---
canonical_url: https://lendb.ai/s/vacation-home/hawaii
last_verified: 2026-10-09
---

# Vacation home loan officers in Hawaii

As of 2026-10-09, LenDb lists 3 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), Cody Teal (First Citizens Bank, Wilmington) and Iris Legaspi (First Citizens Bank, San Diego). 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. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Kailua-Kona, HI
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
2. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
3. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/hawaii.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._