Borrower situations · Hawaii
Loan officers for first-time buyers in Hawaii
As of 2026-10-09, LenDb lists 46 loan officers licensed in or based in Hawaii whose lender pages show First-time buyer work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Julie Johnson (CrossCountry Mortgage, Seattle) and Sheilla Lavadia (Loan Factory). 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
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 3
Sheilla LavadiaNMLS 1399453
Loan Factory · Mortgage broker · licensed in 10 states
- First-time buyer
- 1099 income
- Real estate investor
- Self-employed
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 4
Dane CostaNMLS 787138
Xpert Home Lending · Mortgage broker · Hawaii
- First-time buyer
- Real estate investor
- VA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Hawaii
- States 5 years of experience (lender page, 2026-10-09)
- 5
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- First-time buyer
- Vacation home
- FHA loan
- VA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Kailua-Kona, HI
- 6
Brandy MarshallNMLS 260588
Guild Mortgage · Minden, NV · licensed in 4 states
- First-time buyer
- Self-employed
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- 7
Seth AugustNMLS 1552226
Loan Factory · Mortgage broker · licensed in 6 states
- First-time buyer
- Real estate investor
- VA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 8
Emmett ClarkNMLS 233747
Loan Factory · Mortgage broker · licensed in 18 states
- First-time buyer
- HELOC
- VA loan
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 9
Christina MoonNMLS 1826279
Fairway Independent Mortgage Corporation · Las Vegas, NV · licensed in 2 states
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- 10
Steven HernandezNMLS 404540
CrossCountry Mortgage · Salem, OR · licensed in 3 states
- First-time buyer
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 27 years of experience (lender page, 2026-10-09)
- 11
Michelle MuqtadirNMLS 143470
CrossCountry Mortgage · Seattle, WA · licensed in 11 states
- First-time buyer
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Low credit score
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Frank CimpermanNMLS 194237
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- First-time buyer
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Julie TullyNMLS 215174
CrossCountry Mortgage · Redding, CA · licensed in 9 states
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Blayney WhiteNMLS 239189
CrossCountry Mortgage · Petaluma, CA · licensed in 12 states
- First-time buyer
- Real estate investor
- Non-QM loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 15
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- First-time buyer
- Self-employed
- Construction loan
- Jumbo loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 16
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- First-time buyer
- Non-QM loan
- VA loan
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 17
Khalisa DaviesNMLS 180315
CrossCountry Mortgage · Bothell, WA · licensed in 25 states
- First-time buyer
- HELOC
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 18
Mike ZahorchakNMLS 47492
CrossCountry Mortgage · Cleveland, OH · licensed in 51 states
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 19
Matthew ShanlianNMLS 457573
CrossCountry Mortgage · Wooster, OH · licensed in 34 states
- First-time buyer
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 20
Pete PappalardoNMLS 2804976
CrossCountry Mortgage · Scottsdale, AZ
- First-time buyer
- HELOC
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 12 years of experience (lender page, 2026-10-09)
- 21
Anthony SossNMLS 130763
CrossCountry Mortgage · Cleveland, OH · licensed in 33 states
- First-time buyer
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- 22
Betsy SantellanoNMLS 493899
CrossCountry Mortgage · Deerfield, IL · licensed in 32 states
- First-time buyer
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- 23
Peter CostakosNMLS 139540
CrossCountry Mortgage · Purchase, NY · licensed in 25 states
- First-time buyer
- Jumbo loan
- Non-QM loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 24
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- First-time buyer
- Condo
- Down payment assistance
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 25
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- First-time buyer
- Non-QM loan
- Real estate investor
- Self-employed
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a HI license is confirmed with the state regulator (check mark), HI is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.