Cash-out refinancing lenders in Honolulu County
1,135 cash-out refinancing mortgages were made in Honolulu County, Hawaii, in 2025, by 165 lenders. The median rate their borrowers got was 6.875% on a median loan of $415,000. Of 1,934 decisions, 703 were denials — 36.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 202 | 7.913% | $220,000 | 29.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.999% | $510,000 | 34.9% |
| Loandepot.Com, LLC | 43 | 6.875% | $265,000 | 33.9% |
| American Savings Bank, FSB | 42 | 5.650% | $405,000 | 44.0% |
| Bank of Hawaii | 42 | 6.000% | $500,000 | 19.2% |
| Citadel Servicing Corporation | 41 | 7.250% | $425,000 | 6.2% |
| Navy Federal Credit Union | 36 | 8.350% | $220,000 | 37.3% |
| FREEDOM MORTGAGE CORPORATION | 34 | 6.250% | $705,000 | 36.2% |
| NEWREZ LLC | 32 | 6.995% | $345,000 | 62.4% |
| AmeriSave Mortgage Corporation | 30 | 8.813% | $105,000 | 79.9% |
| CMG MORTGAGE, INC. | 30 | 6.858% | $570,000 | 11.1% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | 29 | 6.250% | $395,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.875% | $455,000 | 30.0% |
| GUILD MORTGAGE COMPANY | 22 | 6.625% | $440,000 | 7.4% |
| HICKAM FEDERAL CREDIT UNION | 22 | 7.680% | $175,000 | 21.4% |
| THE LOAN STORE, INC. | 21 | 6.990% | $645,000 | 7.1% |
| First Hawaiian Bank | 18 | 6.063% | $605,000 | 9.1% |
| The Federal Savings Bank | 16 | 6.625% | $685,000 | 42.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.625% | $505,000 | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 15 | 7.499% | $735,000 | 16.7% |
| University of Hawaii Federal Credit Union | 15 | 5.875% | $825,000 | 0.0% |
| HAWAIIUSA FEDERAL CREDIT UNION | 13 | 5.875% | $535,000 | 11.1% |
| Commerce Home Mortgage, Inc. | 13 | 7.500% | $635,000 | 13.3% |
| Bank of Hope | 13 | 5.563% | $355,000 | 23.5% |
| AAA CAPITAL INVESTMENT, INC. | 12 | 6.938% | $850,000 | 15.8% |
| GUARANTEED RATE, INC. | 11 | 6.750% | $775,000 | 21.4% |
| CHAMPIONS FUNDING, LLC | 11 | 8.375% | $385,000 | 47.6% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.688% | $665,000 | 57.7% |
| CONVENTUS LLC | 10 | 8.558% | $410,000 | 9.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 75.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 38.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PEARL HAWAII FCU | 6 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ALOHA PACIFIC FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 79.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Central Pacific Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE FACTORS, LIMITED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 84.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HAWAII STATE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE HAWAII LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 75.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 81.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| I.L.W.U. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 40.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE BANK OF CALIFORNIA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PRIDE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mechanics Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 75.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| MASON MCDUFFIE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Deseret First Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 0 | Under 10 loans | Under 10 loans | Not published |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Royal Business Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Bank of Commerce | 0 | Under 10 loans | Under 10 loans | Not published |
| SUMMIT FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| NFM, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHEVRON Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 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.