LenDb.ai

Loan programs · Hawaii

FHA loan officers in Hawaii

As of 2026-10-09, LenDb lists 53 loan officers licensed in or based in Hawaii whose lender pages show FHA loan work. The top-ranked are Roy Montero (CrossCountry Mortgage, Honolulu), Andy Sabo (Loan Factory, Honolulu) and Trevor Satkowski (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Roy MonteroNMLS 351403

    CrossCountry Mortgage · Honolulu, HI · licensed in 11 states

    • FHA loan
    • Manufactured home
    • HELOC
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • 9 years licensed
  2. 2

    Andy SaboNMLS 2248266

    Loan Factory · Mortgage broker · Honolulu, HI · licensed in 2 states

    • FHA loan
    • DSCR loan
    • First-time buyer
    • Non-QM loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • 40 years experience (stated on lender page, 2026-10-09)
  3. 3

    Trevor SatkowskiNMLS 1614027

    Guild Mortgage · San Diego, CA · licensed in 14 states

    • FHA loan
    • Reverse mortgage
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Emmett ClarkNMLS 233747

    Loan Factory · Mortgage broker · licensed in 18 states

    • FHA loan
    • First-time buyer
    • VA loan
    • HELOC
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Iris LegaspiNMLS 690505

    First Citizens Bank · San Diego, CA · licensed in 35 states

    • FHA loan
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Lance DoiguchiNMLS 272696

    LeaderOne Financial · Honolulu, HI

    • FHA loan
    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  7. 7

    Kevin RudrudNMLS 335381

    NFM Lending · Kailua-Kona, HI · licensed in 7 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Vacation home
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  8. 8

    Hamo AlualuNMLS 941106

    Barrett Financial Group · Mortgage broker · Honolulu, HI

    • FHA loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  9. 9

    Jessica TakayesuNMLS 1089638

    Guild Mortgage · Kailua, HI · licensed in 3 states

    • FHA loan
    • Jumbo loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  10. 10

    Shawn DurantNMLS 221971

    American Pacific Mortgage · Roseville, CA · licensed in 45 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Cathy MeditiNMLS 326020

    American Pacific Mortgage · Kihei, HI

    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • No disciplinary actions on file at LenDb
  12. 12

    Evan SouzaNMLS 1675909

    Xpert Home Lending · Mortgage broker · Sacramento, CA · licensed in 2 states

    • FHA loan
    • Asset-based qualifying
    • Bank statement loan
    • Down payment assistance
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • FHA loan
    • Condo
    • Down payment assistance
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Tracy BolenNMLS 1734508

    American Pacific Mortgage · Roseville, CA · licensed in 51 states

    • FHA loan
    • Jumbo loan
    • New construction
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Tommy BarroNMLS 234371

    Guild Mortgage · Irvine, CA · licensed in 8 states

    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Ryan HadenNMLS 339607

    Guild Mortgage · Irvine, CA · licensed in 15 states

    • FHA loan
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Dane CostaNMLS 787138

    Xpert Home Lending · Mortgage broker · Hawaii

    • FHA loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • 11 years experience (stated on lender page, 2026-10-09)
  18. 18

    Aidan KellerNMLS 2028540

    Guild Mortgage · Clackamas, OR · licensed in 5 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Down payment assistance
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Manen PanNMLS 1006352

    First Citizens Bank · Pasadena, CA · licensed in 32 states

    • FHA loan
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  20. 20

    Elena De LuzNMLS 1180152

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 2 states

    • FHA loan
    • Down payment assistance
    • DSCR loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Min NicarNMLS 1569049

    Loan Factory · Mortgage broker · licensed in 6 states

    • FHA loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Teyona StewartNMLS 2215853

    First Citizens Bank · La Jolla, CA · licensed in 35 states

    • FHA loan
    • First-time buyer
    • Down payment assistance
    • HELOC
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  23. 23

    Alex RamirezNMLS 450556

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • FHA loan
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Steven HernandezNMLS 404540

    CrossCountry Mortgage · Salem, OR · licensed in 3 states

    • FHA loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Frank CimpermanNMLS 194237

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • FHA loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in HI or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=fha&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.