The Lenders Community Survey gathers homeowners feedback and 75 lender recommendations for Hawaii homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 28, 2025
<< Human Powered Recommendations >>
Hawaii Top Lenders for Home Refinance Loans
Honolulu, East Honolulu, Pearl City, Hilo, Kaneohe, Waipahu, Mililani Town, Kahului, Online lenders.
Recommendations are gathered from 889 local Hawaii members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Hawaii Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Hawaii Homeowners.
Honolulu Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Honolulu’s area are First Hawaiian Bank, Hawaii State Federal Credit Union and Bank of Hawaii.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 89% |
| Bank of Hawaii | Bank | 4.0 | 4.0 | 4.5 | 87% |
| American Savings Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Central Pacific Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 82% |
| Aloha Pacific Federal Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 80% |
| SchoolsFirst Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 78% |
| Navy Federal Credit Union | Credit Union | 4.0 | 3.5 | 3.5 | 77% |
| Territorial Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 75% |
| Finance Factors | Community Bank | 3.0 | 3.5 | 3.5 | 73% |
| HomeStreet Bank | Bank | 3.5 | 3.0 | 3.5 | 72% |
| Bank of the Orient | Bank | 3.0 | 3.0 | 3.5 | 70% |
| Ohana Pacific Bank | Community Bank | 3.0 | 3.0 | 3.0 | 68% |
| Maui County Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.0 | 65% |
East Honolulu Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in East Honolulu’s area are First Hawaiian Bank, Hawaii State Federal Credit Union and Bank of Hawaii.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 91% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 89% |
| Bank of Hawaii | Bank | 4.0 | 4.0 | 4.5 | 87% |
| American Savings Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Central Pacific Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| HawaiiUSA Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 82% |
| Aloha Pacific Federal Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 80% |
| Territorial Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 76% |
| Finance Factors | Community Bank | 3.0 | 3.5 | 3.5 | 74% |
| Ohana Pacific Bank | Community Bank | 3.0 | 3.0 | 3.0 | 68% |
Pearl City Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Pearl City’s area are First Hawaiian Bank, American Savings Bank and Hawaii State Federal Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 90% |
| American Savings Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 87% |
| Bank of Hawaii | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Central Pacific Bank | Bank | 4.0 | 3.5 | 4.0 | 83% |
| HawaiiUSA Federal Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 81% |
| Aloha Pacific Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 79% |
Hilo Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hilo’s area are First Hawaiian Bank, Hawaii Community Federal Credit Union and Bank of Hawaii.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Hawaii Community Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Bank of Hawaii | Bank | 4.0 | 4.0 | 4.5 | 88% |
| American Savings Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Territorial Savings Bank | Community Bank | 4.0 | 3.5 | 4.0 | 84% |
| HFS Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| Finance Factors | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
Kāneʻohe Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Kāneʻohe’s area are First Hawaiian Bank, American Savings Bank and Hawaii State Federal Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 91% |
| American Savings Bank | Bank | 4.5 | 4.5 | 4.0 | 89% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 88% |
| Bank of Hawaii | Bank | 4.0 | 4.0 | 4.5 | 86% |
| Central Pacific Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Aloha Pacific Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 82% |
| HawaiiUSA Federal Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 80% |
Waipahu Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Waipahu’s area are First Hawaiian Bank, American Savings Bank and Bank of Hawaii.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| American Savings Bank | Bank | 4.5 | 4.5 | 4.0 | 90% |
| Bank of Hawaii | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Central Pacific Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| HawaiiUSA Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| Aloha Pacific Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 81% |
Mililani Town Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Mililani Town’s area are First Hawaiian Bank, Bank of Hawaii and American Savings Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| First Hawaiian Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.5 | 91% |
| American Savings Bank | Bank | 4.5 | 4.0 | 4.5 | 89% |
| Central Pacific Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| HawaiiUSA Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| Aloha Pacific Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 81% |
Kahului Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Kahului’s area are Bank of Hawaii, Maui County Federal Credit Union and First Hawaiian Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bank of Hawaii | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Maui County Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| First Hawaiian Bank | Bank | 4.5 | 4.0 | 4.5 | 90% |
| American Savings Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Central Pacific Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Hawaii State Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| Finance Factors | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
Best Hawaii Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hawaii’s area are Rocket Mortgage, Better.com and LoanDepot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $3M | 5.5%-7.5% | 15-30 years | 5.0 | 4.5 | 4.5 | 94% |
| Better.com | Up to $4M | 5.25%-7.25% | 10-30 years | 4.5 | 4.5 | 4.0 | 92% |
| LoanDepot | Up to $3M | 5.75%-7.75% | 15-30 years | 4.5 | 4.0 | 4.5 | 90% |
| Guaranteed Rate | Up to $2.5M | 5.5%-7.5% | 15-30 years | 4.5 | 4.0 | 4.0 | 88% |
| New American Funding | Up to $3M | 5.25%-7.25% | 15-30 years | 4.0 | 4.5 | 4.0 | 87% |
| PennyMac | Up to $3M | 5.75%-7.75% | 15-30 years | 4.0 | 4.0 | 4.0 | 85% |
| Freedom Mortgage | Up to $2.5M | 5.5%-7.5% | 15-30 years | 4.0 | 3.5 | 4.0 | 83% |
| Fairway Independent Mortgage | Up to $3M | 5.25%-7.25% | 15-30 years | 3.5 | 4.0 | 3.5 | 81% |
| Movement Mortgage | Up to $2.5M | 5.75%-7.75% | 15-30 years | 3.5 | 3.5 | 4.0 | 80% |
| Caliber Home Loans | Up to $3M | 5.5%-7.5% | 15-30 years | 3.5 | 3.5 | 3.5 | 78% |
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