Borrower situations · Hawaii
Loan officers for homeowners who are refinancing in Hawaii
As of 2026-10-26, LenDb lists 36 loan officers licensed in or based in Hawaii whose lender pages show Refinance work. The top-ranked are Sharon Rasos (Barrett Financial Group, Aiea), Lindsay Witter (American Pacific Mortgage, Roseville) and Benjamin Williams (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
Sharon RasosNMLS 364032
Barrett Financial Group · Mortgage broker · Aiea, HI · licensed in 2 states
- Refinance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Aiea, HI
- Earliest state license record: June 14, 2023 (Texas), per state regulator
- 2
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 3
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 4
Joel KurataNMLS 920792
Barrett Financial Group · Mortgage broker · Gilbert, AZ
- Refinance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- States 12 years of experience (lender page, 2026-10-20)
- 5
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 6
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 7
Kayla BarneyNMLS 2371086
CrossCountry Mortgage · Honolulu, HI
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Honolulu, HI
- Earliest state license record: June 16, 2023 (California), per state regulator
- 8
Andrea WalkerNMLS 685889
CrossCountry Mortgage · Honolulu, HI · licensed in 4 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Honolulu, HI
- 9
Chet WisinskiNMLS 83495
CrossCountry Mortgage · Charlotte, NC · licensed in 15 states
- Refinance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: September 17, 2014 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 10
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states
- Refinance
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: December 19, 2018 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 11
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 34 states
- Refinance
- Jumbo loan
- Non-QM loan
- Real estate investor
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: July 14, 2007 (Colorado), per state regulator
- 12
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 22 states
- Refinance
- VA loan
- Non-QM loan
- FHA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 12, 2015 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 13
Chuck DindiaNMLS 43931
CrossCountry Mortgage · Cleveland, OH · licensed in 41 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 14
Maddox ReesNMLS 255511
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: March 27, 2012 (California), per state regulator
- 15
Austin LampsonNMLS 517060
CrossCountry Mortgage · Benicia, CA · licensed in 6 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 9, 2011 (California), per state regulator
- 16
Mark VillanoNMLS 1306487
CrossCountry Mortgage · Lakewood, WA · licensed in 29 states
- Refinance
- VA loan
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: June 20, 2018 (California), per state regulator
- States 12 years of experience (lender page, 2026-10-22)
- 17
Chrissy PullisNMLS 55237
CrossCountry Mortgage · Denville, NJ · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 25, 2013 (California), per state regulator
- 18
Tim PotempaNMLS 454708
CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 9, 2015 (California), per state regulator
- 19
Kelly HintzNMLS 450644
CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states
- Refinance
- Construction loan
- Real estate investor
- HELOC
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: August 26, 2016 (Oregon), per state regulator
- 20
Eric WallbergNMLS 25362
CrossCountry Mortgage · Boca Raton, FL · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: November 4, 2016 (California), per state regulator
- 21
Brian WeeksNMLS 1557610
CrossCountry Mortgage · Overland Park, KS · licensed in 46 states
- Refinance
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 7, 2016 (Colorado), per state regulator
- 22
Peter CostakosNMLS 139540
CrossCountry Mortgage · Purchase, NY · licensed in 25 states
- Refinance
- Jumbo loan
- Non-QM loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 2, 2017 (Florida), per state regulator
- 23
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Refinance
- Non-QM loan
- Real estate investor
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: October 22, 2018 (Texas), per state regulator
- 24
Bruce BrinkerhoffNMLS 639483
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- Refinance
- Construction loan
- FHA loan
- First-time buyer
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: August 15, 2019 (Oregon), per state regulator
- 25
Damon BlackwellNMLS 1812775
CrossCountry Mortgage · Henderson, NV · licensed in 5 states
- Refinance
- Down payment assistance
- Non-QM loan
- VA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: July 17, 2019 (Texas), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.