Today we’ll check out the top mortgage lenders in Hawaii based on total loan volume.
These companies closed the most home loans in The Aloha State last year, beating out nearly 300 others that do business there.
In general, there are fewer mortgage companies operating in the state of Hawaii, so you tend to see only the bigger household names along with local banks and credit unions.
Still, one company managed to originate a lot more than the competition, making them the go-to spot for a mortgage in Hawaii.
Read on to see which bank or mortgage company ranked #1 in Hawaii.
Top Mortgage Lenders in Hawaii (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $891 million |
| 2. | Freedom Mortgage | $493 million |
| 3. | Rocket Mortgage | $462 million |
| 4. | Bank of Hawaii | $392 million |
| 5. | American Savings Bank (HI) | $358 million |
| 6. | First Hawaiian | $353 million |
| 7. | Rate | $314 million |
| 8. | CMG Mortgage | $275 million |
| 9. | Guild Mortgage | $194 million |
| 10. | Central Pacific Bank | $179 million |
Coming in first was none other than United Wholesale Mortgage with $891 million funded during 2024 (latest year available), per Richey May.
That was nearly double second place Freedom Mortgage, who narrowly beat out Rocket Mortgage.
In fourth was Honolulu’s own Bank of Hawaii, followed by another Hawaiian institution, American Savings Bank.
Honolulu based-First Hawaiian Bank took sixth, followed by Rate (formerly known as Guaranteed Rate), CMG Mortgage, Guild Mortgage, and Central Pacific Bank (HI).
In total, four of the top 10 mortgage lenders in Hawaii are based out of Honolulu. Not surprising as local names tend to do the most business there.
Top Hawaii Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $616 million |
| 2. | Freedom Mortgage | $419 million |
| 3. | Rocket Mortgage | $302 million |
| 4. | American Savings Bank (HI) | $286 million |
| 5. | Rate | $273 million |
| 6. | Bank of Hawaii | $267 million |
| 7. | CMG Mortgage | $219 million |
| 8. | First Hawaiian | $219 million |
| 9. | Guild Mortgage | $171 million |
| 10. | DHI Mortgage | $159 million |
When looking solely at home purchase lending, UWM remained the leader with $616 million funded.
In second was Boca Raton-based Freedom Mortgage with $419 million, followed by Rocket Mortgage with $302 million.
Taking fourth was American Savings Bank (HI), trailed by Chicago-based Rate.
The rest of the best included Bank of Hawaii, CMG Mortgage, First Hawaiian, Guild Mortgage, and finally DHI Mortgage, which is home builder D.R. Horton’s captive lender.
That meant just three of the top 10 home purchase lenders in the state of Hawaii were based in the state.
Top Refinance Lenders in Hawaii (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $275 million |
| 2. | Rocket Mortgage | $145 million |
| 3. | First Hawaiian Bank | $99 million |
| 4. | Bank of Hawaii | $94 million |
| 5. | Freedom Mortgage | $75 million |
| 6. | CMG Mortgage | $52 million |
| 7. | American Savings Bank | $50 million |
| 8. | Newrez | $42 million |
| 9. | Rate | $41 million |
| 10. | loanDepot | $38 million |
If we’re talking mortgage refinances only, which are reserved for existing homeowners, UWM topped the list again with $275 million funded.
They were followed by refi gurus Rocket Mortgage and First Hawaiian Bank.
Bank of Hawaii took fourth, followed by another refinance specialist Freedom Mortgage.
CMG Mortgage, American Savings Bank, Newrez, Rate, and loanDepot made up the rest of the top 10.
For refis, three of the top 10 were Hawaii-based, similar to the overall total.
Top Mortgage Lenders in Honolulu
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $652 million |
| 2. | Freedom Mortgage | $425 million |
| 3. | Rocket Mortgage | $333 million |
| 4. | Bank of Hawaii | $284 million |
| 5. | American Savings | $271 million |
| 6. | First Hawaiian Bank | $230 million |
| 7. | CMG Mortgage | $211 million |
| 8. | Rate | $187 million |
| 9. | DHI Mortgage | $159 million |
| 10. | Central Pacific | $146 million |
The Best Hawaii Mortgage Lenders
We’ve discussed the largest mortgage lenders in Hawaii. Now let’s talk top rated based on customer reviews.
I typically turn to Zillow for customer reviews as they are entirely mortgage-centric, even for banks and credit unions that offer other non-mortgage products.
As far as mortgage companies are concerned, Element Mortgage Hawaii (dba of American Pacific Mortgage) had the most reviews and a 4.94/5 rating.
Then there’s Ohana First Mortgage with 184 reviews and 4.99/5 rating, Hawaii Mortgage Company, Inc.’s 4.93/5 rating from 176 reviews, and Smart Money Inc.’s perfect score (5/5) from 161 reviews.
Some of these companies operate as mortgage brokers, which allows them to partner with wholesale lenders and shop on your behalf.
The big companies also have reviews on Zillow, including loanDepot (4.9/5), Freedom Mortgage (4.85/5), Rocket Mortgage (4.48/5), and Guaranteed Rate (4.96/5).
To sum things up, there are a lot of good lender options in the state of Hawaii, including big household names, local Hawaiian companies, and local individual mortgage brokers. Be sure to explore them all.
(photo: Pedro Szekely)
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