaii Home Loans0.01%(3.5)0.56%
American Financing0.01%(3.5)3.95%
Quicken Loans0.01%(3.5)9.04%
HighTechLending0.02%(3.5)11.30%
HomeBridge Financial Services0.02%(3.5)3.95%
Fairway Independent Mortgage Corporation0.03%(3.5)1.69%
Guild Mortgage Company0.03%(3.5)5.37%
Nations Lending Corporation0.03%(3.5)1.41%
Axia Home Loans0.03%(3.5)0.28%
Castle & Cooke Mortgage0.05%(3.0)1.98%
Cardinal Financial Company0.06%(3.0)3.39%
Mann Mortgage0.09%(3.0)3.67%
Carrington Mortgage Services0.09%(3.0)5.08%
HomeStreet Bank0.13%(3.0)6.50%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.05%(3.5)9.23%
Bank of Hawaii-0.03%(3.5)26.76%
American Savings Bank-0.03%(3.5)14.00%
Bank of America-0.02%(3.5)2.07%
Central Pacific Bank0.01%(3.5)13.07%
CMG Financial0.02%(3.5)0.10%
Aloha Pacific Federal Credit Union0.02%(3.5)0.10%
Freedom Mortgage Corporation0.02%(3.5)0.10%
Academy Mortgage Corporation Utah0.03%(3.5)0.21%
Movement Mortgage0.03%(3.5)0.10%
HomeStreet Bank0.03%(3.5)0.21%
V.I.P. Mortgage Inc0.03%(3.5)0.10%
Hawaii State Federal Credit Union0.04%(3.5)1.76%
US Bank0.04%(3.5)2.07%
First Hawaiian Bank0.04%(3.5)16.18%
Fairway Independent Mortgage Corporation0.04%(3.5)0.10%
Hawaiian Financial FCU0.04%(3.5)0.10%
Flagstar Bank0.04%(3.5)0.10%
HighTechLending0.04%(3.5)0.31%
Finance of America Mortgage0.04%(3.5)0.31%
PRMG Mortgage0.04%(3.5)0.10%
Compass Hawaii Home Loans0.05%(3.0)0.21%
PrimeLending0.05%(3.0)0.52%
Navy Federal Credit Union0.05%(3.0)1.04%
Guild Mortgage Company0.05%(3.0)0.62%
loanDepot0.05%(3.0)0.31%
Quicken Loans0.05%(3.0)1.35%
Territorial Savings Bank0.06%(3.0)3.73%
Doorway Home Loans0.06%(3.0)0.10%
Carrington Mortgage Services0.06%(3.0)0.10%
Primary Residential Mortgage Inc0.06%(3.0)0.10%
JPMorgan Chase Bank0.06%(3.0)1.76%
Guaranteed Rate0.06%(3.0)0.62%
HomeBridge Financial Services0.07%(3.0)0.73%
Caliber Home Loans0.08%(3.0)0.52%
Axia Home Loans0.12%(3.0)1.14%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.07%(4.0)12.32%
Bank of Hawaii-0.04%(3.5)27.50%
American Savings Bank-0.03%(3.5)15.00%
Bank of America-0.02%(3.5)2.32%
Territorial Savings Bank0.03%(3.5)0.89%
Freedom Mortgage Corporation0.03%(3.5)0.18%
Academy Mortgage Corporation Utah0.03%(3.5)0.18%
Central Pacific Bank0.03%(3.5)12.32%
HomeStreet Bank0.04%(3.5)0.18%
V.I.P. Mortgage Inc0.04%(3.5)0.18%
Fairway Independent Mortgage Corporation0.04%(3.5)0.18%
Flagstar Bank0.04%(3.5)0.18%
HighTechLending0.05%(3.5)0.54%
Finance of America Mortgage0.05%(3.5)0.36%
US Bank0.05%(3.5)1.96%
