{ "canonical_url": "https://lendb.ai/s/fha/hawaii", "summary": "As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Hawaii whose lender pages show FHA loan work. The top-ranked are Tanny Waters (C2 Financial Corporation), Jessica Takayesu (Guild Mortgage, Kailua) and Lindsay Witter (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "fha", "state": "HI", "total": 31, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 53.5, "loan_officer": { "nmls_id": 892213, "slug": "tanny-waters-892213", "full_name": "Tanny Waters", "canonical_url": "https://lendb.ai/lo/tanny-waters-892213", "json_url": "https://lendb.ai/lo/tanny-waters-892213.json", "lender": { "nmls_id": 135622, "name": "C2 Financial Corporation", "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622", "type": "broker" }, "branch": { "city": null, "state": "HI" }, "licensed_states": [ "FL", "CO", "CA", "HI", "TX", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "CO" }, "years_experience": 19, "lender_profile_url": "https://c2financial.com/find-a-loan-officer/twaters/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Hawaii", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Colorado records)", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tanny-waters-892213", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://c2financial.com/find-a-loan-officer/twaters/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 52.8, "loan_officer": { "nmls_id": 1089638, "slug": "jessica-takayesu-1089638", "full_name": "Jessica Takayesu", "canonical_url": "https://lendb.ai/lo/jessica-takayesu-1089638", "json_url": "https://lendb.ai/lo/jessica-takayesu-1089638.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Kailua", "state": "HI" }, "licensed_states": [ "HI", "NV", "WA" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/hi/kailua/jessica-takayesu-856-kujba.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Kailua, HI", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/jessica-takayesu-1089638", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/hi/kailua/jessica-takayesu-856-kujba.html" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 46, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "json_url": "https://lendb.ai/lo/lindsay-witter-700709.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "licensed_states": [ "CO", "AK", "AL", "AZ", "CA", "CT", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "ME", "MI", "MO", "MT", "NC", "ND", "NE", "NH", "NM", "NV", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "TX", "UT", "WA", "WI" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lindsay-witter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/lindsay-witter" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 44.8, "loan_officer": { "nmls_id": 335381, "slug": "kevin-rudrud-335381", "full_name": "Kevin Rudrud", "canonical_url": "https://lendb.ai/lo/kevin-rudrud-335381", "json_url": "https://lendb.ai/lo/kevin-rudrud-335381.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Kailua-Kona", "state": "HI" }, "licensed_states": [ "AZ", "CA", "HI", "NM", "NV", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-rudrud/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Kailua-Kona, HI", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kevin-rudrud-335381", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://nfmlending.com/loanoriginator/kevin-rudrud/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 43.1, "loan_officer": { "nmls_id": 233747, "slug": "emmett-clark-233747", "full_name": "Emmett Clark", "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "json_url": "https://lendb.ai/lo/emmett-clark-233747.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CO", "FL", "PA", "AL", "AZ", "CA", "HI", "IA", "ID", "KS", "KY", "MO", "OR", "TN", "TX", "UT", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 28, "loan_officer": { "nmls_id": 404540, "slug": "steven-hernandez-404540", "full_name": "Steven Hernandez", "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540", "json_url": "https://lendb.ai/lo/steven-hernandez-404540.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Salem", "state": "OR" }, "licensed_states": [ "HI", "OR", "WA" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 27, "lender_profile_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 27.8, "loan_officer": { "nmls_id": 114080, "slug": "arthur-buhrer-114080", "full_name": "Arthur Buhrer", "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080", "json_url": "https://lendb.ai/lo/arthur-buhrer-114080.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sequim", "state": "WA" }, "licensed_states": [ "FL", "AK", "AZ", "CA", "CO", "HI", "ID", "MO", "MT", "NC", "ND", "OR", "TX", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Colorado records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 27.8, "loan_officer": { "nmls_id": 128183, "slug": "adam-workman-128183", "full_name": "Adam Workman", "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "json_url": "https://lendb.ai/lo/adam-workman-128183.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "IL", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; 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