9 Best Hawaii Mortgage Lenders of 2021
Searching for a mortgage in Hawaii? Here are well-reviewed mortgage lenders that focus on borrowers with varying needs.
Last updated on January 21, 2021
Written by
Edited by
Head of Content, New MarketsFact Checked
Fact Checked
Written by
Edited by
Head of Content, New MarketsFact Checked
Fact Checked
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If you're looking for a mortgage lender in Hawaii, NerdWallet has done some of the research for you. Whether you need a VA loan, a jumbo mortgage or a conventional loan, or you want to get a cash-out refinance, these Hawaii lenders have a mortgage for you.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
9 Best Hawaii Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | National / regional ▾ ▾ | Learn more |
|---|---|---|---|---|
620 | National | See Offers at NBKC | ||
620 | National | See Offers at Veterans United | ||
580 | National | See Offers at Rate | ||
 Fairway Independent Mortgage: NMLS#2289 See Offers at Fairway Independent Mortgage | 620 | National | See Offers at Fairway Independent Mortgage | |
 Guild Mortgage: NMLS#3274 Compare More Lenders on NerdWallet | 540 | Regional | Compare More Lenders on NerdWallet | |
 Navy Federal: NMLS#399807 Compare More Lenders on NerdWallet | N/A | National | Compare More Lenders on NerdWallet | |
 PrimeLending: NMLS#13649 Compare More Lenders on NerdWallet | 620 | National | Compare More Lenders on NerdWallet | |
 Citibank: NMLS#412915 Compare More Lenders on NerdWallet | N/A | National | Compare More Lenders on NerdWallet | |
 Bank of America: NMLS#399802 Compare More Lenders on NerdWallet | 720 | National | Compare More Lenders on NerdWallet |
NBKC: Best for cash-out refinances
Min. credit score
620
National / regional
National
Learn more
on NBKC's website
- Why we like itGood 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.
ConsRead full review- HELOCs and construction-to-permanent loans are available only in the Kansas City metro area.
Veterans United: Best for VA loans
Min. credit score
620
Min. down payment
0%
Learn more
on Veterans United's website
- Why we like itVeterans United is the largest VA loan originator in the country by far, according to the latest federal data.Pros
- Specializes in working with military borrowers.
- Offers VA refinancing.
- Sample interest rates are posted online.
ConsRead full review- Interest rates are on the higher end compared to other VA lenders.
- Does not offer VA renovation loans.
Rate: Best for VA loans
- Why we like itGuaranteed rate stands out for offering a range of VA loans, including renovation loans, refinancing, energy-efficient mortgages and Native American Direct Loans.Pros
- Offers VA renovation loans.
- Offers VA refinancing.
- Offers VA energy-efficient mortgages and Native American Direct Loans.
ConsRead full review- VA interest rates and origination fees are average.
Fairway Independent Mortgage: Best for basic fixed-rate loans
Min. credit score
620
Min. down payment
3%
Learn more
on Fairway Independent Mortgage's website
- Why we like itFairway Independent Mortgage Corporation has many brick-and-mortar branches and a reputation for top-notch customer service, but it was recently penalized for redlining.Pros
- Loan options include government-backed mortgages and physician loans.
- Offers first-time home buyer grants to buyers in eligible locations.
- Highest scoring mortgage lender for customer satisfaction, according to J.D. Power.
ConsRead full review- Mortgage rates aren't posted online.
- Online customer service requires contact information and phone is for existing customers only.
- Home equity loans and HELOCs are not available.
- Has been penalized for redlining.
Guild Mortgage: Best for FHA loans
Min. credit score
540
Min. down payment
3.5%
Compare More Lenders
on NerdWallet
- Why we like itGuild offers flexibility for borrowers with nontraditional credit. Down payment assistance is generous, especially for low-income borrowers in underserved communities.Pros
- Offers several programs to make homeownership more accessible.
- Offers loans for manufactured homes.
- Renovation loan options are available.
ConsRead full review- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
Navy Federal: Best for VA loans
Min. down payment
0%
National / regional
National
Compare More Lenders
on NerdWallet
- Why we like itNavy Federal Credit Union stands out for having exceptionally low VA interest rates and fees.Pros
- Best-scoring VA lender for interest rates and fees.
- Offers VA refinancing.
- Specializes in working with military borrowers.
ConsRead full review- Does not offer VA renovation loans.
PrimeLending: Best for conventional loans
Min. credit score
620
Min. down payment
3%
Compare More Lenders
on NerdWallet
- Why we like itPrimeLending stands out for its wide variety of loan types, including non-QM loans and renovation and construction options, but lacks some technical features like online rates or a mobile app.Pros
- Offers closing cost assistance.
- Wide variety of loan types, including non-QM loans.
- Mortgages are available for manufactured homes, including 3D-printed houses.
ConsRead full review- Loans are not available in all states.
- Rates are not posted online.
- Does not have a mobile app.
Citibank: Best for jumbo loans
Min. down payment
N/A
National / regional
National
Compare More Lenders
on NerdWallet
- Why we like itCiti offers banking customers reductions on already competitive interest rates, and almost 50% of the mortgages it originated in 2023 were jumbo loans.Pros
- Offers closing cost credit and interest rate reductions for current Citibank customers.
- Low average mortgage rates relative to other lenders, according to the latest data.
- Originated the highest percentage of jumbo loans in 2023 of all NerdWallet-reviewed lenders.
ConsRead full review- Must contact the lender in order to get a personalized rate quote.
- Preapproval and mortgage applications require a phone call to complete.
Bank of America: Best for jumbo loans
Min. credit score
720
Min. down payment
5%
Compare More Lenders
on NerdWallet
- Why we like itGood for: low- to moderate-income buyers who qualify for down payment or closing cost assistance programs and homeowners interested in a home equity line of credit.Pros
- Offers down payment and closing cost assistance programs.
- Existing customers who meet certain qualifications can receive a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
ConsRead full review- Doesn't offer renovation or construction-to-permanent mortgage loans.
- Must enroll in online banking to access Home Loan Navigator.
- Fined $12 million for reporting inaccurate mortgage applicant info to the federal government.
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Last updated on January 21, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Hawaii Mortgage Lenders of 2021
- NBKC: Best for cash-out refinances
- Veterans United: Best for VA loans
- Rate: Best for VA loans
- Fairway Independent Mortgage: Best for basic fixed-rate loans
- Guild Mortgage: Best for FHA loans
- Navy Federal: Best for VA loans
- PrimeLending: Best for conventional loans
- Citibank: Best for jumbo loans
- Bank of America: Best for jumbo loans
