{ "canonical_url": "https://lendb.ai/s/refinance/hawaii", "summary": "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.", "specialty": "refinance", "state": "HI", "total": 36, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 49.3, "loan_officer": { "nmls_id": 364032, "slug": "sharon-rasos-364032", "full_name": "Sharon Rasos", "licensed_names": [ { "name": "Sharon Rasos", "name_with_middle_initial": "Sharon V. Rasos", "first_name": "Sharon", "middle_initial": "V", "last_name": "Rasos", "states": [ "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/sharon-rasos-364032", "json_url": "https://lendb.ai/lo/sharon-rasos-364032.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Aiea", "state": "HI" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/d9f8009f8e16c4f2a750aebae6e4adf9596eb337.png", "licensed_states": [ "TX", "HI" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2023-06-14", "state": "TX" }, "licensed_since": { "year": 2023, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/srasos", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Aiea, HI", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 14, 2023 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sharon-rasos-364032", "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": "2026-10-20", "source_url": "https://www.barrettfinancial.com/srasos" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 47.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. Witter", "first_name": "Lindsay", "middle_initial": "R", "last_name": "Witter", "states": [ "AR", "CA", "CO", "CT", "FL", "IA", "LA", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "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", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Roseville", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CO", "CT", "TX", "LA", "AK", "AL", "AZ", "CA", "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", "UT", "WA", "WI", "AR", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "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": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "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": "refinance", "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" } ], "lender_offers": [ "bank-statement", "construction", "dscr", "foreign-national", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "reverse", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-01-26", "state": "OR" }, "licensed_since": { "year": 2012, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lindsay-witter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 26, 2012 (Oregon), per state regulator" ], "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": "2026-10-20", "source_url": "https://www.apmortgage.com/lindsay-witter" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 43.5, "loan_officer": { "nmls_id": 1025173, "slug": "benjamin-williams-1025173", "full_name": "Benjamin Williams", "licensed_names": [ { "name": "Benjamin Williams", "name_with_middle_initial": "Benjamin A. Williams", "first_name": "Benjamin", "middle_initial": "A", "last_name": "Williams", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "json_url": "https://lendb.ai/lo/benjamin-williams-1025173.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/benjamin-williams.jpg", "licensed_states": [ "FL", "CT", "DE", "TX", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NM", "OH", "OK", "OR", "PA", "SD", "TN", "UT", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MS", "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": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-06-04", "state": "OR" }, "licensed_since": { "year": 2013, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 4, 2013 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "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": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 43, "loan_officer": { "nmls_id": 920792, "slug": "joel-kurata-920792", "full_name": "Joel Kurata", "canonical_url": "https://lendb.ai/lo/joel-kurata-920792", "json_url": "https://lendb.ai/lo/joel-kurata-920792.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Gilbert", "state": "AZ" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/d1942f6547cdb9c36e4b97f64865651c0bd2d471.png", "licensed_states": [ "HI" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 12, "lender_profile_url": "https://www.barrettfinancial.com/joel-kurata", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 12 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/joel-kurata-920792", "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": "2026-10-20", "source_url": "https://www.barrettfinancial.com/joel-kurata" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 42.3, "loan_officer": { "nmls_id": 274181, "slug": "ronald-luttrull-274181", "full_name": "Ron Luttrull", "licensed_names": [ { "name": "Ronald Luttrull", "name_with_middle_initial": "Ronald C. 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verify at NMLS)", "Earliest state license record: May 19, 2010 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/ronald-luttrull-274181", "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": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ca/sandiego/ron-luttrull-672-exrl.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 35, "loan_officer": { "nmls_id": 229120, "slug": "sarah-pichardo-229120", "full_name": "Sarah Pichardo", "licensed_names": [ { "name": "Sarah Pichardo", "name_with_middle_initial": "Sarah C. 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