BEST OF

10 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.

NerdWalletJanuary 21, 2021
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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.

Summary of Best Hawaii Mortgage Lenders of 2021

Quicken Loans

at Quicken Loans

4.5

NerdWallet rating 

at Quicken Loans

Min. Credit Score

620

Min. Down Payment

3%

Good for: borrowers looking for just about all of the services your neighborhood lender does — with online convenience.

Pros

  • Quicken Loans couples a fully online application with available mortgage advisors for those who want a human touch.
  • Instantly verifies employment and income for many working Americans.
  • Offers custom fixed-rate loan terms that are between eight and 30 years.
  • Provides a wide variety of loan types, including renovation loans and all government-backed mortgage products.

Cons

  • Quicken Loans doesn't offer home equity loans or HELOCs.
  • Quicken's lender fees can be stout and they don't offset those fees with particularly low mortgage rates.
Read full review

Guild Mortgage: NMLS#3274

3.5

NerdWallet rating 
Min. Credit Score

N/A

Min. Down Payment

3.5%

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

Pros

  • Offers multiple online conveniences, including a full mortgage application, e-signatures and digital loan process tracking.
  • Offers a wide variety of loan products, including home improvement and manufactured home loans.

Cons

  • Does not offer home equity loan products.
  • Average interest rates and fees are higher than other lenders.
Read full review

Navy Federal: NMLS#399807

4.5

NerdWallet rating 
National / Regional

National

Min. Down Payment

0%

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

Pros

  • Offers a wide range of affordable mortgage products designed for military members.
  • Has an online application for preapproval.
  • Offers low rates compared with most lenders.

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.
Read full review

Bank of America: NMLS#399802

5.0

NerdWallet rating 
Min. Credit Score

N/A

Min. Down Payment

3%

Good for: first-time home buyers looking for low-down-payment options and existing customers who may get a discount on fees.

Pros

  • Allows borrowers to apply entirely online.
  • Offers down payment and closing cost assistance programs.
  • May give existing customers a discount on mortgage lender origination fees.

Cons

  • Does not offer renovation loans.
Read full review

PrimeLending: NMLS#13649

3.5

NerdWallet rating 
Min. Credit Score

620

Min. Down Payment

3%

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 a proprietary closing-cost assistance program.

Cons

  • No online mortgage rates — you have to contact the lender for info.
  • Doesn't offer home equity products.
Read full review
Guaranteed Rate

at Guaranteed Rate

5.0

NerdWallet rating 

at Guaranteed Rate

Min. Credit Score

600

Min. Down Payment

0%

Good for: borrowers seeking conventional or government-backed loans, and a totally online experience.

Pros

  • Offers the ability to securely upload and digitally sign loan documents.
  • Displays detailed sample rates for many of its loan products.

Cons

  • Doesn't offer home equity loans or lines of credit.
Read full review
Fairway Independent Mortgage

at Fairway Independent Mortgage

4.0

NerdWallet rating 

at Fairway Independent Mortgage

Min. Credit Score

620

Min. Down Payment

3%

Good for: borrowers who want access to a wide variety of mortgages and the convenience of a comprehensive mobile application process.

Pros

  • Offers a robust suite of loan products, including a variety of renovation loans.
  • Has a digital application that can be completed in 10 minutes.
  • Works with some state housing finance agencies to offer mortgages with down payment and closing cost assistance.

Cons

  • Mortgage rates aren't posted online.
Read full review

Citibank: NMLS#412915

5.0

NerdWallet rating 
National / Regional

National

Min. Down Payment

10%

Good for: Borrowers wanting to compare mortgage rates online for a variety of loan options.

Pros

  • Offers a wide variety of loan options, including low-down-payment mortgages and jumbo mortgages.
  • Provides customizable mortgage rates on its website.
  • Offers low rates and fees compared with other lenders.

Cons

  • Charges a mortgage application fee.
  • Requires help from a mortgage loan officer to complete the loan application online.
Read full review
Veterans United

at Veterans United

4.5

NerdWallet rating 

at Veterans United

Min. Credit Score

650

Min. Down Payment

0%

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

Pros

  • Offers 24/7 customer service over the phone.
  • Has online application and pre-qualification.
  • Offers a free credit counseling service.
  • Employs advisors from each branch of the armed forces.

Cons

  • Doesn’t offer home equity loans or HELOCs.
  • Veterans United has physical branch offices in only 18 states.
  • Information on FHA, USDA and conventional loans is harder to find on their website.
  • Charges higher rates and fees than some other lenders.
Read full review
NBKC

at NBKC

5.0

NerdWallet rating 

at NBKC

Min. Credit Score

620

Min. Down Payment

3%

Good for: borrowers with solid credit who want to pay low fees and get an online experience with phone support. VA loans are an emphasis.

Pros

  • Offers low rates and fees when compared with other lenders.
  • Extends full online capabilities, from application to loan tracking.
  • Displays customized rates, with fee estimates, without requiring contact information.

Cons

  • Equity lines and construction loans are available only in the Kansas City metro area.
  • Doesn’t offer renovation loans.
Read full review

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.

To recap our selections...

NerdWallet's Best Hawaii Mortgage Lenders of 2021