Property types · Hawaii
Vacation home loan officers in Hawaii
As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Hawaii whose lender pages show Vacation home work. The top-ranked are Kevin Rudrud (NFM Lending, Kailua-Kona), Iris Legaspi (First Citizens Bank, San Diego) and Heidi Hernandez (Xpert Home Lending). 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 5
- 1
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- Vacation home
- First-time buyer
- FHA loan
- VA loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Office in Kailua-Kona, HI
- 2
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Vacation home
- Down payment assistance
- First-time buyer
- Jumbo loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- States 17 years of experience (lender page, 2026-10-09)
- 3
Heidi HernandezNMLS 2810962
Xpert Home Lending · Mortgage broker · licensed in 6 states
- Vacation home
- Real estate investor
- First-time buyer
- Construction loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Colorado records)
- 4
Cody TealNMLS 65382
First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states
- Vacation home
- Construction loan
- First-time buyer
- Jumbo loan
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- 5
Manen PanNMLS 1006352
First Citizens Bank · Bank · Pasadena, CA · licensed in 32 states
- Vacation home
- Real estate investor
- Construction loan
- Down payment assistance
- HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
Before you choose
Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.
- Will this qualify as a second home or an investment property?
- Can I rent it out part time and keep second home pricing?
- How do you treat short-term rental income?
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=vacation-home&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.