10 Best Hawaii Mortgage Lenders of 2021

at NBKC

5.0

Best for cash-out refinances

620

at NBKC

Quicken Loans: NMLS#3030

at Quicken Loans

4.0

Best for cash-out refinancing

620

at Quicken Loans

Veterans United: NMLS#1907

at Veterans United

4.0

Best for VA loans

620

at Veterans United

Guaranteed Rate: NMLS#2611

at Guaranteed Rate

5.0

Best for VA loans

580

at Guaranteed Rate

Fairway Independent Mortgage: NMLS#2289

at Fairway Independent Mortgage

3.5

Best for basic fixed-rate loans

620

at Fairway Independent Mortgage

Guild Mortgage: NMLS#3274

3.5

Best for FHA loans

N/A

3.5%

Navy Federal: NMLS#399807

4.0

Best for VA loans

N/A

PrimeLending: NMLS#13649

3.5

Best for conventional loans

620

Citibank: NMLS#412915

3.5

Best for jumbo loans

N/A

10%

Bank of America: NMLS#399802

4.0

Best for jumbo loans

720

15%

at NBKC

NBKC: NMLS#409631

5.0

Min. credit score

620

Min. down payment

at NBKC

Why we like it

Good for: borrowers who want low rates and fees and an online experience with phone support. VA loans are an emphasis.

Pros

Offers government-backed loans and some harder-to-find products, such as construction loans and specialty mortgages for pilots.
Offers low rates and fees compared with other lenders, according to the latest Federal data.
Displays customized rates, with fee estimates, without requiring contact information.

Cons

HELOCs and construction-to-permanent loans are available only in the Kansas City metro area.

at Quicken Loans

Quicken Loans: NMLS#3030

4.0

Min. credit score

620

Min. down payment

at Quicken Loans

Why we like it

Good for: borrowers who appreciate convenience online and on the go for a fully digital home loan experience with consistently acclaimed customer service.

Pros

Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
Estimates the loan amount you’ll qualify for within minutes.
Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

Getting a customized interest rate requires a credit check, which can affect your credit score.
Doesn't offer home equity loans or lines of credit.
Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.

at Veterans United

Veterans United: NMLS#1907

4.0

Min. credit score

620

Min. down payment

at Veterans United

Why we like it

Good for: veterans, active-duty service members and eligible reservists looking for VA loans.

Pros

Offers 24/7 customer service over the phone.
Offers a free credit counseling service.
Mortgage rates are on the low side, according to the latest federal data.

Cons

Doesn’t offer home equity loans or HELOCs.
Veterans United has physical branch offices in only 17 states.
Focus on VA loans, so may not be the strongest choice for those seeking other loan types.

at Guaranteed Rate

Guaranteed Rate: NMLS#2611

5.0

Min. credit score

580

Min. down payment

at Guaranteed Rate

Why we like it

Good for: borrowers seeking a solid variety of loan types, including jumbo and interest-only options, and a totally online experience.

Pros

Displays detailed sample rates for many of its loan products.
Offers a wide variety of loans, including jumbo and interest-only products.
Offers low rates compared with other lenders, according to the latest federal data.

Cons

Doesn't offer home equity loans.

at Fairway Independent Mortgage

Fairway Independent Mortgage: NMLS#2289

3.5

Min. credit score

620

Min. down payment

at Fairway Independent Mortgage

Why we like it

Good for: borrowers who want access to a wide variety of mortgages, including renovation loans and ITIN loans.

Pros

Offers a robust suite of loan products, including ITIN loans for borrowers without Social Security numbers, renovation loans, government-backed mortgages and loans for self-employed borrowers.
Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Cons

Mortgage rates for different types of loans aren't posted online.
Origination fees are on the high side compared with other lenders, according to the latest federal data.

Guild Mortgage: NMLS#3274

3.5

Min. credit score

N/A

Min. down payment

3.5%

Why we like it

Good for: borrowers who value customer service, and first-time home buyers and others who may need the flexibility of a low-down-payment loan program.

Pros

Offers a wide variety of loan products, including home improvement loans and mortgages for manufactured homes.
Has retail branches in most states.
Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Cons

Does not offer home equity loan products.
Origination fees tend to be higher, according to the latest federal data.

Navy Federal: NMLS#399807

4.0

National / regional

National

Min. down payment

Why we like it

Good for: military members and their families looking for low-down-payment mortgages.

Pros

Offers a wide range of affordable mortgage products, including 0% down payment loans, designed for military members.
Offers HELOCs and home equity loans.
Offers low rates compared with most lenders, according to the latest federal data.

Cons

Website does not provide customized mortgage rates based on credit score or other factors before you apply.
Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.

PrimeLending: NMLS#13649

3.5

Min. credit score

620

Min. down payment

Why we like it

Good for: borrowers looking for closing cost assistance, as well as those seeking to renovate or to build a new home.

Pros

Full online application includes document uploads and automated loan updates.
Offers a "float-down" interest rate lock.
Offers government-backed mortgage and refinance options, including FHA, USDA and VA loans.

Cons

No online mortgage rates — you have to contact the lender for info.
Doesn't offer home equity products.

Citibank: NMLS#412915

3.5

National / regional

National

Min. down payment

10%

Why we like it

Good for: Buyers who want to explore low down payment mortgages, including government-backed loans and Citi’s proprietary option.

Pros

Offers a wide variety of loan options, including low-down-payment mortgages and jumbo mortgages.
Offers low rates compared with other lenders, according to the latest data.
Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Cons

Requires help from a loan officer to complete an online mortgage application.
Customized mortgage rates not available without making contact.
Doesn’t offer renovation loans.

Bank of America: NMLS#399802

4.0

Min. credit score

720

Min. down payment

15%

Why we like it

Good for: first-time home buyers looking for low- or no-down-payment options and homeowners interested in a home equity line of credit.

Pros

Offers down payment and closing cost assistance programs.
May give existing customers a discount on mortgage lender origination fees and HELOC interest rates.
Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Cons

Doesn't offer renovation loans that roll costs into a mortgage.