--- canonical_url: https://lendb.ai/s/fha/hawaii last_verified: 2026-10-09 --- # FHA loan officers in Hawaii As of 2026-10-09, LenDb lists 47 loan officers licensed in or based in Hawaii whose lender pages show FHA loan work. The top-ranked are Jessica Takayesu (Guild Mortgage, Kailua), Roy Montero (CrossCountry Mortgage, Honolulu) and Andy Sabo (Loan Factory, Honolulu). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jessica Takayesu](https://lendb.ai/lo/jessica-takayesu-1089638)** (NMLS 1089638), Guild Mortgage, Kailua, HI - 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 2. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - 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 - No disciplinary actions on file at LenDb 3. **[Andy Sabo](https://lendb.ai/lo/andy-sabo-2248266)** (NMLS 2248266), Loan Factory, Honolulu, HI - 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) - No disciplinary actions on file at LenDb 4. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - 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. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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. **[Lance Doiguchi](https://lendb.ai/lo/lance-doiguchi-272696)** (NMLS 272696), LeaderOne Financial, Honolulu, HI - 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. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI - 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. **[Hamo Alualu](https://lendb.ai/lo/hamo-alualu-941106)** (NMLS 941106), Barrett Financial Group, Honolulu, HI - 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. **[Shawn Durant](https://lendb.ai/lo/shawn-durant-221971)** (NMLS 221971), American Pacific Mortgage, Roseville, CA - 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 10. **[Cathy Mediti](https://lendb.ai/lo/cathy-mediti-326020)** (NMLS 326020), American Pacific Mortgage, Kihei, HI - 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 11. **[Evan Souza](https://lendb.ai/lo/evan-souza-1675909)** (NMLS 1675909), Xpert Home Lending, Sacramento, CA - 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 12. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - 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. **[Tracy Bolen](https://lendb.ai/lo/tracy-bolen-1734508)** (NMLS 1734508), American Pacific Mortgage, Roseville, CA - 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 14. **[Dane Costa](https://lendb.ai/lo/dane-costa-787138)** (NMLS 787138), Xpert Home Lending, HI - 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) - No disciplinary actions on file at LenDb 15. **[Aidan Keller](https://lendb.ai/lo/aidan-keller-2028540)** (NMLS 2028540), Guild Mortgage, Clackamas, OR - 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 16. **[Manen Pan](https://lendb.ai/lo/manen-pan-1006352)** (NMLS 1006352), First Citizens Bank, Pasadena, CA - 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 17. **[Elena De Luz](https://lendb.ai/lo/elena-de-luz-1180152)** (NMLS 1180152), Barrett Financial Group, Chandler, AZ - 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 18. **[Min Nicar](https://lendb.ai/lo/min-nicar-1569049)** (NMLS 1569049), Loan Factory - 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 19. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - 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. **[Alex Ramirez](https://lendb.ai/lo/alexis-ramirez-450556)** (NMLS 450556), Xpert Home Lending - 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 21. **[Steven Hernandez](https://lendb.ai/lo/steven-hernandez-404540)** (NMLS 404540), CrossCountry Mortgage, Salem, OR - 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 22. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH - 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 23. **[Scott Evans](https://lendb.ai/lo/scott-evans-256163)** (NMLS 256163), CrossCountry Mortgage, San Diego, CA - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in HI (listed on lender page, verified 2026-10-09) - 13 years licensed - No disciplinary actions on file at LenDb 24. **[Matthew Shanlian](https://lendb.ai/lo/matthew-shanlian-457573)** (NMLS 457573), CrossCountry Mortgage, Wooster, OH - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in HI (listed on lender page, verified 2026-10-09) - 13 years licensed - No disciplinary actions on file at LenDb 25. **[Betsy Santellano](https://lendb.ai/lo/elizabeth-santellano-493899)** (NMLS 493899), CrossCountry Mortgage, Deerfield, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in HI (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/hawaii. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._