Refinancing lenders in Honolulu County
2,847 refinancing mortgages were made in Honolulu County, Hawaii, in 2025, by 165 lenders. The median rate their borrowers got was 5.750% on a median loan of $405,000. Of 4,088 decisions, 1,029 were denials — 25.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First Hawaiian Bank | 437 | 5.868% | $275,000 | 24.3% |
| Bank of Hawaii | 362 | 5.950% | $395,000 | 32.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 296 | 5.617% | $705,000 | 5.2% |
| HAWAIIUSA FEDERAL CREDIT UNION | 262 | 5.500% | $305,000 | 31.2% |
| HAWAII STATE FEDERAL CREDIT UNION | 177 | 5.800% | $255,000 | 32.2% |
| Central Pacific Bank | 170 | 6.000% | $305,000 | 39.2% |
| Rocket Mortgage, LLC | 119 | 5.740% | $705,000 | 26.8% |
| ALOHA PACIFIC FEDERAL CREDIT UNION | 110 | 5.750% | $205,000 | 18.8% |
| American Savings Bank, FSB | 101 | 5.650% | $335,000 | 34.0% |
| FREEDOM MORTGAGE CORPORATION | 78 | 5.750% | $740,000 | 9.8% |
| PENNYMAC LOAN SERVICES, LLC | 74 | 5.725% | $745,000 | 13.6% |
| NEWREZ LLC | 66 | 5.750% | $795,000 | 10.8% |
| FINANCE OF AMERICA REVERSE LLC | 48 | 8.990% | $605,000 | 3.9% |
| Mortgage Research Center, LLC | 38 | 5.750% | $475,000 | 47.3% |
| CMG MORTGAGE, INC. | 30 | 6.063% | $630,000 | 0.0% |
| Loandepot.Com, LLC | 30 | 5.490% | $830,000 | 14.3% |
| Ameris Bank | 24 | 5.625% | $840,000 | 3.9% |
| GUARANTEED RATE, INC. | 23 | 5.750% | $885,000 | 4.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.495% | $545,000 | 4.2% |
| THE LOAN STORE, INC. | 20 | 6.495% | $675,000 | 8.0% |
| GUILD MORTGAGE COMPANY | 17 | 6.125% | $455,000 | 13.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 5.750% | $665,000 | 2.9% |
| Navy Federal Credit Union | 14 | 5.688% | $655,000 | 39.1% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 6.500% | $505,000 | 14.3% |
| CONVENTUS LLC | 12 | 9.745% | $1,025,000 | 0.0% |
| HIGHTECHLENDING INC | 11 | 6.500% | $525,000 | 15.4% |
| NATIONSTAR MORTGAGE LLC | 11 | 5.875% | $775,000 | 31.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 5.990% | $565,000 | 0.0% |
| Bank of America, National Association | 10 | 5.563% | $1,375,000 | 33.3% |
| Citadel Servicing Corporation | 10 | 7.375% | $650,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CANOPY MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 31.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| University of Hawaii Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PEARL HAWAII FCU | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| PACIFIC LENDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE HAWAII LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HICKAM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE FACTORS, LIMITED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 70.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 18.2% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 37.5% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| HomeStreet Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ONY GLO, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | Not published |
| HILTON FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Liberty | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| United Nations Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.