Quicken Loans0.05%(3.5)0.54%
Hawaii State Federal Credit Union0.05%(3.5)1.07%
PRMG Mortgage0.05%(3.0)0.18%
First Hawaiian Bank0.05%(3.0)13.57%
Navy Federal Credit Union0.06%(3.0)1.07%
Compass Hawaii Home Loans0.06%(3.0)0.36%
PrimeLending0.06%(3.0)0.71%
Guild Mortgage Company0.06%(3.0)0.89%
Doorway Home Loans0.06%(3.0)0.18%
Carrington Mortgage Services0.06%(3.0)0.18%
JPMorgan Chase Bank0.07%(3.0)2.32%
HomeBridge Financial Services0.07%(3.0)1.25%
Guaranteed Rate0.08%(3.0)0.89%
Caliber Home Loans0.09%(3.0)0.71%
Axia Home Loans0.14%(3.0)1.79%
Lender NameRate DifferenceRate RatingMarket Share
Central Pacific Bank-0.03%(3.5)14.11%
Bank of Hawaii-0.02%(3.5)25.74%
American Savings Bank-0.02%(3.5)12.62%
Bank of America-0.02%(3.5)1.73%
CMG Financial0.01%(3.5)0.25%
Aloha Pacific Federal Credit Union0.01%(3.5)0.25%
Academy Mortgage Corporation Utah0.02%(3.5)0.25%
Movement Mortgage0.02%(3.5)0.25%
First Hawaiian Bank0.02%(3.5)19.80%
US Bank0.02%(3.5)2.23%
Axia Home Loans0.02%(3.5)0.25%
Hawaii State Federal Credit Union0.02%(3.5)2.72%
Guaranteed Rate0.02%(3.5)0.25%
Guild Mortgage Company0.02%(3.5)0.25%
HomeStreet Bank0.02%(3.5)0.25%
Hawaiian Financial FCU0.03%(3.5)0.25%
PrimeLending0.03%(3.5)0.25%
Finance of America Mortgage0.03%(3.5)0.25%
Caliber Home Loans0.04%(3.5)0.25%
JPMorgan Chase Bank0.04%(3.5)0.99%
Wells Fargo Bank0.04%(3.5)4.95%
loanDepot0.04%(3.5)0.74%
Navy Federal Credit Union0.04%(3.5)0.99%
Primary Residential Mortgage Inc0.05%(3.5)0.25%
Quicken Loans0.05%(3.5)2.48%
Territorial Savings Bank0.05%(3.0)7.67%
Lender NameRate DifferenceRate RatingMarket Share
Plaza Home Mortgage-0.21%(4.5)2.46%
loanDepot-0.18%(4.5)7.28%
Ameris Bank-0.17%(4.5)2.41%
Navy Federal Credit Union-0.13%(4.0)3.42%
Central Pacific Bank-0.10%(4.0)0.94%
DHI Mortgage Company Limited-0.09%(4.0)2.11%
Sovereign Lending Group-0.08%(4.0)0.70%
Fairway Independent Mortgage Corporation-0.06%(4.0)2.54%
Home Point Financial Corporation-0.05%(3.5)4.15%
Finance of America Mortgage-0.03%(3.5)1.47%
NBKC Bank-0.03%(3.5)0.68%
Bank of Hawaii-0.02%(3.5)1.47%
Freedom Mortgage Corporation-0.01%(3.5)5.66%
HighTechLending-0.00%(3.5)0.35%
Stearns Home Loans0.00%(3.5)2.28%
Bay Equity Home Loans0.00%(3.5)0.18%
Primary Residential Mortgage Inc0.01%(3.5)0.66%
Flagstar Bank0.01%(3.5)0.26%
Guaranteed Rate0.01%(3.5)4.89%
Academy Mortgage Corporation Utah0.01%(3.5)0.18%
CMG Financial0.01%(3.5)1.49%
Wells Fargo Bank0.01%(3.5)0.37%
Amerisave Mortgage Corporation0.01%(3.5)0.11%
American Savings Bank0.01%(3.5)0.59%
Movement Mortgage0.01%(3.5)0.59%
First Hawaiian Bank0.01%(3.5)0.11%
Caliber Home Loans0.02%(3.5)5.77%
US Bank0.02%(3.5)0.02%
Hawaii State Federal Credit Union0.02%(3.5)0.13%
PRMG Mortgage0.03%(3.5)0.29%
Mr. Cooper0.03%(3.5)0.68%
Premier Mortgage Resources0.04%(3.5)0.09%
Guild Mortgage Company0.05%(3.5)1.45%
Compass Hawaii Home Loans0.05%(3.5)3.14%
Axia Home Loans0.05%(3.5)0.13%
PennyMac Loan Services0.05%(3.0)2.04%
V.I.P. Mortgage Inc0.06%(3.0)0.29%
Cardinal Financial Company0.06%(3.0)5.13%
American Financing0.06%(3.0)0.11%
HomeBridge Financial Services0.06%(3.0)6.71%
American Pacific Mortgage0.06%(3.0)13.73%
Nations Lending Corporation0.06%(3.0)0.15%
Land Home Financial Services0.07%(3.0)3.69%
PrimeLending0.07%(3.0)0.42%
Mann Mortgage0.07%(3.0)0.26%
Castle & Cooke Mortgage0.08%(3.0)1.58%
USAA0.08%(3.0)2.26%
Doorway Home Loans0.09%(3.0)0.97%
Carrington Mortgage Services0.11%(3.0)0.35%
HomeStreet Bank0.12%(3.0)0.44%
Quicken Loans0.18%(2.5)1.29%
The Federal Savings Bank0.30%(2.0)1.51%
Lender NameRate DifferenceRate RatingMarket Share
Ameris Bank-0.18%(4.5)1.39%
Navy Federal Credit Union-0.17%(4.5)5.51%
Central Pacific Bank-0.14%(4.0)1.67%
Freedom Mortgage Corporation-0.13%(4.0)8.52%
Home Point Financial Corporation-0.11%(4.0)2.45%
DHI Mortgage Company Limited-0.10%(4.0)4.40%
Finance of America Mortgage-0.08%(4.0)1.94%
loanDepot-0.08%(4.0)3.29%
NBKC Bank-0.06%(4.0)0.60%
Fairway Independent Mortgage Corporation-0.05%(4.0)2.73%
PennyMac Loan Services-0.05%(3.5)0.42%
Caliber Home Loans-0.04%(3.5)4.68%
Primary Residential Mortgage Inc-0.02%(3.5)0.79%
Bay Equity Home Loans-0.02%(3.5)0.23%
HighTechLending-0.01%(3.5)0.23%
American Savings Bank-0.01%(3.5)0.65%
Wells Fargo Bank-0.01%(3.5)0.65%
HomeBridge Financial Services-0.01%(3.5)6.85%
Bank of Hawaii-0.01%(3.5)1.02%
First Hawaiian Bank-0.00%(3.5)0.14%
Flagstar Bank0.00%(3.5)0.09%
Academy Mortgage Corporation Utah0.00%(3.5)0.23%
CMG Financial0.00%(3.5)2.18%
US Bank0.01%(3.5)0.05%
Hawaii State Federal Credit Union0.01%(3.5)0.19%
PRMG Mortgage0.01%(3.5)0.37%
Mr. Cooper0.01%(3.5)1.34%
Plaza Home Mortgage0.01%(3.5)0.60%
Movement Mortgage0.02%(3.5)0.60%
Nations Lending Corporation0.02%(3.5)0.05%
Guild Mortgage Company0.02%(3.5)1.39%
Compass Hawaii Home Loans0.03%(3.5)3.38%
Premier Mortgage Resources0.03%(3.5)0.14%
Carrington Mortgage Services0.03%(3.5)0.14%
Stearns Home Loans0.03%(3.5)1.71%
Axia Home Loans0.04%(3.5)0.28%
Guaranteed Rate0.04%(3.5)4.77%
V.I.P. Mortgage Inc0.05%(3.5)0.56%
Mann Mortgage0.05%(3.0)0.23%
Cardinal Financial Company0.06%(3.0)7.31%
PrimeLending0.06%(3.0)0.79%
Land Home Financial Services0.07%(3.0)3.43%
USAA0.07%(3.0)3.10%
Quicken Loans0.07%(3.0)0.93%
Castle & Cooke Mortgage0.08%(3.0)1.67%
HomeStreet Bank0.12%(3.0)0.79%
Doorway Home Loans0.12%(3.0)1.02%
American Pacific Mortgage0.15%(2.5)14.54%
Lender NameRate DifferenceRate RatingMarket Share
Plaza Home Mortgage-0.24%(4.5)4.13%
loanDepot-0.20%(4.5)10.88%
Ameris Bank-0.16%(4.5)3.34%
Fairway Independent Mortgage Corporation-0.07%(4.0)2.38%
Sovereign Lending Group-0.07%(4.0)1.33%
American Pacific Mortgage-0.04%(3.5)13.01%
Guaranteed Rate-0.02%(3.5)5.00%
Home Point Financial Corporation-0.01%(3.5)5.67%
Bank of Hawaii-0.01%(3.5)1.88%
Stearns Home Loans-0.01%(3.5)2.79%
Navy Federal Credit Union0.00%(3.5)1.54%
NBKC Bank0.00%(3.5)0.75%
CMG Financial0.01%(3.5)0.88%
HighTechLending0.01%(3.5)0.46%
Movement Mortgage0.01%(3.5)0.58%
Academy Mortgage Corporation Utah0.01%(3.5)0.13%
Flagstar Bank0.02%(3.5)0.42%
Bay Equity Home Loans0.02%(3.5)0.13%
Cardinal Financial Company0.02%(3.5)3.17%
DHI Mortgage Company Limited0.02%(3.5)0.04%
Amerisave Mortgage Corporation0.02%(3.5)0.21%
First Hawaiian Bank0.03%(3.5)0.08%
V.I.P. Mortgage Inc0.03%(3.5)0.04%
PrimeLending0.03%(3.5)0.08%
Finance of America Mortgage0.03%(3.5)1.04%
Primary Residential Mortgage Inc0.04%(3.5)0.54%
American Savings Bank0.04%(3.5)0.54%
Central Pacific Bank0.04%(3.5)0.29%
Premier Mortgage Resources0.04%(3.5)0.04%
Hawaii State Federal Credit Union0.04%(3.5)0.08%
Mr. Cooper0.04%(3.5)0.08%
PRMG Mortgage0.04%(3.5)0.21%
Caliber Home Loans0.06%(3.0)6.76%
HomeStreet Bank0.06%(3.0)0.13%
Wells Fargo Bank0.06%(3.0)0.13%
Doorway Home Loans0.06%(3.0)0.92%
American Financing0.07%(3.0)0.21%
Compass Hawaii Home Loans0.07%(3.0)2.92%
Land Home Financial Services0.07%(3.0)3.92%
Guild Mortgage Company0.07%(3.0)1.50%
PennyMac Loan Services0.07%(3.0)3.50%
Nations Lending Corporation0.08%(3.0)0.25%
Castle & Cooke Mortgage0.08%(3.0)1.50%
USAA0.09%(3.0)1.50%
Mann Mortgage0.09%(3.0)0.29%
HomeBridge Financial Services0.12%(3.0)6.59%
Carrington Mortgage Services0.14%(3.0)0.54%
Quicken Loans0.24%(2.5)1.63%
Freedom Mortgage Corporation0.25%(2.5)3.09%
The Federal Savings Bank0.31%(2.0)2.88%

* 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 of the data is 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 conditional on the commuting zone, 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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